VICES
This can be a difficult one. A recent survey found more than half of Americans spend a lot of their money on “guilty pleasures” such as gambling, alcohol, tobacco, or fast food. Cutting down on one’s vices — whether that means skipping the bar or just grilling a burger at home instead of ordering from McDonald’s — is a surprisingly effective and healthy way to cut monthly expenditures. Plus, you may not even need them as much once relieved from the stresses of a 40-hour workweek.