Times are tough financially, and many people are finding that they just aren’t making enough to stretch their funds from one payday to the next. Here are a few steps you can take at home to start reducing your expenses, along with things you can do when you discover that you just aren’t going to have enough to cover the rent. Start by calling the phone, cable and internet companies to see if they can help you save money on services. You may be able to bundle services, or they might have some special discounts you didn’t know about. It may only save a small amount every month, but remember that those savings add up. Avoid paying late fees and other heavy fines whenever possible. If you get a speeding ticket and won’t have the money to pay the fine in time, then consider taking out a California pay day advance to avoid the extra legal fees. Payday loans can also help you save money if you are going to be late paying the rent or other bills. Sell what you don’t need, want or love. If you look around your home closely, you may find all manner of items that you simply don’t want anymore. Put them up for sale and pocket the extra cash. Tuck it in a jar for a rainy day. Finally, take stock of your regular habits. You have a gym membership, but how often do you use it? Are you eating out all the time because you never have food in the house? It costs far less to make a healthy meal at home than it does to eat out. With some smart changes, you can essentially give yourself a raise by reducing your regular expenses.