GREENSBORO, N.C. -- We all wish we had a little more money right? You want to save, but there's a doctor's visit or a random credit card charge you need to take care of and before you know it you're broke again.

Those unexpected expenses really rack up. Key word: "Unexpected!" You can't avoid the unexpected -- but what about unnecessary expenses?

WFMY News 2's money expert Ja'Net Adams says if we got rid of those unnecessary expenses then paying off debt would be so much easier.

Adams offers these three tips to help you get back on track.

1. Avoid Speeding Tickets:

"Speeding tickets are the most common unnecessary expense that many people face. They are completely avoidable if we would just leave earlier or at least pay attention to our speed. This unnecessary expense can cost you hundreds of dollars with your ticket, lawyer, and future insurance costs," explained Addams.

2. Avoid Overdraft Fees:

"Another common expense that is unnecessary is the bank overdraft fee. This fee typically averages $34 depending on the bank or the credit union and if you really don't have money in your account this expense could add insult to injury. When you get money back into that account you have to pay for that $34 charge before your account returns to black. If you stay on top of your bank account then you will never see this unnecessary expense."

3. Pay Your Bills On Time:

"The last unnecessary expense is one that I am guilty of and that is missing the payment date for utility bills or bills in general. None of my utility bills are automated because utility bills like water and electricity can fluctuate. I don't want to automate a fluctuating bill where it may be $100 one month then $500 the next month because of a glitch in their system. For that reason I have to keep up when each payment is due and if I don't like with my water bill in the past it will be a $27 charge! If you are able to pay all of your bills on time make sure to do so, because it is an expense you don't need."

So the take away here is that unnecessary expenses are avoidable so avoid them!

"Unnecessary expenses are completely avoidable. It is worth your time and your bank account to avoid these expenses at all costs," said Adams.

You can get more tips from Ja'Net Adams online by clicking here.