Step 6: lower your monthly bills

reduce expenses further to accelerate your mortgage paydown

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

	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 Living Costs food shopping - general groceries - clothing costs - baby care / feeding costs
	Lower Your Family Care Costs insurance needs - medical visits - vet expenses - medications - care facilities
	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