Recommendations:
--You can get away with waste disposal by placing it with your neighbors' garbage afterhours. (Unless you mean this as a sewer bill, then you are stuck with it.)
--Put extra cash toward debt; it sucks the life out of you and combines with inflation to sting you at a stronger rate than the interest rate you pay.
--Get rid of your credit card or never carry (emergencies only). If you cannot afford to pay cash, don't buy the object (or woman
) of your desires.
--Ditch cable. The Internet allows you to watch your favorite shows (download torrents one week later) and view them without interruption.