True, although I typically advise that people first try to reduce large bills instead of focusing on small ones e.g. think twice before paying 4K per month for a condo in the city when you can be in a not so hip spot a couple blocks away for 2.8K per month (that gap is most people's SBUX habit times 5).  But you kind of make the point against an additional fee also, even if small - it all adds up.  I'm always amazed at the amount I have outgoing every month.