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As everything has gotten so automatic with the rise of bill paying online, we tend to forget where our money is going. Along with that, we all belong to more than one streaming service that we probably don’t even use! These are among the many things you are throwing away your money on.

I recently checked my PayPal auto payments and found some old ones that were canceled were still paying out of my bank account. This prompted me to contact who the payments were going to and ask for a refund due to the cancellation that was done 2 years ago but there was an error on the companies and PayPal’s end. This had me thinking to check all of my online bill paying services that I have set up to make sure I know where my money is going. I bet there are things you are throwing away your money on as well. We need to tie up any other loose ends because in this case, loose ends are lost money.

In my investigation into my own finances and monthly online auto payments, I found there are some things we are all throwing away our money on.

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10 Things You Are Throwing Away Your Money On

Here are the top 10 things you are throwing away your money on!

Stop throwing away your money and feel better about your financial future.

Unnecessary streaming services

I bet you use Netflix religiously and so do I! Not only because it is the cheapest streaming service out there but also because I love the Netflix original series and movies. I also have Hulu for TV shows and of course my Amazon Prime. But I recently found I was still paying for Shudder (an online horror genre streaming service). When I first signed up for Shudder, I was trying to find hidden horror gems that I couldn’t find on the other streaming providers. However, I found Shudder had a lot of the same stuff Netflix had and completely forgot about canceling the subscription.

Think of any subscriptions you have to streaming services that you don’t even use and cancel them immediately.

Unnecessary subscriptions

Last year I had a mini obsession with subscription boxes. Among the many were FabFitFun and the Moon Box. The Moon Box ended coming every month and for about $50 a pop, it just wasn’t worth it for me. However, I set up my FabFitFun box to come every season (Fall, Winter, Spring, and Summer) and for a number of products you get in each box, it is totally worth it. Sign up and get $10 off your FabFitFun box subscription with this exclusive link I got for my readers. It ends up being a whole lot cheaper than buying my own beauty products here and there since I have all these great products from the FabFitFun box and no reason to go out and get random ones here and there from Sephora or Ulta!

PayPal linked recurring payments

As mentioned above, I recently went through my PayPal linked recurring payments and cleaned them up. This resulted in a nice refund from one company because the fact they were still taking payments after my cancellation 2 years ago was a huge error on their part. Go through your PayPal linked recurring payments by going to the PayPal website, and checking your ‘Activity’.

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Going out to eat

Going out to eat is a big money guzzler. What you can make at home for about $10, usually costs twice as much or even three times as much when you are out eating at a restaurant. They also add a ton more calories at restaurants for flavor so you might lose some weight AND save money by eating at home instead.

Going out to drink

You will be amazed how much money you save by just NOT drinking alcohol. It also will do a number of benefits to your health when you quit drinking. It adds up quickly at around $5 per drink, on average, when you are out drinking. If you quit drinking just 1 drink a day, you can save an extra $35 a week!

Paying full price on clothing in the actual store

Before you go to Macy’s tonight to look for a cute cardigan in whatever color you think you don’t have, go on Amazon instead. I found the cutest cardigan on Amazon recently for only $1.10 and the quality is actually good! They also have literally every color imaginable. I also love the packs of tank tops you can get from Amazon for super cheap and in every color!

Not paying bills on time

Not paying bills on time come with some nasty fees. When I am late on my student loans they basically double my payment which means I am throwing away money on absolutely nothing! It could have been prevented by paying on time, which is why I have set up automatic payments for my student loans along with an alert that tells me when that payment happens so I know where my money is going and when it goes. I have done the same for my car insurance, electric bill, and other important payments. These are things I cannot afford to be late on.

Unnecessary outings

Seeing that brand new movie at the dine-in theater with the reclining chairs or going out to get my nails done for no reason at all are among the many unnecessary outings that we throw our money away on. We get bored, so we go out and throw money away. There are tons of things you can do for free and still have fun. Check out your local free zoo, go for a hike or watch a movie at home on Netflix.

Not ordering online

Ordering on Amazon makes everything easier and cheaper for me. Also, I have found a couple of meal delivery services to be an amazing saving opportunity vs. your weekly grocery shopping. Get in on the action and start saving on your groceries with ordering your meals from services such as Love with Food or HelloFresh!
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Use cash back applications when you order online for even a bigger payout of savings! Sign up for BeFrugal, get a free $10 today with this link and start getting cash back on all your online purchases! 

