I was reading an article earlier about how to save money on the cost of living. Some of the ideas were pretty good and worth thinking about but others bordered on the ridiculous IMO. One person suggested just simply lowering your standards, ie. bathe less, don`t wash your clothes until they smell, eat less and heat or light your home less, share a bed with someone, get the whole family under the shower together (hell of a squash) buy all gifts secondhand from charity shops, give up meat, dilute shampoo and other toiletries, give up buying cleaning products and just use vinegar instead, put washing up water in a bucket and use it to flush the loo, take your phones, laptops and tablets to a library or other public place and charge them there and so on and so on. Be ready for more smelly people in unwashed clothes and riding that bus around your home town for hours on end.
On a serious note, yep most of us will be tightening our belts one way or another but I draw the line at not showering daily and wearing my clothes until they smell.
One good idea was someone suggesting instead of paying the likes of car insurance, pet insurance, home insurance etc monthly and with interest added on by the companies, apply for a credit card with 0% interest for 12 months, pay all your insurances in one go using that, then pay the card off over 12 months interest free. I guess unless all your insurances are due around the same time, then the timing of such an arrangement might be difficult.