Look at your credit card bill from last month.

Don’t simply glance at what you paid.

Really comb through every expense

Look for all automatic charges to past subscriptions you may no longer use, and to your streaming services like Netflix and Hulu.

“Do I really need these things?’ look to make cuts in some places.

It’s also worthwhile trying to negotiate rates with your cell and cable provider.

And when you go food shopping, make a list ahead of time so you don’t find yourself wandering around aisles buying too much stuff.