It’s easy to be lulled into regular expenditures that add little to your life. If you’re looking for ways to cut spending, turn first to monthly bills and look for ways to trim or eliminate them.

Smart On Money calls out common budget-busters that may be troubling your finances.

Your cell phone bill is an excellent place to start when cutting back. It’s become commonplace to pay close to $100 a month to feed your smartphone. Switching to a lower-tech phone with a cheaper plan can free up a bunch of money. Living without the technology for a while will help you decide whether or not it’s worth it to you to start paying for it again.

If you’re expecting a tax refund, that may mean your paycheck withholding amounts are too high. Rather than giving the government an interest-fee loan, you can change things up and get more money each paycheck.

You can also look for ways to cut your car maintenance costs. Read your manual to make sure you’re not changing your oil too often, and check the competition and coupons to see if you can get routine maintenance done at cheaper rates.

9 Common Ways You Could Be Wasting Your Money [Smart On Money]

Want more consumer news? Visit our parent organization, Consumer Reports, for the latest on scams, recalls, and other consumer issues.