Pay attention to leakage, financial leakage

Financial leakage happens, and it's up to you to find it.

Look for pocket change that is lying around. Look for excess bank fees or insurance premiums. Interest charges. Fees for services you don't need or use (internet, cellphone).

Look for ways to decrease those fees (phone the company and see if things can be waived).

You will find that things add up, especially if you look over an entire year. It might not add up to much on a daily basis, but over the year can have significant consequences.