hacks The Top Expenses You Don't Need  

Elise Hennigan
Originally by
16.9k votes 1.1k voters 46.5k 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
517 150
Lottery Tickets is listed (or ranked) 1 on the list The Top Expenses You Don't Need
Lottery Tickets Give it up.

2
527 156
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
494 202
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
419 159
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
437 165
Manicures is listed (or ranked) 5 on the list The Top Expenses You Don't Need
Manicures Trim your own cuticles for awhile.

6
396 216
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
343 249
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
371 219
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
387 205
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
338 185
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
363 215
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
375 213
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.

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

13
337 144
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
329 184
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
318 251
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
337 230
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
236 255
Gifts is listed (or ranked) 17 on the list The Top Expenses You Don't Need
Gifts Homemade gifts have more meaning anyway, right?

28 Creepy Photos Inspired by Children's Nightmares

18
341 184
Concerts is listed (or ranked) 18 on the list The Top Expenses You Don't Need
Concerts Have a home listening party instead

19
247 290
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
269 259
Travel is listed (or ranked) 20 on the list The Top Expenses You Don't Need
Travel Stay put for awhile.

21
227 294
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
305 191
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 We Should Do, But Don't

23
193 258
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
157 165
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
200 253
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
161 283
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
147 270
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
173 382
Tipping is listed (or ranked) 28 on the list The Top Expenses You Don't Need
Tipping Take your misery out on others.

29
136 358
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
159 310
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
144 313
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.