hacks The Top Expenses You Don't Need  

Elise Hennigan
Originally by
16.8k votes 1.1k voters 46.3k views 31 items

List of expenses you dont need and are pretty easy things to cut out if  you are on a budget. Skip paying for these unnecessary, everyday costs if you are trying to save money because you are saving up for something, are unemployed or underemployed, in between jobs or have recently been laid off. The little things add up - a meal out here, a movie night there and all of a sudden you are scrambling to pay rent at the end of the month.

If budgeting were easy, then everyone would be better at it. But, generally, people suck at saving their money. How to stretch a paycheck when money is tight? You have to cut out the little things that add up. Since people value life's luxuries differently, there is not one answer for the best way to save money on a budget. Movie-lovers may shudder at the thought of giving up the experience of seeing a new film in theaters but have no problem reducing the meals they eat out or taking the bus to work occasionally. Some people wouldn't dream about giving up their morning Starbucks, but would gladly cancel their cable TV to save some cash.

This list is voteable and reflects the values and opinions of the entire community who has ranked it. Vote on the items that you think you could most easily give up and add additional items that you have either had to cut back on or would never dream about giving up.
list ordered by

1
516 148
Lottery Tickets is listed (or ranked) 1 on the list The Top Expenses You Don't Need
Lottery Tickets Give it up.

2
524 155
ATM usage fees is listed (or ranked) 2 on the list The Top Expenses You Don't Need
ATM usage fees Vow to only visit your own bank's ATMs.

3
492 200
Going Out for Coffee is listed (or ranked) 3 on the list The Top Expenses You Don't Need
Going Out for Coffee That mocha-frappe-latte has got to go!

4
415 159
Smoking is listed (or ranked) 4 on the list The Top Expenses You Don't Need
d814 added Smoking You promised yourself you'd quit years ago anyway.

5
434 165
Manicures is listed (or ranked) 5 on the list The Top Expenses You Don't Need
Manicures Trim your own cuticles for awhile.

6
396 213
Eating Out is listed (or ranked) 6 on the list The Top Expenses You Don't Need
Eating Out Time to start brown-bagging it.

7
340 249
Gym Membership is listed (or ranked) 7 on the list The Top Expenses You Don't Need
Gym Membership Pushups and running outside are free.

8
368 219
Luxury Grocery Items is listed (or ranked) 8 on the list The Top Expenses You Don't Need
Luxury Grocery Items No more prosciutto and brie sandwiches.

9
385 204
Brand Name Prescription Drugs is listed (or ranked) 9 on the list The Top Expenses You Don't Need
Brand Name Prescription Drugs Go generic.

10
336 184
Personal Web Domain is listed (or ranked) 10 on the list The Top Expenses You Don't Need
Personal Web Domain Go back to a generic, hosted website.

11
360 215
Going Out to Movies is listed (or ranked) 11 on the list The Top Expenses You Don't Need
Going Out to Movies You've probably already cancelled HBO, so try to catch a flick on basic cable.

12
372 213
Cable TV is listed (or ranked) 12 on the list The Top Expenses You Don't Need
Cable TV You always have the Internet to fall back on for entertainment...unless you've cancelled that too.

Ways to Make Sure You Die Happy

13
334 143
Sports Events is listed (or ranked) 13 on the list The Top Expenses You Don't Need
EdwardPaisley added Sports Events Why should your lack of money add to the undeserved people's opulence for things we can all do without?
 

14
326 183
New Clothes is listed (or ranked) 14 on the list The Top Expenses You Don't Need
New Clothes Be out of fashion for a season.

15
316 250
Amazon Prime is listed (or ranked) 15 on the list The Top Expenses You Don't Need
Amazon Prime You probably shouldn't be shopping anyway.

16
336 228
Alcohol is listed (or ranked) 16 on the list The Top Expenses You Don't Need
Alcohol This is arguably when you need booze the most, but it gets expensive.

17
234 254
Gifts is listed (or ranked) 17 on the list The Top Expenses You Don't Need
Gifts Homemade gifts have more meaning anyway, right?

How to Get a Girl to Like You

18
339 182
Concerts is listed (or ranked) 18 on the list The Top Expenses You Don't Need
Concerts Have a home listening party instead

19
246 287
Netflix is listed (or ranked) 19 on the list The Top Expenses You Don't Need
Netflix Spend that time you would be watching movies looking for a new job instead.

20
268 256
Travel is listed (or ranked) 20 on the list The Top Expenses You Don't Need
Travel Stay put for awhile.

21
227 291
Cell Phone Data Plan is listed (or ranked) 21 on the list The Top Expenses You Don't Need
Cell Phone Data Plan Ditch the Internet capabilities on your phone.

22
304 190
Professional Hair Cuts and Sty... is listed (or ranked) 22 on the list The Top Expenses You Don't Need
Professional Hair Cuts and Styling Almost everyone has a friend who can cut your hair (sort of) well for free.

Things Your Mother Told You... That She Was Right About

23
192 256
Marriage is listed (or ranked) 23 on the list The Top Expenses You Don't Need
jets2008 added Marriage Not something to rush into if you're struggling to pay your bills. 

24
156 163
Romantic Gestures is listed (or ranked) 24 on the list The Top Expenses You Don't Need
StevenFursch added Romantic Gestures You can be more creative than spending money here, can't you?

25
199 251
Dating is listed (or ranked) 25 on the list The Top Expenses You Don't Need
Dating Impressing the opposite sex can be pricey.

26
161 280
Living Solo is listed (or ranked) 26 on the list The Top Expenses You Don't Need
Living Solo It may be time to get a roommate.

27
146 268
Cell Phones is listed (or ranked) 27 on the list The Top Expenses You Don't Need
EdwardPaisley added Cell Phones If you have no money or no job & can't pay your bills, the last thing you want is a phone call.
 

28
171 381
Tipping is listed (or ranked) 28 on the list The Top Expenses You Don't Need
Tipping Take your misery out on others.

29
136 355
Car Maintenance is listed (or ranked) 29 on the list The Top Expenses You Don't Need
Car Maintenance Those squeaky brakes can last a little longer.

30
159 307
Gasoline is listed (or ranked) 30 on the list The Top Expenses You Don't Need
Gasoline Time to start walking, biking or bussing.

31
144 310
Your Car is listed (or ranked) 31 on the list The Top Expenses You Don't Need
Your Car Commit to public transportation for awhile.