Right now just like many individuals around the world I am going through some monetary hard times. Thanks to cutbacks at my work, I’m down to working four days per week for the next six months, which essentially amounts to a 20 % pay cut. I don’t make a lot of money and barely get by anyway, so I don’t have a lot of money put into savings to help me get through the downturn. So I’m going to have to go over my entire household budget tried trim out any avoidable expenses or over expenditures that I see. A good place for me to start I believe is by receiving a bunch of different car insurance quotes from multiple sources, as the premiums I am paying now are pretty high.