Here are a few things that have helped to live on less and find money to pay off debt.1. Costco or Sam Club phone card and cancel long distance.2. Sell stuff you don't need (declutter your home) at consignment stores, eBay and garage sales.3. Don't buy clothing for one year.4. Make gifts5. Cook from scratch and make a menu and list for what you need.6. Wash in cold7. Use half the soap for everything (clothes, dishes, shampoo, toothpaste)8. Buy generic9. Turn the heat down and wear a sweater10. Turn the water off when you brush your teeth11. Time your showers to 5 minutes12. Put a filled with water mason jar in the toilet tank13. Decrease your garbage can or pick up and recycle more14. Take aluminum cans in for cash15. Increase the deductibles on your car and home16. Plant a garden17. Hang your clothes to dry18. Use vinegar in water to clean floors and a bleach solution in a spray bottle to clean the bathrooms.19. Entertainment can be free or close to it. The library, beach, park.20. Evaluate your habits. Smoking, drinks, new books, movies...all cost $.L
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