Frugality is the simplest, quickest way to improve your finances. When compared with increasing your income, living frugally is far easier.
Revisit your recurring expenses to see if you can reduce, cut or optimize them.
Every year or so, shop around and get two to three new quotes on your recurring expenses. Switching to a competitor or taking advantage.
Instead of leaving for a competitor, try negotiating with your biller. Call and ask to speak to the retention department.
Some billers offer a discount to customers who pay their bill once a year or all upfront versus monthly. Insurance, online services, and some medical services.
Maximize your spending by paying with a rewards credit card. Even better—use a card that offers higher-earning categories. (For example, groceries, gas, restaurants.)