Tips to Reduce Expenses Described Elsewhere in This Book

Important ways to save on expenses are described throughout this book, including:

• ● Lowering your mortgage payments (Chapter 17);
• ● Lowering your student loan payments (Chapter 13);
• ● Lowering your real estate taxes (Chapter 19);
• ● Lowering your costs for heat, electricity, telephone, and the internet (Chapter 15);
• ● Avoiding high cost loans and scams that prey on those in debt (Chapter 7);
• ● Reducing the size of fines, fees, and other criminal justice debt (Chapter 22);
• ● Delaying payment of low priority debts (Chapters 1, 11, and 12);
• ● Paying income taxes in installments (Chapter 23).