If you have a cell phone do away with your house land-line phone. If you have No cell phone, but are paying for Cable Internet Service consider a VOIP service like MagicJack. There are also several no contract cellphone on the market that might just offer you the communications you need at a much lower price.
Refinance your home for a lower rate, or extended the loan period.
Go to basic cable only or over-the-air broadcast digital TV. New Digital TV offers more channels than standard broadcast TV did in the past.
If you are carrying a balance on your credit cards, call your credit card providers and renegotiate a lower interest rate with them. You can do this easier, faster and cheaper than through one of the credit services advertised on TV.
Increase both your home owners and auto insurance deductibles. The higher the deductible the lower the premium you pay. Consider Liability only insurance on older cars, check with your insurance agent for advice.
Cancel newspapers (go to the library to read the paper, or do so online).
Adjust your thermostat to save money. In the winter lower the temp, especially at night when sleeping. In the winter raise the settings.
Change your furnace filter every 30 days, or buy the extended 90 day filters and look for sales. For example: I purchased some 20×30 high efficiency filters for my furnace which takes a 16×20 size filter that were on closeout for $5.00 each. I use one half for 90 days then flip it for another 90 days. I get six months of high efficiency filter use for less than a dollar a month. Believe me it cuts costs for heating and AC.
Utilize Walmart price matching policy when shopping and use coupons.
If your Internet provider has different pricing packages for speed, consider going to a slower speed package to save money.
Look at bundling all cell phone, house phone lines, cable and Internet services.
Utilize the Gas and Electric companies monthly average bill payment (level payment plan), free service.
Look at the Resource assistance programs if needed. This is no time to be prideful.
Always look at receiving competitive quotes for services to leverage for lower payments.
Shop at ALDI stores. They offer great prices on many food staples.