I find that one of the biggest challenges to living a thrifty/frugal/smart life is the "little" expenses. The unexpected or unnecessary costs...it is easy to spend $10 or $20 a day with little effort-which ads up to $3650 or $7300/year!
I'm talking about the coffee/softdrink/newspaper you grab at the local shop, the $10 spent on a lunch because you aren't at home or didn't premake something-all seemingly minor costs.
If I handed you $7300 in cash right now, what would you do with it?
My suggestions are twofold-spend meaningfully and spend more time at home. If you don't leave your house every day there will be less opportunity to let that hard earned cash slip through your fingers-plus you will probably find time to do activities around your home which will also save more money. Baking, gardening, window washing-all activities which "busy" people tend to pay others to do...
Have you thought about inviting friends to your home for a coffee morning or afternoon tea? It would cost you less than going elsewhere-and if you find tidying your home gets away from you, then having visitors tends to be a great impetus to get it done!