Reduce Mortgage payments – renegotiate your mortgage for a lower interest rate
Reduce loan payments – consolidate loans with one low interest loan, pay as much as you can as quickly as you can to repay the loan in full
Reduce utility costs – turn off lights, reduce water usage and adjust the thermostat to reduce your utility costs. Shift heating and cooling to low rate hours etc
Reduce car insurance payments – evaluate how much insurance you need for health, life, car and home. Negotiate a better deal for no claim situations.
Pay less for your smart phone – negotiate a better contract, shop around, get a smart phone free with a contract, use WiFi to reduce data portion of your bill, use text instead of calling.
Pare Down Food Bills – buy sales, buy in bulk, avoid specialty items and clip coupons.
Drive smarter – combine errands to reduce trips, avoid jack rabbit starts and stops, drive at the speed limit and coast into stop signs and lights instead of breaking at the last minute.
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