Use cashback, bonuses and loyalty programsExpenses can generate income, and you can regularly
return some of the money to the budget For example, a refund of 1% of monthly expenses of $ 400 in the form of cashback will be 400 * 12 * 1 % = $48 per year. In 5 years, it will be $240 from just 1% cashback.
And the return of interest on the purchase amounts in the form of airline miles or compensation for flights, hotel reservations, etc. will give you the opportunity to travel for free once a year
