21 Ways to Reduce Your Spending Without Making Your Life Miserable ...

A great technique for college students: if you have several student loans from different sources out there, do some research into student loan consolidation as well as automatic payment plans. ... You may be able to consolidate other debts as well via personal loans or other such mechanisms. Stop by your local credit union and see what they have available for you. Again, a good consolidation simply reduces both your interest rate and your monthly payments, doing nothing ...