for you, please read the fine print to eliminate any early termination fees as a result of terminating the contract. Public Transport: The cost will vary depending on which state you live in, but the average increase will be between 5 and 9%.  If you work with people that live close by, consider car pulling and sharing the cost of fuel. How to budget: After spending some time reviewing your current service providers and have found ways of reducing your expenses, now is an ideal time to get the budget finalised. Most people dislike this step because of the end result their budget illustrates. Ensure each reviewed expense is listed and be flexible with some expenses such as items you can really live without if your budget isn't to healthy after the first draft. Bills to Pay are giving you the opportunity to slash 50% off the establishment fee as part of their New Year Resolution campaign.  Visit www.billstopay.com.au for take advantage of this offer.