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.