Make a list of all the loans that you are currently paying and find out whether you can consolidate some or all of them. You might consider scaling down to a smaller home or an apartment with a lower monthly payment to provide you with extra cash. However, if you find yourself struggling to meet your housing expenses, splitting those expenses with a roommate may give you the financial freedom you've been looking for. You may be able to save a bundle on your monthly payments and free up substantial cash. Minor changes can make a big difference You may not need to make drastic changes.
Small amounts add up.
Consider which expenses are under your control. Many libraries also offer free passes to museums and other local attractions. Another good source for freebies is the Internet. Simply type the word freebie or free stuff into any search engine, and you'll find everything from free shampoo samples to free or reduced-price magazine subscriptions. Contact a sales office near you.