01. Create a simple budget.
02. Negotiate bills.
03. Automate your savings.
04. Save windfalls.
05. Experiment with a no-spend challenge.
06. Sell unused items.
07. Try the 52-week money challenge.
08. Take on a side gig.
09. Digitally round up your purchases.
10. Use cash-back rewards strategically.
Bonus Tip: Be Kind to Yourself
If saving for an emergency fund feels impossible right now. Please remember that you aren’t alone. As you evaluate your finances, ask for help, find support, and be kind to yourself.
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