Whether you want to stash more money in your emergency fund or you simply want to be able to afford an unforgettable vacation at the end of the year, you’re going to have to cut some corners to do it.

In less than a year’s time, you can save up a serious nest egg, just by being smarter about your spending. Here’s how you can do it.

Cut Cable

Your monthly cable bill can easily run more than $100 a month, especially when you start adding on premium packages and DVR services. By picking up another service like Netflix or Hulu and axing your cable, you can save $90 a month.

In under a year, you will have saved more than $1,000 just from this change alone.

But if you’re not ready to say goodbye to cable, you can still trim your bill a bit. Ditch any expensive packages, and bundle any other services, like your internet, and ask for a discount.

If you’ve been a customer of that company for a long time, ask for a loyalty discount. If they don’t give it to you, go with another company and you’ll find cheaper viewing options for six months or a year.

Go with a Balance Transfer

If you have credit card debt, trying transferring that balance to another card. If you can land a 0 percent APR for a few months or a year, that one phone call will save you hundreds or thousands of dollars.

Look at All Your Memberships

Is paying so much per month for a gym you go to once a week at best really worth it? You’d be better off buying some sporting equipment and exercising at home or at the local park.

Any membership you have that costs money should be reviewed and reconsidered when you’re trying to save a lot of money within a year.

Cook or Grow Your Own Food

Planting a backyard or balcony garden is a good way to get regular access to cheap produce. You can save a lot of money just by growing some basics.

And make sure you’re cooking at home as much as possible. You should only eat out as a rare treat while you’re trying to reach your savings goal.

Switch to Term Life Insurance

If you have a whole life insurance policy, you’re paying way more than you have to. Check into term life insurance policies, which are way more affordable, particularly if you’re at a healthy weight and you’re on the younger side.

Drop That Landline if You Still Have It

People have been dropping landlines at a fast and furious rate for years now. If you haven’t yet, it’s time for you to jump on that bandwagon. It’s a waste of money to continue to pay for a landline if you already have a cell phone.

Dropping a basic landline package will save you at least $500 a year. Why would you want to continue paying for something you no longer need?