Step 6: Lower Your Monthly Bills

You can build more discretionary income by lowering your current bills. Use our tips below for suggestions:

(links to our money management center at SayEducate.com)

Lower Your Monthly Housing Costs
mortgage refinancing - rent - taxes - utilities - home repairs, cooling
Lower Your Transportation Costs
auto loan refinancing - auto insurance - fuel costs - repairs - transportation use
Lower Your Family Care Costs
insurance needs - medical visits - vet expenses - medications - care facilities
Lower Your Family Living Costs
food shopping - general groceries - clothing costs - baby care / feeding costs
Lower Your Recreation - Entertainment Costs
cutting recreation costs - dining in - personal movie house - vacation costs
Manage Your Debt Obligations
credit card payments - student loans - personal loans - charitable donations
Manage and Grow Your Income
career plans - back to school plans - small business opportunities
Setting Up a Savings Plan
personal savings - college savings - saving for a home - retirement savings

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