The 5 daily habits that make you lose money

It seems convenient and inexpensive until there are 4-5 services that you hardly ever use. Streaming platforms, cloud storage, fitness apps, forgotten gym memberships: automatic renewals of small amounts burn a lot of money every year without you realizing it. Solution: do a monthly check, disable automatic renewal, and keep only what you use every week.

Ordering dinner "for convenience" often costs 2-3 times the same meal cooked at home. Solution: prepare bases on the weekend (rice, sauces, legumes), set a limit on orders (e.g. 1 per week).

Television, decoder, console, and chargers left plugged in consume energy even when turned off: up to 5-10% of the bill. Lights left on unnecessarily and short dryer cycles add "invisible" costs. Solution: power strips with switches, timers on boilers and routers, LED lights everywhere, full load laundry cycles, and eco modes.

Withdrawing from ATMs of other banks, routine instant transfers, currency exchange, and micro-payments with fixed fees reduce your budget. Even small recurring round-ups add up. Solution: plan 1-2 withdrawals per month from your bank, use fee-free cards abroad, and prefer standard transfers whenever possible.

A coffee and a croissant may seem like nothing, but stopping at the bar every day adds up to the annual family budget. The same goes for buying water bottles outside. Solution: use a moka pot and thermos at home/office, limit the bar visits to "special" days, and bring a reusable water bottle: the gesture is small, but the savings are significant.