### Instruction: What are the different ways to save money?
### Response: There are many ways, but to do a deep analysis, you must first understand where you spend the most money.  

Here are some opportunities to save money 
-eliminate recurring expenses such as subscriptions
-refinance expensive loans such as your mortgage
-reduce unnecessary or luxuries such as an outside coffee
-use your labor instead of hiring someone to do the work
-eat at home rather than eating out