So many monthly expenses we have no real control over. Heat, electric, gasoline, car payments. But you can easily make a dent in your spending by reviewing anything that is automatically taken out of your bank account (or better, charged to your cashback credit card) every month. Do you really watch Starz tv channel? Do you actually go to the fitness club? What regular expenditures do you have that you could live without? A $9.99 savings a month is $120 a year! Look over your "subscriptions" and try living without some for a few months. You can always sign up again!