The wifes pregnant so we had to get in to a budget with her going on maternity leave. Some of things we did to cut back spending are as follows (other than the obvious):
1. Looked at every bill and see how we can save. We shopped around for better house & auto insurance, found better rates for gas and electricity, cell phone plans were reduced, we got a better rate with Shaw, found a better package for our banking services, and even use less water. Monthly savings ~ $175
2. We did an early renewal on our mortgage and lowered our interest rate. Monthly savings ~ $250
3. Do our own oil changes. Saved ~ $200 every 6 months
4. Put film insulation over windows to save on heating costs. Saved ~ $20 month (just a guess but with the winter we just had, our bills were a lot lower than last years).
Hope that helps!
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