When you're trying to cut costs, don't overlook recurring, essential expenses like bills. Medical bills are some of the easiest to negotiate. You could be able to adjust the price or set up a payment plan. When you call to lower a bill, make sure you understand the new terms and payment schedule. When you're trying to curb spending, some of the biggest cost-cutting mistakes you can make are overlooking recurring expenses and only focusing on small expenses. Really, you need to look at...

More people are doing the 'low-buy year' challenge, which focuses on reducing non-essential expenses. If you find a low-buy year daunting, there are alternative strategies that work just as well. You can commit to reducing expenses on a smaller scale or focus on savings goals, instead. Posts about people implementing a "low-buy year" may be popping up all over your social media. "The general definition, I'd say, of 'low buy' is bringing down those nonessential areas. So that, generally, in...

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