• Lower your cell phone bill by downgrading your plan if you don’t need all you are paying for.
• Don’t outsource household services when possible.
• Stop tithing, at least temporarily. Most religious groups are supportive of this if you need time to get...

If you’re paying for whole life insurance or universal life insurance, consider a cheaper term policy instead. The cost per year will be significantly less expensive – even if you buy similar coverage.

Carpool to work if you can to significantly reduce wear and tear on your car, save on gas, and take advantage of carpool lanes that might make it easier to get to work.

Compare childcare options in your area or try to reduce your existing childcare by a day or two — for instance, look into a nanny-share arrangement, ask for your family’s help or try working a later shift so you can be home during the day.

• Cook large batches of food, freeze for later meals and take some for lunch at work.
• Reduce or stop eating out or getting take-out. Instead, find options to make dining at home more convenient.
• Buy non-perishable items in bulk and use coupons. 

Ask at work about your available options that might reduce your insurance costs, and look into family options if you have one.

Country clubs, gyms, cable, newspapers, and magazines are some of the things that people often sign up to but rarely use. Try canceling any memberships you’re on the fence about, and see if you really miss them.

• Install CFL or LED light bulbs, if you haven’t yet. These bulbs can be four times more energy-efficient than incandescent bulbs and last for many years.
• Install a programmable thermostat so you can optimize its usage.
• Unplug unused electrical devices. 

Look for items you no longer use that may have value, then sell them online. You can then use the money you bring in to pay off debt. 

If you’re paying a large premium in order to have a small deductible, you might want to consider switching that, particularly if your claims are infrequent. Raising your deductible may reduce your annual premiums, easing the monthly strain on your bills.

Research your options. You may save money and maintain your current level of coverage by changing insurance, but give your current service a chance to match quotes.

If you have a large balance on your credit card, call your credit card company and request a rate reduction. If you often pay on time, they may be willing to negotiate, or you can get a 0% balance transfer onto another card.

If you have debts with a high-interest rate, a balance transfer might be a good option and even offer perks such as 0% APR and rewards programs. Ensure you consider the balance transfer fees, and pay down the entire transferred balance during the introductory period if possible.

You’ll save far more if you don’t buy a car or sell it if you already own one but can go without it.