Are you suffering from the pressure of post-holiday spending? You’re not alone. Temptation to spend was at an all-time high last year. According to Mastercard SpendingPulse, holiday sales increased 5.1% to more than $850 billion in 2018. What’s more, USA Today reported that Americans were spending a whopping 90% of their income (NINETY PERCENT of their income!), meaning consumers were literally living paycheck-to-paycheck.

If that sounds like you, don’t worry. We’ve compiled tips to help you spend less, save more and build up that nest egg. Here are 10 ways to help you reach $20K by year-end:

Nix unneeded recurring payments.

Potential annual savings: $1,200 – $2,000

Did you know an estimated 48% of consumers signed up for free trials that automatically renewed without their knowledge? Unknown fees or recurring expenses could be money-sucking expenditures you don’t need. An unused gym membership, for instance, can add up to be $800 annually; enrolling in multiple streaming services could cost you hundreds of dollars a year, and if you’re still using cable, that’s an estimated $1,200 out-the-door. Once you understand where your money is going, you can strategize ways to remove those monthly expenses and increase your savings.

Expand your revenue streams.

Potential annual savings: $2,500

There are several low commitment opportunities that can earn you extra income. For example, rebate apps or online surveys can provide great cash incentives. If you have the time and energy to take on a slightly larger gig, you can consider driving for a ride sharing company, becoming a mystery shopper or dog walker, earning you an additional $200 or more a month.

Consider a roommate.

Potential annual savings: $4,800 – $13,000-plus

Finance experts recommend spending 30% of your gross monthly income on housing. That means if you make $3,000 a month (before taxes), you should be paying roughly $900 on rent. With rising costs, that might seem impossible. But getting a roommate can help you reach that pesky 30% rule – and save you anywhere from $400 to $1,100 a month, according to Smart Asset’s annual study. Another benefit of roommates? They can split utility bills and other housing costs.

Kick your café fix.

Potential annual savings: $1,100

Your daily morning latte is not the healthiest for your wallet or your waistline. Studies show the average person spends $3 on coffee each day. If you limit your habit to once a month, that can net you $1,064 annually. Or you could even save $1,100 a year by going ‘cold turkey’ and making your coffee at home.

Try other forms of transportation.

Potential annual savings: $1,150-$10,000-plus

According to AAA, Americans spend nearly $10,000 each year on their vehicles, including: gas, finance charges, maintenance and insurance. If selling your car to recoup that $10K isn’t possible, experts say you can carve out a large chunk of expenses by dabbling with other transportation options. If your office is downtown — where parking can run $8 to $17 an hour — consider scrapping the drive in a few days a week and carpooling, ridesharing or riding your bike instead. Here are 10 other ways you might be able to significantly cut transportation costs.

Never pay full price.

Potential annual savings: $960-plus

Here’s a fun tidbit: most grocery stores release weekly sales on Wednesdays. And clearance items usually get stocked in the early mornings or late evenings, meaning this might be the best time to get drastically reduced prices. If you switch to buying generic, you could also save an extra $20 a week. Here are nine other shopping strategies that can save you big.

Curb your dining out habits.

Potential annual savings: $1,500-$3,000   

The average household spends around $3,000 a year on restaurants and fast food. Even if you reduce the frequency of dining out by half, that’s still a significant savings. Brown bagging your lunch, cooking easy-to-make dinners leveraging low-cost, healthy staples (like beans and rice) or prepping meals in advance, are some of the best ways you can easily shave off dollars without sacrificing taste.

Master the 72 hour rule.

Potential annual savings: $5,400

The average person spends $450 a month impulsively. Whenever you feel the urge to splurge, force yourself to wait 3 days before deciding whether or not to buy those items in your Amazon shopping cart. This will help stave off any impulse buys and make you less likely to buy big ticket items you don’t need.

Make saving automatic.

Potential annual savings: $8,000

Paying yourself first is one of the most impactful things you can do to pave the path towards financial freedom. Setting up an automatic transfer from your checking to your savings every paycheck is a great first step. Try aiming for the ‘rule of thumb’: 20 percent of your monthly income. That could translate to $8,000 a year (off a $40,000 salary).

Try an eSave Account Package.

Potential annual savings: skies the limit!

If building your savings is just not top of mind, FirstBank offers an eSave Account Package — an automatically linked saving and checking account — to help make increasing your savings e-a-s-y. Here’s how it works:

For each Visa Debit Card, Bill Pay, or Electronic Funds Transfer transaction, FirstBank will transfer an amount you specify (1 cent to $99) from your Anywhere Checking account to your eSave Savings account, making ‘paying yourself first’ in your control, and out-of-sight, out-of-mind. You might be surprised by how fast your savings can grow.