Keeping track of your annual expenses and renegotiating them can lead to significant savings. Regularly reviewing and negotiating these costs ensures you’re not paying more than necessary and can help you manage your budget more effectively.

A survey of members of the Facebook group, Empty Nester Women Looking to Relocate, conducted in June 2024, found that more than half (51.3% of respondents are paying off debts). That prompted us to look for steps to help them confront and tale on the challenge of becoming debt free.