Are you struggling to make it to the end of the month, even though you don’t spend much? You’re not alone.
Many people find themselves in this situation, watching their account balance drop without understanding why.
Often, it’s not big purchases that drain your money, but invisible expenses—small, regular costs that seem harmless, but add up fast.
In this post, we’ll look at 3 common expenses that silently empty your account.
Understanding them is the first step to taking control of your money.

“Beware of little expenses. A small leak will sink a great ship.”
– Benjamin Franklin

We often think we need a higher salary to live better.
But if you have regular income and still run out of money by the 20th of the month, maybe it’s time to look at where your money is going.
Here are three types of expenses that quietly drain your balance:

Ignored automatic payments
Insurance, phone plans, old services you set up years ago. If you don’t check your statements often, you may not even realize you’re still paying them.

Forgotten subscriptions
Netflix, Spotify, Amazon Prime, old apps, unused gym memberships. You’re still paying for them every month—even if you don’t use them.

Small daily expenses
Coffee, cigarettes, snacks, bottled water. A few euros a day may not seem much, but over a month they can add up to hundreds.

Recognizing these expenses is the first step. But what can you actually do?

• Review your account monthly
• Use an app to track your spending
• Set reminders for recurring charges
• Pause or cancel subscriptions you don’t use

You don’t need to change your life completely. Just a few small steps can help you recover 100 to 500 euros/dollars a month.
That money can go into savings, investments, or simply give you some breathing room.

Conclusion with practical tools

Invisible expenses are sneaky.
You don’t see them, you don’t notice them… but they’re draining your wallet.
Unused subscriptions, small daily habits, and forgotten charges are often to blame.

Start cutting or managing them better, and your finances will improve right away.
It’s not about drastic changes—it’s about being more aware.

Here are 3 free apps that can help you right now:

• Wallet – Tracks all your expenses and accounts clearly.
• Money Manager – Simple, visual, with reminders and graphs.
• YNAB (You Need A Budget) – Great for those who want to manage every euro with purpose.

Take one hour, download one of these apps, review your account, and start there.

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Disclaimer
Do More Money is not a financial advisory service.
All content is for informational purposes only.
This is not financial advice.We collect and share public insights from major investors and third-party sources. We do not offer personalized advice and we are not financial advisors. All information remains the property of its respective authors or original sources