• In my country you have to pay an annual fee if your bank account exceeds a certain limit (5000€), so I opened another bank account to split the amount and not pay any fee
• In my country if you pay your medical expenses with a debit/credit card, you get 19% of what you spent back the next year, so I always use that
• I track all of my expenses. It helped me see where my money went. I'd rather download .mp3s on my phone than paying 12€/month for Spotify because all of these little expenses are like half a salary per year, no thanks
• The money it don't immediately need is put in money markets. At least it's revalued for inflation

I'm kind of obsessed with money because I got traumatized from a time where having 30€ more could mean eating for another week