Wendy Dela Rosa provides three tricks to help save money by changing one's environment and decision-making process. The first trick is to harness the power of pre-commitment by signing up for savings apps that commit savings decisions in advance. The second trick is to use life transition moments like birthdays to commit to financial goals. The third trick is to get a handle on small, frequent purchases like eating out or ride-sharing by limiting payment methods to curb spending in those categories.