Willie Sutton is said to have declared that he stole from banks because "that's where the money is." By the same token, when you are trying to stop spending so much money, you want to look at the biggest items in your budget because that is where the biggest savings are likely to be.
For example, for most people, housing consumes the biggest chunk of their paycheck. If you haven't refinanced within the last 12 months, it is probably worth it to check out the latest rates to see if you can drop your monthly mortgage payment even more.
Property taxes are another big ticket item. If you've been reassessed recently, it might be worth it to challenge the higher rate, to see if you might squeeze out some savings here as well.
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