SLIDE 6: lower your monthly bills

Lower your monthly bills to build more discretionary income

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

	Lower Your Monthly Housing Costs mortgage refinancing - rent - taxes - utilities - home repairs, cooling
	Lower Your Family Living Costs food shopping - general groceries - clothing costs - baby care / feeding costs
	Lower Your Transportation Costs auto loan refinancing - auto insurance - fuel costs - repairs - transportation use
	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