03 Entertainment Going out to the movies, concerts, or bars can be expensive. Try renting movies, having game nights at home, or going for walks instead. The days are getting lighter thankfully, so sometimes its nice to get out after work if you can! 04 Utilities If your appliances are more than a 6 years old, they’re probably not as energy-efficient as newer models. Energy-efficient appliances use less electricity and water, which means lower utility bills for you. It seems like a big expense but in the longer term it'll be more financially beneficial!