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.
Call and ask to speak to the retention department. Mention how long you’ve been a customer, then negotiate for a discount or get them to meet (or beat) a competitor’s rate.
Some billers offer a discount to customers who pay their bill once a year or all upfront versus monthly.