For those living in a larger city, certain habits can make your morning commute more expensive than it needs to be. Consider the money you spend on takeout coffee and breakfast. Also consider how much you pay for your vehicle — not just the initial cost of buying the car, but also the insurance, gasoline and parking fees. When you cut out some of these unnecessary expenses, you may be surprised to see how much less your daily commute costs.

Make Your Own Coffee
It is a well-known fact that making your own coffee versus buying it at a cafe can save you money. But are you actually following this practice? As an experiment, keep all your coffee-purchase receipts for one week and see how much you spend. Then consider how much you would save by investing in a travel coffee cup and making your brew at home.