If you want to increase the amount of monthly savings in your budget, which of the following methods would reasonably be the most effective? a. keep "essential expenses (fixed)" the same amount every time the budget is revised.
b. determine a "non-essential expense", or any other expense, that can be reduced.
c. pay bills as late as possible, in order to increase the amount of cash available.
d. use only money from the emergency savings for unexpected expenses.

b. Determine a "Non-Essential Expense", or any other expense, that can be reduced.

Explanation:

Non-essential expenses include most of the things we don’t need, and most often includes many items where we waste money the most. It includes spending on clothing, books, movies, magazines, video games, dining out, gifts, snacks, candy, shoes, etc.

Therefore reducing these expenses can increase the amount of monthly savings in your budget.

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