Those, choke most people. How's the food budget? Is that a place that money can be saved? There's bills, that just no matter what, are rather concrete, rent/mortgage, insurance, electric/heat, phone, etc.

Cars, are an iffy place, to try and save. Having a vehicle, you own, can save money, monthly. Shopping around for car insurance rates, can help tremendously. Didn't realize what a rip off mine was, until recently, when I shopped around.

Food, is a place most don't realize, how much they can cut back, until you are in a pinch. Don't buy into some of the 'deal's' until reading the price per unit prices. Scratch cooking, can save.