UNUSED SUBSCRIPTION SERVICES: Surely it has happened to you that you subscribe to a service to try it or because you think you need it and everyday life shows you that you don't use it long enough to justify paying the subscription.

Another thing that often happens is that you forget to cancel a service after the trial period, which ends up generating an unforeseen expense. Between subscription fees that you don't need, don't use or simply forgot about, you are sure to spend several hundred if not thousands of dolars a year.

EATING OUT TOO MANY TIMES: Think eating out for breakfast, lunch and dinner isn't that big of a deal? Do this exercise: record and add up all the money you spent eating out in the past month, or three or six months! Do the same with your morning coffee, afternoon chips and friday dessert.

WASTING FOOD: Food waste is the most common waste of money, only after eating out a lot. We literally throw money in the trash when we let things spoil in the fridge or expire in some corner of the cupboard.

LET CREDIT CARD INTEREST GROW: Credit cards are useful, but if you don't use them properly it can put a strain on your bank account. If debt has piled up, make it a point to pay off your existing balance.

Translated by: A.M