Use Pareto analysis on everything you spend your money on. Look at everything that costs you money, including loans, bills, groceries (broken down by each item), fast food, coffee, entertainment, and so on. Now calculate how much you spend on each thing per year. Now organize your list by cost, with the things you spend the most money on at the top and the things you spend the least money on at the bottom. What are the top 10 things? How much could you save if you reduced those costs by 10%