I agree with Artechim - our money disappears in drips too. We have started budgeting and writing down whenever we spend anything. We were amazed to find that extra trips to the store each week for bread, milk, extra fruit, nappies was adding up to as much as $200 a week (not always that much but some weeks it was). We thought we were living really well on $250 a week on groceries but it turns out we were spending a whole lot extra and it was a shock. We have found that we can't avoid going shopping for some items midweek entirely because we simply can't keep enough bread and milk in our house (we don't have the fridge and freezer space) but we have started writing out a list for things to get from the grocery store when we go and not buying anything extra. It does make a HUGE difference. We were doing so much impulse buying without even realising it and throwing so much away.

I have also found avoiding shops and online shopping altogether unless I am looking for something specific and have budgetted for it. I get sucked into good sales and even though something is a real bargain for $5 it is still just eating away at our money.

Everybody would be different in what their money drips away on, but it might be worth itemising every time you spend money for a month and having a look at where you think you are overspending that way. Listing it out for us was a real eye opener (also considering everytime we use EFTPOS it was costing us more money - only an extra $5 to $10 a month but it all adds up).