It seems that with the way that the economy is lately, every person is looking to cut costs wherever they can. Some people really need to minimize their monthly expenditures because they simply do not have the available money to pay it, either due to not having a job, as some people are in school while others have become a victim of the financial insecurity and have lost their jobs. This leaves many people with a lot of costs, but not a lot of money coming in as a means to pay those costs.