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POPSReduce Your Monthly Spending those are 40 ways and i couldn't list them all, such as: Move to a less expensive area Reduce or eliminate consumable habits (smoking, alcohol, etc.) Reduce grooming expenses Strongly reduce or eliminate clothes shopping Reduce (temporarily) your giving at church/synagogue/etc. Eliminate services (housecleaning, landscaping, etc.) Reduce or eliminate organized child activities Move to a less-expensive child care option Reduce or eliminate your cell phone bill and what to do with insurance. in fact, i've cut my own hair, even though i had a girl who could do it for free, but i broke up with her.