In this article for The Simple Dollar, Trent Hamm targets energy, water, car, mortgage/rent, internet, insurance and cell phone/telephone payments and gives specifics on how to lower each monthly bill.  Insurance costs drop if you increase your deductible. Reduce phone costs by using Skype, lowering usage and ditching the landline.  Save on energy bills with programmable thermostats, timers and energy-efficient lighting.   To read more click here.