More conveniences, habits and gadgets have found their way into our everyday lives and these things have gradually been accepted as normal, even necessary, according to financial advisor and owner of Sage Future Financial, Donna Skeels Cygan.

Her book, The Joy of Financial Security: The art and science of becoming happier, managing your money wisely, and creating a secure financial future, asks readers to consider what truly makes them happy.

The book highlights 10 common expenses that may not be necessary. Clients can use the list to review where their money is going and possibly find ways to simplify their lives and put money in their wallets.

No. 10
Inactive Gym Memberships

Consider dropping gym memberships if they are not used on a regular basis.