With a struggling economy, falling value of the dollar, job losses, and a great deal of financial uncertainty, many of us are looking for ways to cut back on unnecessary expenses. Luckily, there are plenty of places where we all have been wasting our hard earned money. When times were good, and credit flowed like water, even the smartest of us couldn’t resist frivolous purchases every now and again, but things have changed, most of us are realizing the error of our ways.