Sometimes, our budget can wind up on autopilot. Go through your recurring expenses and double-check that your money is really working for you. Are you really, really watching every streaming platform every month? Or can you cancel something until the next season of your favorite show drops? With your flexible categories, like dining out, can you challenge yourself to spend a little less and put that money into your emergency fund? I have some more ideas about ways to trim your budget here.
You can also look into renegotiating your recurring expenses. Things like your phone bill, your car insurance, your streaming services and your cable bill are not as set in stone as you might think.
"I am 100% of the mindset that you need to be calling every single year and asking either for a retention bonus or threatening to leave," Tu said.
Call the customer service line, tell them you're thinking of cancelling or switching to a competitor, and ask to be connected to the cancellation team or department. Those are the people who actually have the power to offer you a lower monthly payment - Jessica Roy
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