Maximize credit card rewards programs
If your credit card have rewards programs, it’s time to get very familiar with those. You could get cash back for the items you already buy or find discounted gift cards to the stores you already shop at. Most credit card rewards programs work that way: your points go further if you shop within their portal instead of taking the cashback. So you can actually gain by seeing if they offer discounted gift cards. For example, 5,000 points might be worth $50 cash-back or a $60 Home Depot gift card purchased through the portal. $10,000 points could be worth $100 in cash or a $125 Walmart gift card. If you already needed to make a trip to one of these stores, get the gift card.