Me and my husband have been cutting back with our spending.. With things like eating out. We always kept our business phone forwarded to his cell. Which up our need for more minutes. Our local phone provider just started offer a internet only plan.Which alone saves us $110.00 a month. And another 30.00 for no longer taking Credit cards. Moved the big computers to the house in our slow months. So the saved us another $1100.00 a year. Now we are looking into cheap auto insurance rate. Something that we can still have good coverage. But lower out bottom line. We’ll be reading ratings and blogs. To make sure if we have a claim we are protected.