On the topic of paying less, there's a saying which goes something like this : "the cheapest price you can get for a thing is to not buy it" [1]. Of course this can't be applied for everything but a lot of people, myself included, tend to buy a lot of gadgets they don't need and don't use. This is a simple advice but I think it can go a long way to saving money.

[1] if someone has the exact quote, I'll be thankful for it.