Sticking to a very tight budget and saving as much money as you can for future plans is not easy. Add to that an ongoing pandemic, and you have a recipe for disaster when it comes to good financial habits.

But that doesn’t mean there aren’t ways for you to cut back on your daily expenses. By carefully considering what you can avoid paying for, at least for a time, you’ll open yourself up for more financial possibilities in the future. That means that whether you’re in your 20s or 50s, now’s a great time to start considering the things you don’t actually have to pay for.

So, whether you’re saving a pic ticket item you’ve needed for a while, retirement, a much-needed vacation or anything in between, here are 21 things you can stop paying for right now!