13 things you're spending too much money on

Your home is almost surely using more power than it needs, and maybe significantly more at that.

Anything that need not be plugged in should not be plugged in, and any light bulb that can be switched off should be dark when you're not using it.

Also, spend the money to switch to LED bulbs and you will save money over time from the reduced energy use and more durable bulbs. And consider keeping the home a bit warmer in summer and cooler in winter to save on heating and air conditioning.

Don't look for a new car. Look for an almost new car.

Most new cars see about 20% depreciation in value over the first 12 months, but they don't lose 20% of their quality. Looking for a car that's just one year old could land you an almost-good-as-new vehicle with tens of thousands of dollars saved.

Some things in the world actually are almost free, as it turns out.

Tap water at restaurants, your office, the gym, or anywhere else where the water bill isn't in your name costs you fractions of pennies in the taxes that go toward infrastructure maintenance — it's appreciably free.

To get the recommended 64 ounces of water you need daily from bottled water, you'd pay at least $3.75 a day, or $1,369 a year.

If you're paying $10 a month (plus an annual $40 fee) for a Planet Fitness membership, you go ahead and keep on keeping on.

But if you're shelling out $99 or more each month for, say, an Orangetheory membership, then make sure you're not also talking about how tight your money is, because you could save nearly $2,000 by ditching it.

And push-ups and jogging? Those are free.

Most cable plans cost at least $50 per month. You could get a subscription to Netflix, Hulu, and Amazon Prime Video and still pay less than that with monthly costs combined.

And with a one-time purchase of a digital antenna, you can still get dozens of TV channels and enjoy sports, news, sitcoms, and so on.

A 2018 study found that the average American wedding these days costs $33,931. The cost of a marriage license runs from $10 at the low end to a whopping $115 at the most expensive.

You and your friends and family won't treasure the memories of a marriage license application the same as that wedding day, but the fact is your marriage could cost 295 times more than it has to.

Unless you drive a high performance car, there is no reason to put a gas with an octane higher than 87 into the tank.

Check your owner's manual or talk to a dealership to be sure, but chances are that the 89, 91, or even 93 octane fuel you're using is a waste of cash: It won't make your car faster and it will do next to nothing to preserve engine life.

And assuming you save 15 cents per gallon by switching to 87, that could put about $100 back in your pocket if you go through the 656 gallons of gas per year the average driver burns up.

When you order food for delivery, you can assume at least four or five dollars tacked on for the convenience.

Many companies charge a delivery fee to begin with, and then there's the tip you'll have to turn over as well. If the restaurant from which you're ordering is within walking distance, just do the legwork yourself.

And assuming it's within 10 miles, you'll save cash driving yourself even if you have a car with horrible fuel efficiency.

You might not think of insurance as negotiable, but in fact that's very much the case — just think of all those Geico commercials.

You can probably get the same health, car, and even life insurance coverage you have now for less by shopping around or by working with your existing provider. And check your auto insurance policy to be sure, but it likely covers you in any vehicle, so you can pass on adding insurance to your rental cars.

If your doctor prescribes you a medication with a name you can pronounce, chances are there is a generic version with a name you can't pronounce that will cost you many times less.

According to a study conducted by the Harvard Medical School, generic drugs cost as much as 80% to 85% less than name brands on average.

The USDA reports that between 30% to 40% of the entire food supply in America is wasted. Assuming you have a weekly grocery bill of $200, that means about $70 wasted each week, or an astonishing $3,640 each year.

To reduce food waste, assess what you regularly toss and buy less (or none) of it, and use canned or frozen fruits and veggies when possible so you'll stop tossing spoiled produce. And of course, you can save thousands more by preparing your own meals.

Related: My family of 4 spends $946 a month on groceries and eats at home for almost every meal — here's exactly what we buy

The occasional scratch-off ticket can be fun to buy and might well net you a $2 or $3 win, but when it comes to the multimillion dollar Powerball drawings, it's safe to assume your number will never come up, and the money you don't spend on the ticket is the real win.

Expert analysis varies, but one mathematician calculated a one in 292,201,338 chance of an individual hitting a major jackpot.

Read more: We did the math to see if you should buy a lottery ticket