Christina is correct, you can change car insurance at anytime.
Contact the National Association (of/for) Banking and Insurance, they will direct you to cheaper insurance with better coverage. Considering your driving record or if you have had accidents.
On the web, www.(your states initials)dobi.org
Phone, Consumer hotline at 1-800-446-7476
Consider how much you are paying for mobile phone services!
There are hefty charges for canceling contracts, but everything IS negotiable!
Check out plans for combination services, phone/internet/direct tv.

Don't go to the food store with a credit card! Debit cards are a better choice or cash with coupons. Example, Tide laundry detergent 39 loads for $6.00. With a manufactures coupon of $2.00 off and a 4 amount limit. I pay $4.00 for a 40 load bottle.
Or I can get 160 loads for 12 dollars!
Buy gasoline with cash, gas cards are gimmicks.
Look at your credit cards interest rates and pay 90% of the highest ones, don't close these accounts
topics.bloomberg.com/interest-rates/‎

When going to the food store don't have the mindset, I have a budget )
Go in with the intent of how much you are saving.
For a rainy day fund/ or open a vault box at your bank in a your name only, that way there are no arguments!
If you can shave 20 a week at the food store, at the end of the year that's $960.00 almost $1,000 dollars.
Remember retail sales are a fools game.
Buy one get 2nd 50% off is not a sale, buy one get one free is a sale.
Know the retail game.
Coin jars work for me, at the end of the year I usually have $300 for my garden and flowers.
Do what you enjoy and consider opening a non profit to sake of sharing what gives you joy with others.
Consider investments for your future.
Hope some of this helps,
H.
Do what makes you happy, just be smart about it.