Reducing expenses is the fastest way to improve cash flow. Small cuts add up to significant savings.
Track Your Spending
Use apps like Mint or YNAB. Categorize expenses. Identify spending patterns. Find areas to cut.
Quick Wins:
- • Cancel unused subscriptions ($50-200/month)
- • Negotiate bills (insurance, internet)
- • Cook at home instead of dining out
- • Use public transportation
- • Shop with a list
- • Use coupons and cashback apps
Big Savings
Refinance mortgage or car loan. Move to cheaper housing. Eliminate car payment. Reduce energy costs. These save thousands annually.