Review ALL your expenses and make cuts

Use your credit card statements and checking accounts to make a list of all your recurring monthly expenses. Place a checkmark next to ones that you feel can be reduced, replaced or eliminated. Then work the list by making phone calls requesting better deals, or fewer options or just cancelling.  There also apps like TrueBill and Trim that will help you find and cancel subscriptions.  Though I recommend a legal pad or spreadsheet.

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