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I can pretty much guarantee you'll find $100 a month in savings if you scale back on unnecessary expenditures. Pore over your bank and credit-card statements for the past year and weigh each withdrawal or charge. That premium cable package is probably draining $30 or more that could be better used toward your mortgage. Perhaps long walks or runs and some at-home lunges could substitute for the gym membership you barely use anyway. Keep in mind that you won't have to forgo these luxuries permanently—you're simply looking for ways to cover your mortgage until the rates go down again. Right now, that requires homing in on every opportunity to save, big or small. |