This is a great question to ask yourself no matter where you are financially. If you are spending more than you bring in, you need to question where your money is going and what it is accomplishing in your life. So, what can you live without? Here are few items to help you get started improving your life financially as well as mentally.

Cable
There are so many options now for watching TV shows that you may be able to get rid of your cable and not miss out. You may be surprised how much free time you have if you’re not watching shows you really don’t care about.

Gym
You may have the greatest intentions to go to the gym, but if you don’t use your membership on a regular basis, it’s probably best to cancel. Try outdoor activities or community sessions that don’t require an annual commitment.

Habits
Whether it’s a serious habit like smoking or an online shopping addiction, if there is something that you are spending extra money on that is hurting your physical or mental health, it’s time to confront the problem.

Entertainment
From eating out to movie rentals, take a close look at what you are spending on entertainment and cut back. Create a budget specifically for entertainment either weekly or monthly and stick to it.

Landline
If you still have a landline, you should consider cancelling it. Think about how often you use it, if you can live without it, and what the cost savings would be.

These are just a few items that you could possibly live without and to help get you thinking about de-cluttering your life and finances.