12. Electricity

You probably don’t realise it, but there’s a very strong chance that you’re overpaying for your electricity – and it’s more than likely that it’s because of your own doing, as opposed to you being overcharged by the electric company.

From leaving devices plugged in and turned on to forgetting to turn off the light when you leave a room, it really can all add up. Simply being more vigilant, upgrading to LED bulbs, using smart plugs and other money-saving tech can save you a heck of a lot of dough over the course of a year.