This may seem like a dilemma, yet there is a solution. The best way to increase money without working is to avoid spending it in the first place. Some people call this a budget, but you could just as easily call it a spending plan. Here are a few tips to help you maximize and stretch your hard- earned cash. Create a Spending Plan.
Many people resist the idea of a budget, associating it with hardship.
Instead, look at it in a positive, proactive way. When you plan your spending, you may find you spend more wiselyyou're taking control. Pay Yourself First. Put savings and investments at the top of your spending plan. If you wait until the end of the month to invest any leftover cash, you may find yourself with an empty nest egg when you need it most.