When money is tight and you aren't able to stick to your monthly budget, it might be time to reevaluate your bills and expenses.

Think thrift when you are looking through your bills to find expenses that you can trim down such as extra minutes on your mobile phone package. Call all of your credit cards and try to renegotiate a lower interest rate, or ask when you might be eligible to do so. If you are a household with more than one car you can get insurance quotes for multiple cars that will usually get you a lower rate than what you are paying right now.

Another way to save on your monthly bills is to bundle together any services that you have which are offered by a single company rather than ordering services separately from a variety of different companies. Life insurance services can sometimes be bundled together with car insurance, homeowners insurance, and/or renters insurance; and you can usually find telecom services offered in bundles along with cable or satellite services.

If you feel like you are on a tight budget, be sure to take a look at all of your monthly bills so that you can take stock of all of the things you are spending money on. You might notice some of your budget is being spent on frivolous items or leaking out of your wallet without your knowledge. Keep an eye on hidden fees and rising rates that are creeping into your budget so you can make the most of the money that you have.