Not using a rewards card

Using rewards cards gets you some great savings! Now that everyone is offering them, no matter where you shop, why not get in on the action because paying full price is just throwing away your money these days.

With the Amazon Prime Rewards Card I get so much cash back every month. That is why this is the only credit card I will allow myself to have. I get so much cash back with it that any purchase I make on Amazon is free most of the time! With the Amazon Prime Rewards Card you can get 1%-5% back on purchases, depending on where you make the purchase. You get 5% back if the purchase is at, 3% back if the purchase is at restaurants, gas stations and drug stores and 1% back on all other purchases.

The best thing about this card is no matter where you are, you are at least always getting a portion of your cash back! I got $150 back already this month and used it to buy some stuff for our yard and camping this weekend! Isn’t that awesome? I basically got $150 worth of stuff from Amazon for free, all because I decided to give a rewards program a chance. Sign up today for the Amazon Prime Rewards Card and start getting cash back on your regular purchases with this link.


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The Ultimate Freebie Master List


This master list is composed of the top freebies; free stock photos, checklists, courses, guides, planners, etc.

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29 Replies to “10 Things You Are Throwing Away Your Money On”

  1. We go out to eat WAY too much. I always make excuses like I don’t have time to cook because of after school activities, but I could definitely try harder.

  2. I had to learn how to raise our family frugally a long time ago, and am so glad I did! Now our young adult children live the same way and don’t just throw their money around! They think about what they are spending their money on before letting it go! I am visiting you today from The Blog Boss Tribe

  3. Wow I’m definitely checking for spots I am leaking money! I try to be on top of things, but sometimes things just slip by! Thanks for the reminder!

  4. Going out to drink will totally deplete your budget in a second. But, its worth it for fun occasions. I think subscription boxes are such a treat – but you have to choose wisely. Keep only the ones you adore!

  5. I love ways to save money! We cancelled cable and kept internet so our bill went from $160 to $80 a month. We have Hulu and Netflix as well as the Amazon fire stick so we save so much!

    1. I should have included to get rid of cable! Haha I haven’t had cable for years and forget it still exists. Netflix, Hulu and Amazon are my life 🙂

  6. I’ve been working on being more aware of rewards or offers I can benefit from, especially at my favorite stores. I also think twice about using a coupon just because there is a sale. If I don’t need something I don’t buy it.

  7. I’m totally doing all of these, there’s just no learning for me! Really need to bookmark this post and re-read it again and again and again! x

  8. So many of these things are right on for me! My husband and I cut out going out to eat and stopped buying things that we didn’t need and we have saved so much money.

  9. We used to be so good on never going out to eat and now it’s all the time. We got really buys and it’s become the easiest option. Now it’s adding up!

  10. I could not agree more on these. It’s really important that we keep track of our online transactions and auto payments. I double check this every time I decide to cut something off.

  11. I think it’s a good reminder for all of us to check where our money is going to especially when it’s online and you have a recurring subscription. These are very good tips on how to get rid of those unwanted expenses.

  12. That paypal linked recurring payments gets me EVERY SINGLE TIME. Thank you for the reminder I need to go in and look to make sure I am not going to have any more unwanted come out!

  13. It is amazing to me what we are willing to pay for convenience. Meals fixed at home can be just as good if not better than meals eaten out, but we don’t want to prepare them, so we eat out. We would rather pay more to have bills automatically drafted from our checking account than to take a few minutes to pay them either in person or on the phone, or even through the mail. Convenience is what is driving millions of Americans to the brink of bankruptcy sometimes.

  14. Clothing is definitely one thing I cheap out on these days! With stores like TJ Maxx it’s hard to pay full price for things

  15. So smart! I’m so guilty of so many of these too. I hate wasting money and a few of these were eye openers on ways we can save money. The recurring payments has gotten me so many times!

  16. These all make so much sense! It’s easy to waste money on things, so it’s important to really think about where our money is going. I try to regaularly check my direct debits and buy most of my clothes in the sales if I can.

  17. I could save money on everything you have in this post. In fact, it reminded me to cancel something on my wireless phone account and I’m currently on hold to saving $10 a month!

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