- Switch to online banking which is free. For Canada you can try tangerine or PC financial
- Switch to cheaper internet
- Switch to cheaper cell phone providers
- Cancel gym membership. Start jogging or signup for latin dance classes or soccer games.
- Cook your food.
- Stop eating out with your friends. Invite them to your place instead.
- Avoid dept. Buy only with your money.
- Buy bike if you cant buy car
- Rent if you cant buy condo.
- Look for 5% rule on rent/buy house.