<prompt> Human: First off, a big THANK YOU to PF in general. Browsing this subreddit has helped me think in a more intelligent financial light!My SO and I are planning on starting a family, and weve been looking at ways to cut costs without losing quality. As such, we looked at everything and I mean everything on our budget to see where we could save a little money. Heres some of the bigger ones weve saved on so far: Refinanced the house Rates from Oct. 2016. I saw people on PF kept mentioning how rates were at an all time low and decided to look into it. We went from 4.125 on our mortgage loan to 3.375 Could have been 3.25 if we had been more decisive 3 days sooner. Refinance overall cost us about 5K. Its saving us about 40K over the life of the loan! Our monthly payments are lower too. We however were always paying more monthly, and have kept paying that amount to get this payed off early Health insurance: When we got married, my SO added me to their policy, and when open enrollment came I said we should check out the options. My SO was paying 120month for one person on Blue Shield without ever questioning it. We are now both on Kaiser same coverage for the same total price. two for the price of one! Car insurance: Once again, my SO didnt shop around. I added them to my policy and dropped their monthly cost 100month note: we also started carpooling so my SOs car is not a commuter car. Had it remained a commuter, the saving would still have been 40month. Also, apparently insurance is slightly cheaper if youre married Mine went down 60year before SO was even added to the plan, when I called to change my name. Phones: We and several trusted friends are on Tmobiles family plan. Unlimited everything with no throttling unless you meet insane unlikely circumstances, 28phonemonth. We were previously paying 35 and 50 each respectively. Not a huge difference for us, but I cant believe how much some PFers are paying when I read other posts in the 100-200 range is crazy to me! Home Owners Insurance : I literally just did this one today . Saw USAA mentioned as being affordable in an old reddit thread!, checked the price and its savings us 461year to switch! This is for both home and earthquake, and better coverage. I still have some calls to make about flood insurance. Pest control: Called and got it down 4 . Ok, this is not a big savings per-se, but they did it without a fight! More money in my pocket! And I might still shop around some more. But were concerned with keeping quality because ANTS. Internet : We have options in our area, I know not everyone does I hope Google fiber comes here some day.... Called them, and told them to give us a better price or were switching Youll be directed to customer retention. Our bill is 59month for 100 Mbps. It is a contract for 2 years, but we can get out of it for 4remaining month easily worth it to not pay the 95 we were at and can be renewed if we call a month before end of contract. Cash rewards cardsor travel, whatever floats your boat: We put everything we can on these cards unless the fee to pay with card exceeds the rewards cash. If theres a fee, this is usually the case, but actually our auto insurance fee is worth using the card!. Were projected to have around 1,200 in cash rewards this year we use every card to its full advantage, Costco, Double Cash, Amex preferred, Discover revolving, Amazon card.. It sounds like a lot, but it really isnt use the Costco one 75 of the time for purchases we actually have to think about. Etc: The list really does go on. Google STORE coupon whenever you buy something online or in person. Call any monthly services you have and ask for a better rate. Always ask for a raise bring good reasons why when reviews comes up. Keep an eye out for better positions closer to home, pays better, more benefits, etc.. Our monthly costs are down about 962 from all of this and Im not quite done. This shit adds up!  <response>: Another great way to save in the ETC category is by abandoning your cart. Select the things you want to buy. Get 90 of the way through checkout. Leave. Most companies with half a clue send you an abandoned cart email within 48 hours for free shipping or 10 off. 