If there are services for which you pay regularly and do not use, discontinue them. I have met a number of people who have some sort of service that is charged directly to their credit card every month and they no longer use the service. Often, people get use to seeing these fees and simply allow the charges to continue. If you want to gain control of your finances, you have to know where all of the money is going. Some services may still be used occasionally, these need to have their cost to usefulness reevaluated. Make sure that they are still worth it.