[pjc50]

Essential life habits: reduce, reuse. Do I need to buy a new thing? Do I have space for the new thing? (housing floor space costs a lot here) Am I really going to get good use out of it? Can I just use the old one or buy something good enough from a charity shop? Can I make do with the $2 Chinese electronics solution?

Beyond that, review your regular expenses. Anything daily or monthly. Is that subscription still good value? Mortgage interest rate and payment schedule optimal?

About once a year or two I'll pile my downloaded bank transactions into a spreadsheet and look at the biggest categories.

I'll also reccomend moneysavingexpert.com to anyone; UK-focused but great general advice. I'm not a big fan of coupons as they're mostly a way of getting me to buy things I wouldn't otherwise, which isn't actually a saving.