10 Small Expenses Killing Your Budget

What's Hot


2 Types of Black Marks Might Vanish From Your Credit File SoonBorrow

6 Ways the Obamacare Overhaul Might Impact Your WalletInsurance

7 Dumb and Costly Moves Homebuyers MakeBorrow

This Free Software Brings Old Laptops Back to LifeMore

Obamacare Replacement Plan Gets ‘F’ Rating from Consumer ReportsFamily

Beware These 12 Common Money MistakesCredit & Debt

21 Restaurants Offering Free Food Right NowSaving Money

17 Ways to Have More Fun for Less MoneySave

House Hunters: Beware of These 6 Mortgage MistakesBorrow

30 Household Uses for Baby OilSave

25 Ways to Spend Less on FoodMore

Nearly Half of Heart-Related Deaths Linked to These 10 Foods and IngredientsFamily

5 Surprising Benefits of Exercising Outdoors in WinterFamily

10 Ways to Save When You’re Making Minimum WageSave

Boost Your Credit Score Fast With These 7 MovesCredit & Debt

7 Painless Ways to Pay Off Your Mortgage Years EarlierBorrow

The Most Sinful City in the U.S. Is … (Hint: It’s Not Vegas)Family

The True Cost of Bad CreditCredit & Debt

10 Companies With the Best 401(k) PlansGrow

This Scam Now Tops ID Theft as the No. 2 Consumer ComplaintFamily

6 Stores With Awesome Reward ProgramsFamily

6 Ways to Save More at Lowe’s and The Home DepotSave

6 Healthful Treats for Your DogFamily

New Study Ranks the Best States in the U.S.Family

Thousands of Millionaires Moving to 1 Country — and Leaving AnotherGrow

Strapped for College Costs? How to Get the Most From FAFSABorrow

6 Overlooked Ways to Save at Chick-fil-AFamily

Ask Stacy: What’s the Fastest Way to Pay Off My Mortgage?Borrow

Where to Sell Your Stuff for Top DollarAround The House

8 Ways to Get a Good Price on a Shiny New AutoCars

Ask Stacy: How Do I Start Over?Credit & Debt

Secret Cell Plans: Savings Verizon, AT&T, T-Mobile and Sprint Don’t Want You to Know AboutFamily

30 Awesome Things to Do in RetirementCollege

14 Super Smart Ways to Save on TravelSave

The Rich Prefer Modest Cars — Should You Join Them?Cars

You’ll Soon Pay More to Shop at CostcoSave

10 Ways to Save When Your Teen Starts DrivingFamily

Another day, another failed attempt to budget. Here's how to fight the little expenses undermining your spending plan.

Another day, another dollar — and for millions of us, another failed budget.

Feeling puzzled because your budget doesn’t ever seem to work? Here are some small expenses that might be the culprit.

1. Food

In the average U.S. household, food is among the biggest expenditures. Of course, we all have to eat. But we also waste money on meals.

Spending $10 at lunch each day adds up to a whopping $50 per week, or $200 per month. It may not seem like much when you’re swiping the magic plastic, but this expense quickly adds up.

2. Snacks and other daily treats

We all have indulgences. Perhaps you prefer a cup of joe each morning from Starbucks or a fresh-baked bagel from Panera.

You don’t have to abandon these tasty items, but indulging in moderation for your budget’s sake is worth a shot.

3. Lapsed promotional offers

How many times have you signed up for a free subscription or premium channel, only to notice charges on your statement because you forgot to cancel before the promotional period ended?

Steer clear of promotional offers unless you have a reminder in your smartphone or planner to cancel services before charges are applied to your account.

4. Gasoline

Even though gas is much cheaper than it was a few years ago, it is still a major expense for many Americans.

Reduce your monthly gas costs by combining errands, carpooling, taking public transportation or using some hypermiling tricks.

5. Sales

You’ve waited several months for a particular item to go on sale, and it’s finally 50 percent off. But one problem remains: You have to put it on your credit card.

If you give in to temptation, it’s only a matter of time before your spending plan lets you know. Instead, set aside funds now for the next time the item goes on sale.

6. Redbox

If you frequently visit Redbox, leave the storage container in a visible place so you won’t forget to return it the next day and incur fees.

7. Pampering

Every now and again, you’ll need to visit the salon or indulge in a day at the spa. There’s nothing wrong with unwinding on your downtime, but you should engage in pricey activities only if your budget allows it.

If not, see our comprehensive list of ways to trim the cost of haircuts.

8. Banking fees

Over the past few years, numerous bank fees have materialized out of thin air — for account maintenance and paper statements, just to name two. Fees for overdrafts and ATM use also have increased.

Until you can find a more cost-efficient alternative to the big-boy banks, such as a credit union, take a look at our list of ways to dodge banking fees.

9. Cellphone use

Unless you have an all-inclusive, unlimited plan, caps apply to minutes and data usage, and you’ll pay extra if you go over. Plus there are charges you might not be aware of until they appear on your bill.

If your cellphone bill fluctuates each month, take a moment to give the provider a call and inquire about more cost-effective options that may be available to you.

To learn more about other cellphone options, check out “How to Get Free Cellphone Service.”

10. All the random ‘extras’

Life happens and so do expenses, so it’s best to be safe and have a solid emergency fund. You can also hedge against the risk of running out of funds each month by incorporating some extra money into your spending plan.

Even the most frugal and financially savvy people are faced with unexpected expenses, so you’re definitely not alone.

Which budget busters have you struggled with? Sound off in our Forums. It’s the place where you can speak your mind, explore topics in-depth, and post questions and get answers.

Stacy Johnson

It's not the usual blah, blah, blah

I know... every site you visit wants you to subscribe to their newsletter. But our news and advice is actually worth reading! For 25 years, I've been making people richer without making their eyes glaze over. You'll be glad you did. I guarantee it!

💰🗣📰

Read Next: The 10 Best Ways to Blow Your Money

Check Out Our Hottest Deals!

We're always adding new deals and coupons that'll save you big bucks. See the deals to the right and hundreds more in our Deals section.

Click here to explore 1,978 more deals!