<prompt> Human: Happy New Year rpersonalfinance! 32Ffully employed here.I decided to save myself 130month by changing two things. For my car insurance, I went from paying 102month with Progressive to paying 70month with Geico for the same exact coverage. Additionally, I decided to quit a monthly yoga studio membership for 99month for an at-home, free yoga practice thanks, Youtube!With the extra cash, I will be paying down one of my two credit cards the other one I pay off in full each month. Hopefully, I will have that paid off by June! On a side note, Im also excited to pay off a debt consolidation loan this September. I have been paying off this 20,000 loan for the past four years. The end is in sight and honestly, I never thought I would get to his point.Heres to a debt-free 2018!  <response>: Wow 15 minutes saved you 15 or more on car insurance 