The $100 here, $50 there stuff doesn't seem like much, but over a year's time the pile up over time. Are you a paying (too much) for subscriptions like:

1. pharmaceuticals (get generic)
2. television (drop premium channels, cut cable, go over the air)
3. wine clubs, food clubs
4. magazines, audio books
5. clothes (sock/shoe of the month, etc.)
6. pet supplies
7. shopping clubs, delivery services

The moral of the story is:

• Cut out any recurring expense you have. Pay for use, don't subscribe for access.
• There is almost always an alternative pay-for-use way of getting services you really need. You don't really need much.
• Lots of stuff we buy is anesthetic to distract us from the fact that were aren't free

Turn off the automatic spending, turn-on the automatic savings and investment.