Downsizing your life can eliminate clutter and free up some cash

If you can’t live without your own wheels or live too far from public transportation, trade in your current car for a more inexpensive and fuel-efficient model.

3. Cancel subscriptions you never use. Whether it’s a gym membership, a bunch of magazines or Netflix, if you don’t use it, don’t pay for it.

Websites such as Trim and Truebill will look through your bank transactions to find subscriptions you forgot about — and help you cancel them.