Last summer we decided we had to pare our bills down the lowest we could. We put our Direct TV to the lowest rate offered. We're in the country and no cable is offered and we're so far out that an antenna doesn't work. We made our land line telephone local calls only. We had to keep it to get DSL for the internet service and we aren't ready to give up internet. We have the cheapest cell phone service we found. We sold our truck and brought a newer sedan. The payments were over $100 less, the gas is 12 MPG more and the insurance is the same. That savings on gasoline is BIG! We cut up 2 credit cards - one from Sears and one from Lowes. Then we looked at our grocery bill. We started eating more soup - always made with fresh or fresh frozen ingredients. Great money saver, lots of vegies, lower cost per serving, great variety. Usually at least 2 non meat suppers a week. One trip to town per week. Bulk buying at Sam's. Then the new year hit and our change in health insurance cost reflected the cost of coming Obama Care. We have been hit hard!!!!!!!!!!! Our Medicare supplement which is part of our government retirement benefit package is going from great coverage to not even so terribly good and costing us more! There went everything we had saved last summer.