To do that, consider cutting back on discretionary expenses such as restaurant meals and travel, as well as consolidating some of your bill payments to save on fees. (moneysense.ca)
Then use your other savings and income for discretionary expenses. (fidelity.com)
That means fixed expenses like housing, transportation, food and insurance, and discretionary expenses like the money you spend on dining out, entertainment, travel and personal care. (creditsesame.com)