If you’re like me, you’re probably paying for stuff you don’t even use. Well, maybe not like me cause after writing this I canceled stuff and rearranged my life. So I’m already one step ahead of you...catch up!

Here are those five things you should cancel, stop buying and start doing. Then take all that cash you saved to help pay off debt (and maybe buy a new pair of shoes).

Cable

Do you actually watch all 500 channels that you’re paying for? If you do, we need to sit and talk so I can report you to science. But chances are, you’re not. Matter of fact, you probably only have HBO right now cause you’re waiting for the last season of Game of Thrones to come out. Well, keep waiting and keep paying. Or you could be smart and cancel cable now, then just get the online subscription to HBO for when it comes out and cancel it again. It’s totally legit. I checked. Also, you’re probably just binge watching Netflix shows. Cable = $100+/month. Netflix = $10/month. So why are you paying for cable again?

Unused subscriptions

Do you really need Apple Music, Spotify and Satellite radio? At some point in my life I thought all three were absolutely necessary. I have regained my senses. You should do the same.

What other subscriptions are you paying for because you mostly like to throw money away? Don’t be like this kid, you might need those pair of shoes that are going on sale next week.

Buying lunch

Not only will buying lunch everyday cause you to gain 50 pounds and therefore ruin your New Year’s Resolutions, but it also costs you mucho dinero. Don’t want to cook? Make yourself a sandwich. It’s easy. It’s cheap. Again, those shoes are going on sale next week.

Bottled water

Why do you hate planet Earth so much? It’s a pretty cool place to be. There’s oxygen and science-y things that let us live here. All that plastic from bottled water is bad. It’s killing the fishies. (Do you really want to kill the fishies?) You don’t need those plastic water bottles. Besides, now that you’re bringing your lunch to work every day, you can fill up a reusable water bottle too. Want filtered water? Get a water filter. Look at you saving the planet. Your mom will be so proud.

Excess groceries

Speaking of, can’t you just hear your sweet mami in your head right now…"Tantos niños muriéndose de hambre, y tu aquí desperdiciando la comida.” (So many children dying of hunger, and you’re just here wasting food.) Shame on you. I’m telling your mom! How many times have you bought stuff and ended up throwing it away cause it went bad? It’s pretty sad. Not even my dog wants it. How about planning your meals ahead of time, writing a list, checking it twice? But, don’t forget the snacks.

There you have it. If anything, after reading this, three things are very clear. First, I need to talk to your mom. Second, you should check out this blog so you can get real advice about ways to pay off debt. And last but not least, I just saved you a bunch of money and now you don’t have an excuse to not get me a birthday present.