Monitoring your expenditures also assists in identifying wasteful spending that can be cut or eliminated, freeing up additional money for debt repayment or savings. Taking advantage of bonuses and papkpromotions can greatly improve your financial status in today's consumer-driven society. Numerous stores have loyalty programs that offer discounts or incentives for regular customers. Enrolling in these programs will allow you to save money on things you frequently purchase. Grocery stores, for example, frequently provide loyalty cards with cash back on subsequent purchases or fuel discounts.