Get rid of those recurring expenses that you’re just not using anymore.  Sure, $5.99, $9,99 or $12.99 a month doesn’t seem like a lot…but that’s $72, $120, $156 a year.  Then, if you have a couple of those, you see how it really adds up.  So, take a hard look at the streaming services, magazine subscriptions, diet plans, and online services, you might have that just pull money from your account every month and think about cancelling the ones you don’t use.  It doesn’t mean you can’t sign up again in the future, but don’t pay now if you’re not getting anything out of it.