REDUCE SPENDING:

AUTO

1. Carpool or use public transportation.
   
   
2. Plan your days so fewer car trips are necessary.
   
   
3. Try to survive on one car.
   
   
4. Inexpensive car maintenance such as an oil change every 3,000 miles, and
   regular tune-ups may help avoid costly major repairs.
   
   
5. Inflate tires to proper level to reduce wear and rotate tires regularly.
   
   
6. Evaluate and cut auto insurance costs by comparison shopping for higher deductibles, and discounts on automatic seat belts, air bags, and theft devices.
   
7. Keep one deductible amount in the savings account in case you have an accident.