I think that I thought I was going out less socially but think that I should have gone in a different direction as the social is a good thing. :-)

I have been considering the cable as I do not feel like I watch it that much and I have it on 3 TV's..... including HBO. But I have not done it....

If you drink fancy coffee like starbucks that adds up quick (or something similar that you upgrade on) and downgrading might be a deductible or close to a visit cost or part of.... etc...

Let us know what you come up with.