Bring your budget up to speed. Still relying on last year’s spending plan, from when everything was considerably cheaper? It’s probably time to switch it up. Make room for the necessities — including their higher prices — and your money goals. Then consider where you can cut costs or negotiate some down.
Negotiate. As costs for things like rent and medical care keep ticking up, remember you have the power to negotiate. It’s not guaranteed to bring the prices down, but it can’t hurt to ask.
Get rewarded. Your credit card can help you get money back on spending you have to do anyway. Make purchases on a card that offers a statement credit, travel points, or other rewards every time you swipe. Or if you want to rack up cash back but not a balance, try apps like Honey and Rakuten.