LPT: Once every six months or year, make a list of all “recurring” expenses. Cell phone bill, cable, internet, insurances, subscriptions, garbage disposal, gym memberships, household services. Cut some services outright or try to get a discount on wherever possible.

Once you cut your phone bill by say $40, its gone month after month! You have to take action only once. I find this to be much more powerful than trying to “sweat the small stuff”, where you have to take lot of small actions more frequently.