Revisit your recurring expenses to see if you can reduce, cut or optimize them.
Switching to a competitor or taking advantage of promotions could save you hundreds.
Instead of leaving for a competitor, try negotiating with your biller. Call and ask to speak to the retention department.
Pay annually (or all upfront) instead of monthly
Some billers offer a discount to customers who pay their bill once a year or all upfront versus monthly.
Maximize your spending by paying with a rewards credit card. Even better—use a card that offers higher-earning categories.
Pay in cash instead of with a credit card
Often, smaller businesses will offer a discount if you pay in cash or with your debit card.