(BPT) - Keeping resolutions is the hardest part of making them. If you’re like many, 2013 may be the year of getting your financial house in order. For some, that may mean getting out from credit card debt or paying off a student loan; for others, it may mean setting aside more for emergency savings or for retirement.

Whatever your financial resolution, keep in mind that even the smallest, simplest steps can add up over the course of a year to some sizable savings. If you’re looking for a few ways to hold onto extra cash, here are five tips to trim your household budget without feeling too big of a pinch:

1. Get rid of unused memberships: Make a complete list of all your memberships and their associated annual fees. Objectively assess how often you use them. If you haven’t visited the gym, the museum or that website in ages, then cancel your membership and pocket the savings.