I've been a fan of cutting costs like lower cost provider for cell phones, paying cash for used cell phones instead of brand-new costs, etc. but beyond that the

I've been a fan of cutting costs like lower cost provider for cell phones, paying cash for used cell phones instead of brand-new costs, etc. but beyond that the only real cost cutting that is left is house and cars. Cost cutting with cars should be straightforward - downsize/eliminate or just pay them off and maintain them and use them for a decade. The only cost cutting with a house is moving to a lower cost of living area or smaller/less costly house. If you have that kind of money saved now, pay off the mortgage, you'll likely save thousands of dollars in interest.