Prepay your car insurance premiums. You might be paying additional administrative fees if you pay your car or other insurance premiums monthly. Move to annual or semiannual billing to reduce the extra charges. Can’t prepay the whole premium right now? Try bundling your insurance policies to lower your bills.

  Switch to annual billing on your subscriptions. Whether your subscription is for the newspaper, TV streaming, fitness memberships, software, music or Amazon Prime, switching to yearly billing saves money and streamlines your monthly bills. Can’t do them all at once? Switch one at a time and treat it like a monthly bill by putting it in your budget.