Use online bill pay with your bank. This will ensure that you keep better track of your money, so that you can check for any incorrect debits and makes sure that you do not suffer any late payment fees or go into overdraft and get charged by your bank. It also saves you on the time and hassle of stamps and paper checks.
      Change your cell phone to pay as you go often times you will find that you have two benefits to this which end up saving you money, first is that you can’t spend too much in one go, so if you accidentally do a call which is costing too much you will get cut off before you can go over budget, second is that you will only pay for what you use, rather than paying for minutes that often times you never end up using
      Check through your phone bills and check if you have any services that you don’t use on there, for example if you don’t text at all then it makes little sense to have 1000 free text every month. Cancel those right away. See if you have any expensive calls that you are regularly making, you can often times change your plan to reflect your usage and save. like a surfeit of text messages or web access or something to that effect.
      Ditch your land line as we have already come to the point that cell phones have replace land lines as the main way to contact us. It may be time to cancel your land line.
      Cancel or cut down cable or satellite channels you don’t use much. Often times people tend to watch a small subset of channels and never deviate from those, so why pay for channels that you are never watching. If its only for the odd movie, then you can get your movie fix from many other sources or even buy the DVD with the money you save.