While people tend to think there’s no way to lower fixed expenses, such as mortgage payments, insurance premiums and more, with a bit of effort and research, most of these costs can be reduced. Here are five ways to trim your fixed expenses.

If you’re always wondering how you’re going to pay the next bill, feel guilty when you indulge in overpriced treats and you can’t seem to find money to put into savings, then you probably need a budget. Learn how to create one here.

“Buy today with no money down and zero interest!” You’ve seen the ads when shopping for new furniture, appliances and more. It sounds like a fantastic deal — but is it really? Read about financing a large purchase here.