When times were better, it was a lot easier to let the little things slide. Things like new cell-phone fees, car-lease clauses, and all those fliers written in fine print that got tossed straight into the recycling bin.

The problem is that some of those little things have turned into much bigger money maladies as time has passed. Here are four fixes for a few of the most common money siphons.

Stop life-insurance premiums from driving you to an early grave
Escaping the shackles of a shoddy life-insurance policy before your contract is up can be a snap -- so long as we're talking about term insurance. Simply cancel your policy, and stop paying premiums.

If, on the other hand, you hold a policy that offers permanent coverage, your punishment for early cancellation is a nasty surrender charge. These fees can be brutal -- not budging for years and costing up to 10% of the policy's payoff value. Thus, many people simply stop paying their premiums and kiss whatever money they've paid into the policy goodbye.

For those who haven't built up any cash value, a cut-and-run approach may be the soundest exit strategy. But if you've had the policy for 10 or 15 years and have built up a decent amount in cash value, bail out by either transferring into a low-cost annuity with a 1035 Exchange or converting to a paid-up term insurance policy tax-free with your current company. But don't get sweet-talked into another high-fee product, and make sure you're eligible for a replacement term policy.

Hang up on a dud cell-phone contract
That snazzy phone you got for free makes a pricey paperweight if the service contract turns out to be a bad fit. I don't blame you for considering tin cans and a ball of twine, especially when faced with $175 to $250 in early termination fees -- for each phone, if you have a family plan! Get out your reading glasses, and cozy up to your contract.

Look for the "materially adverse change" clause, which allows customers an early no-fee exit when the carrier changes terms -- say, for example, it adds administrative fees or increases its texting charges. The catch is that you have only 14 to 30 days to bail. If that window has closed, head to Celltradeusa.comto swap out of your contract. Registration is free, and unlimited access to potential buyers is $19.99 -- good until you finally unload that contract.

Put the brakes on a crummy car lease
If you're getting taken for a ride in a pricey car lease, stop watching the odometer and head to LeaseTrader.comor Swapalease.com. These services match you up with someone who will take on your auto albatross and thus steer you clear of pricey termination fees. Paying a few hundred dollars to hand over the keys sure beats the alternative of shelling out $300 to $400 in dealer disposition costs and having to pay the remaining contract in one lump sum.

Dump that overpriced, underperforming annuity
Do you own an annuity whose return is severely lagging its benchmark (e.g., a fixed annuity versus a bond index)? Or is the company behind your annuity looking a little sickly? It might be time to plan an exit strategy.

Since dumping an annuity early triggers surrender charges, the longer you wait to bail, the less you'll pay in penalties. In the meantime, consider partial annual withdrawals (e.g., 10% per year), which some institutions allow sans surrender fees. Continued...