#3) Dust Off Your Negotiation Skills
Debt and obligations take up a large chunk of the average American family’s monthly income. You should be doing everything you can to find out what you can do to save money on those obligations. Make a list of all your debts including mortgage, car loans, student loans, personal loans, medical bills, credit card debt, etc, Then, dust off those negotiation skills and call everyone you owe money to each month and ask about the options you have regarding your monthly payments.