Monthly Expenses

Maybe the best way to tackle monthly expenses is to discuss them. Recently I asked a group online if my expenses seemed in line.  Auto insurance stuck out as something that could be worked on to be lowered.  If you have friends or relatives living in the same area try to compare your expenses.  While you might feel that you are a great negotiator and got the best price you might be wrong.  My husband thinks that our cell phone plan can't be beat.  That might be true but we don't have the best Internet access by a long shot. 
The reality is that a savings of $10 a month can really add up over the years.  Please take the time to look at your expenses and try to compare your expenses either with a competitor or with a neighbor.  Your might be surprised.  Many people switch their cable company every few years.  My oil prices are literally thru the roof.  Each year they seem to be a much bigger financial drain on our finances. 
Good luck with your decisions.  Easy adjustments include things that are not necessary, extra auto insurance, too many unused minutes each month on your cell phone and a land line that includes long distance when you primarily use your cell phone.