Beware of little expenses; a small leak will sink a great ship.

Small recurring costs do more damage than the occasional large one, because nobody examines them. A large purchase gets deliberated; the subscriptions, the daily conveniences, the habitual small spending all pass unnoticed and add up to considerably more over a year. The same is true of time and attention, which leak in exactly the same pattern. What is too small to bother with is precisely what goes unwatched.

List everything that leaves your account automatically and everything that takes twenty minutes of your day without being chosen. Cancel two of them this week.