Twelve months ago, we launched an extraordinary campaign to help thousands of EBONY readers supersize their wealth factor. Along the way, we’ve provided the tips, tools and resources to assist with reducing debt, boosting savings and making smart moves to retire rich. To keep you on the right track, we’re wrapping up the EBONY Wealth Challenge with 10 savvy money moves to set you up for a solid financial future.

1. Get your mind right
“Wealth begins in the mind and ends in the purse,” says Dennis Kimbro, author of The Wealth Choice: Success Secrets of Black Millionaires. If you want to earn more, you must learn more, says Kimbro, who co-wrote the best-selling Think and Grow Rich: A Black Choice and spent seven years studying the behaviors and mindsets of the most successful Black millionaires.

2. Lower your bills
Renegotiate the terms for your car note, cable bills, utilities and cellphone bills. Tiffany Aliche, a financial literacy expert and author of the best-selling book The One Week Budget, suggests calling and asking for a discount. Her advice: Express that you’ve been a loyal customer, and you’re not able to continue paying the current amount. Inform the service provider that you want to remain a customer, and ask if there is something that can be done to help. Be pleasant, Aliche says. Research competitor rates and use that information to build your case, she adds. Ask to be transferred to the retention department. As a last resort, Aliche suggests being prepared to take your business elsewhere.

3. Automate
Pay your bills automatically each month by setting up electronic withdrawals to eliminate late fees, avoid credit score issues and reduce postage costs. Pay yourself first, and include your savings or investment deposits as one of your monthly bills.