The Hidden Fees Draining Your Bank Account Every Month
Most people think they need to earn more to feel ahead financially. In reality, their money is disappearing quietly through small, repeated expenses they barely notice.
Where people from age 20 to 40 actually spend money
For people in their twenties and thirties, the biggest leaks are usually the same: subscriptions they rarely use, eating out or ordering food out of convenience, daily coffees, and small "doesn't matter" purchases. None of these feel expensive. But together, they often add up to several hundred dollars every month. Many people spend fifty to eighty dollars on subscriptions alone, and a few daily food purchases can easily push monthly spending past three hundred dollars without realizing it.
Personal Experience
I noticed this clearly when comparing myself to friends. Some of them were making around 400$ more per month than I was. On paper, they should have been doing better. But at the end of each month, I consistently had more money than they did. The reason was simple: they were not tracking their spending, and I was.
They had multiple subscriptions, ate out almost every day, and relied heavily on convenience. When we added it up, their expenses were more than 500$ higher per month. I cooked my own food, had zero subscriptions, and kept gas, food, and parking around 15$ per week. We live in the same city with similar lifestyle, but very different outcome.
How You Can Do the Same
If you want to earn more money, a good place to start is controlling what already leaves your account. Break expenses down one by one and push each to its reasonable minimum. Lower food spending from 200$ to 100$. Cut subscriptions from 60$ to 10$. That is already 150$ saved.
For many people, doing this across a few categories easily frees up to 200-400$ per month.
Ready to start tracking where your money actually goes? Write It Down is the simple Google Sheets tracker that helps you see every expense and save hundreds every month.