Start by trying to use less heating and air conditioning. Change your thermostat by one degree and see if it works. Check with your energy company for ideas on conservation. Most are anxious to see us use less energy and some even offer rebates and special plans. Along the same lines, pay attention to where you buy gas for the car.
Prices vary widely.
If you have a balance on a high-balance credit card, look into switching to a lower interest card. Ads for low interest credit cards are all over the web. Look into them. They impose huge penalties and higher rates if you are even one day late. If credit cards are a problem for you, stop using them.