Make sure you stay current with any employee perks and benefits you might have for every day expenses, especially if you work for a large company. Many times you can get discounts on your phone bill, insurance, movie tickets, etc. But it doesn’t happen automatically, you must sign up. As an example. my family AT&T phone bill normally comes out to around $200 a month. With a 20% employee discount, that comes to $160 a month, that’s $40 a month, or $480 a year in savings. Sometimes there are also employee purchase programs for large consumer items, such as computers and appliances. Keep your eyes open and make sure to thoroughly browse your employer benefits website, or check with your HR on possible discounts before any big buys.