10 Small but Persistent Expenses You Can Get Rid of Today (You Won’t Even Miss Them)

When you have wealth, it's easy to overlook small expenses, but even minor spending habits can add up over time.

Instead of making big financial changes, consider refining your everyday spending to better align with your goals. Prepare yourself financially by cutting out unnecessary expenses to keep your wealth growing and free up money for things that truly matter to you, like new investments, meaningful experiences, or philanthropy.

Here are a few spending habits to consider dropping. You won't miss them, and you'll keep more for what counts.

Does your bank charge you a monthly fee to keep your account open? Does it automatically charge you overdraft fees, even if you pay back the overdraft amount within a day or two? Are you penalized for withdrawing too much or failing to maintain a high minimum balance?

If you answered yes to any of these questions, it's potentially time to find a new bank.

Plenty of modern banking options let you open an account for free. Others eliminate overdraft fees and offer reimbursements for out-of-network ATM withdrawals.

It's hard to turn down the sheer convenience of having food delivered straight to your door, but you might be paying more for that convenience than you realize.

Depending on which service you use, you could be charged a service fee, delivery fee, and even a small-order fee when you order a meal.

You should check the final amount before clicking "order." You may find it's more worth it to pick up the food yourself.

If you've signed up for every streaming service out there, you could be paying over $100 monthly for unlimited entertainment.

But if you aren't actually watching any of the shows you're paying for, you're throwing cash down the drain.

Since you can always pause a subscription and pick it back up again when the next season of your favorite show airs, there's no reason to continue paying for more than you need.

If your grocery budget is the biggest drain on your wallet, you might want to take a good hard look at what you spend the most money on. 

Junk food, while tasty, is expensive without adding any value to your diet. Its empty calories don't last long, leaving you hungry and jittery.

You can save money on groceries by sticking with whole grains, fruits, and vegetables that cost less and keep you full for longer.

Before you order something online, make sure you check the store's return policy. Some stores require you to send items back via FedEx or UPS on your own dime.

Others, including Amazon and its sellers, can charge a restocking fee that keeps you from getting a full refund.

If you find out an online store doesn't accept returns, it's a good rule of thumb to skip shopping there. The risk to your wallet isn't worth it.

Speaking generally, the only difference between name-brand products and their generic copies is price, not quality. 

Name brands can get away with charging you more than generics because you recognize the name, and that might be the only reason for the higher price.

If you're committed to buying a name-brand product, do what you can to find great sales prices on last season's items.

Unfortunately, even with insurance, it's often up to you to figure out where your prescription will cost the least. For instance, Walgreens, CVS, and Costco might all charge different amounts for the same generic medication.

To make sure you're getting the best deal on crucial medications, check out programs like GoodRx, a free app that compares medication costs and finds coupons to save you money.

And, if possible, opt for the generic version of medication over the name brand. Doing so could get you the same basic medication for as much as 70% less.

If you haven't set up autopay for most of your bills, you run the risk of forgetting to pay in time and racking up late fees. 

You can avoid the problem altogether by simply setting up a recurring payment, either through the service you're paying for or through your bank.

Credit cards can get you into a tough spot if you're making charges you can't pay off each month.

With an outstanding balance, you're locked into paying a certain amount of interest on top of the cost of the original purchase.

The longer you go without paying your card off, the more interest you accrue, and the faster your credit card debt balloons. Do what you can to prioritize paying off your credit card balance each month.

Gyms are expensive to join and can be difficult to leave. Some gyms charge an activation fee on top of your regular monthly fee when you join, then an annual fee or locker-rental fee on top of that.

Others lock you into a contract, and many charge you a termination fee when you leave the gym, even if you weren't there on a contractual basis.

If you're committed to finding a gym, choose one that comes without contracts. You can also look into cheaper options, like your local YMCA or city rec center.

Eliminating useless expenses means you can finally save up for big purchases you actually want to make, like a dream travel destination or a new car or home. 

Either way, you're making a solid investment in your future as soon as you put these 10 tips into practice. You can start to break the vicious cycle and actually get ahead financially.