1. Cut Unnecessary Expenses
• Track Your Spending: Use a budgeting app like Mint, YNAB, or a simple spreadsheet.
• Cancel Subscriptions: Review streaming services, gym memberships, and apps you rarely use.
• Reduce Dining Out: Cook at home more often and meal prep to avoid impulse takeout.
2. Lower Bills & Fixed Costs
• Negotiate Bills: Call providers for internet, insurance, and phone plans to ask for discounts.
• Use Energy Wisely: Turn off unused lights, unplug devices, and use energy-efficient appliances.
• Refinance Loans: If you have a car loan, mortgage, or credit card debt, check for lower rates.
3. Shop Smart
• Use Cashback & Coupons: Rakuten, Honey, and store loyalty programs can save you money.
• Buy Generic: Many generic brands offer the same quality as name brands but cost less.
• Buy in Bulk: Stock up on essentials at stores like Costco or Sam’s Club when prices are low.
4. Increase Your Savings Automatically
• Pay Yourself First: Set up an automatic transfer to your savings account each payday.
• Use a High-Yield Savings Account: Look for online banks offering better interest rates.
• Try the 50/30/20 Rule: Allocate 50% to needs, 30% to wants, and 20% to savings/debt.
5. Earn Extra Money
• Side Hustles: Sell handmade soap (since you’re planning a soap business), freelance, or start a blog.
• Sell Unused Items: Use eBay, Poshmark, or Facebook Marketplace to declutter and make money.
• Cashback on Purchases: Use credit cards that offer cashback if you can pay them off monthly.
Glorianlove’s website 