About 2 yrs ago my finances went thru a drastic change. So I went thru all our monthly expenses to see what we could cut down on. I canceled all but local calling on my home phone. I looked at various Ins. co. for the lowest cost of car and house insurance, save big bucks there. My DD put us on her cell phone plan so that was less expensive. My DH had a life ins. policy we paid on monthly, checked with the Co. and now the divedends pays the monthly premium so we not longer have to. Go to the city only once a week for Appt. or grocery or any other errands that need doing to save on gas. And the list goes on. So look around you will find many things you can change. It sure helped me out