Let's talk some costs we can cut, which are paid too much before. Still, some of them are hard to be solved...
1. House
To be a terrible truth, you have to buy a house with half life loan.
2. Insurance
A trap set by the sales, you can pay everything for your future life, actually the brokerage of him!
3.Education
Education can be low for some developed countries, but it's still luxury things to some kids in other countries.
4.Tax
On the other hand of above point, the government always charge a lot on you specially in some developed countries.
5.Beauty and Health
Beauty Clubs and Gym Club, you shouldn't ever count how much you have to pay on their fees.
6.Software and Technology
So just go and find a job in these area, coz they are always paid higher than you can imagine.
Anything I missed? Please add!