Part 7/9:
In month five, focus shifts to enhancing your income and negotiating expenses. Start by preparing for salary negotiations: gather specific examples of your contributions and research your worth in the job market.
Furthermore, reevaluate major expenses like housing and transportation. Find ways to negotiate rent, reduce recurring costs, or even consider refinancing loans for better rates. Small changes can lead to significant long-term savings, liberating more capital for investments or savings.