What could you use to pay for the insurance?

Prioritising spending money from your normal living expenses to pay for insurance needs consideration. Which of the following are you able to use to pay for insurance premiums:

1. Surplus income, as you don’t spend all you money?
2. Reduce other insurance costs to ensure you can pay for your personal insurance. Reduce the cost of house cover, health cover, pet cover, etc.
3. Or reduce personal spending. What could you reduce, eg outings, takeaway, alcohol, hobbies, gym, Netflix, etc.
4. What would you be prepared to change?