When dieting, it is apparent that cutting back on little things can make a difference–cutting out the sweets or the extra helpings can contribute to shedding the extra pounds.  In the same way, cutting back on the little things in the daily spending can make contribute contributions to the annual budget.  A recent article in Business Insider (https://www.businessinsider.com/making-a-tiny-change-to-my-daily-routine-saved-me-more-than-700-last-year-2015-2 ) illustrated how forgoing a soda with lunch resulted in a $700 a year saving.