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Transportation
Transportation is an absolute money killer. Do you have to drive to work? If so, changing your driving habits will save gas (shameless article plug). Can you take public transportation? Ride a bike? There was a time in Korea where I rode my bike to the Army base instead of driving and saved myself two fuel-fillups a month. It also actually saved me time by cutting out the traffic jams and was good exercise.
Here in NYC I figure how often I will actually ride the bus or not to buy the most optimal mass transit tickets. For example, when I'm in Manhattan everyday of the month, I'll buy the unlimited monthly pass. But there's a threshold of days where I save money buy buying the 10 pass discount instead.
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