My top 5:

1. Keep car tires at correct pressure – check monthly: Proper tire pressure improves fuel efficiency, saving money on gas and reducing tire wear.Correctly inflated tires can improve fuel economy by up to 3.3%, saving about $0.10 per gallon. Proper maintenance extends tire life by 20%, reducing replacement costs.

2. Review insurances and subscriptions every 6 months: Regularly check for premium increases and cancel unused subscriptions to avoid unnecessary expenses.Consumers save 15-20% on insurance by comparing rates; canceling unused subscriptions can save 50−50−100 monthly.

3. Track daily expenses for 5 minutes: Spend a few minutes each day logging purchases to understand spending habits and identify savings opportunities.Studies show that people who track expenses are 33% more likely to stick to a budget and reduce unnecessary spending by up to 20%.

4. Automate savings with small monthly transfers: Set up automatic transfers to savings or investment accounts to build wealth effortlessly.Automating savings increases the likelihood of saving consistently by 30-40%, leading to significantly higher savings over time.

5. Review and negotiate bills quarterly: Regularly review utility, phone, and service bills and negotiate or switch providers to lower costs.Negotiating bills can save an average of 300−300−500 annually per household. Switching providers often yields better rates and discounts.