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Interest rates are near historic lows. So, try to refinance your mortgage, auto loan, personal loan, or student loan. Lower rates can lead to lower monthly payments and more of your money going toward principle. And with the lower payments, put the difference in payments toward your emergency fund. -Brent Weiss, Co-Founder of Facet Wealth, Baltimore

(thx to Egan and Shandler ‘Vroom! Turbo charged team building’) Synergy is group energy, MULTIPLIED by itself. Note here that it is the function between the numbers- that makes the difference! 3-3 = 0 3/3 = 1 3+3 = 6 3×3 = 9 So is the synergy positive or negative? The lowest output comes from subtraction and division. The highest output comes from addition and multiplication. Isn’t that something? Hmm…

Create a list of money rules, including how you will handle unexpected income. For example, if you receive a bonus or tax refund, where will the money go? I recommend spending 50% and saving 50%. Then, set a time in your calendar to review the rules every six months. -Ramit Sethi, author and founder of Earnable in New York

Pack a lunch for yourself one or two days a week and put at least $5 per meal into your emergency savings. -Andrew Crowell, Vice Chairman of Wealth Management at D.A. Davidson, Los Angeles

Look at the deductibles on your auto and homeowners insurance policies. Many people have deductibles that are much too low given their claims history and could save hundreds or even thousands of dollars annually on premiums if they increased their deductibles. Also, consider eliminating collision insurance if your car is older. Your insurer may issue a prorated premium refund. Redirect that money (and the additional premiums you would have paid in the future) into your emergency fund. -Evelyn Zohlen, President of Inspired Financial, Huntington Beach, Calif.