Money scares me. Actually, it’s the lack of money that scares me. And the older I get, the more frightened I become. I call it The Bag Lady Syndrome….I see myself wrinkled, hunched over, dressed in castoff clothes, scrounging in the garbage for bottles and cans to redeem for cash to buy a can of cat food for dinner.

Whether you’ve allowed ‘lifestyle creep’, or you’re just paying for subscriptions you forgot you had, there are many ways you could be wasting money without realizing it. You’ve worked hard to earn your income. Small changes in your lifestyle can make big changes in your wallet.