We always hear tip-based stories about clever ways to cut your spending, but many of them come with a lifestyle change to which you might not be ready to commit. Such as: Growing your own vegetables, cutting your own hair and nixing the occasional latte that makes you feel more human during a difficult workweek. However, there are a bunch of painless changes you can make that can help you save more. If you're up the creek without a paddle, these won't help you too much. (Instead, get thee to Suze Orman and the Frugal and Personal Finance subreddits.) But if you've ever looked at your bank statement and thought "I could do better," then this is for you.