Trim the fat off your finances!

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Cutting costs at home

Consumers are looking for ways to cut expenses, save more or both. Here's some bottom-line help for spending less and saving more.

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Lower monthly payments . . .
Inspect your mortgage and save money
	Periodic inspections are a good idea -- here's how to look "under the hood" of your mortgage -- you may be able to get rid of PMI or refinance to lower your monthly payment.

Refinance your car and reap rewards!
	With rates at or near historic lows, auto refinancing can put enough money in your pocket to make it worth the hassle.

	Buffeted by complaints about rising fees, more banks are offering free accounts. CHART: Free checking accounts in top U.S. markets

Reduce your debts . . .
Beat the credit card debt game
	Sure-fire strategies for unloading the most loathsome of debts. Pick an approach and do it! PLUS: How to avoid extra fees when transferring credit card balances. AND: Balance transfer worksheet

Save more . . .
Create a 'spending plan'
	Forget "budgeting"-- develop a "spending plan" to get what you want.

Cheap is chic
	Twenty-five ways to cut corners without living a reduced-price life. PLUS: Readers share 20 of their money-saving strategies.


	-- Posted: Oct. 19, 2001

See Also

•	Refinancing -- get it while it's hot
•	8 ways to consolidate debt
•	Anxiety over bills can harm health

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Don't get trapped by card debt. Learn to use it wisely.