2) Cable TV. Look at your cable bill. Cut back to basic, or cut it off completely if you can handle it.
What – NO TV?!?!? Yah, I know. Here’s some ways to help you find your fix: Get a Free-to-air-Antenna, Watch movies free Online (Hulu), or go to the library and check out VHS/DVD movies.
(Tip: For Hulu – consider ways to connect your computer to the big-screen TV – but also review your internet download limits.)
3) Cell-phone. Can you scale back on your options? If necessary, cancel the contract - pay the cancellation fee ($200~ish?) and save the expensive monthly cell plan ($100+/month). Remember this furlough is for up to 6 month. So $-200 up front and save $600 down the road.
…Consider a cheap basic pre-paid no-contract phone such as (TracFone, Straight-Talk, Net10).
I bought my (two) basic phones outright ($50-$80/each) and then buy the minutes as you need them. Total upfront $150-200 (total for both phones + 1200 minutes included for each) and I spend a total of $17 per month for 2 phones using the TracFone Family Value Plan. Search eBay for ‘TracFone Triple 1200’.
Note: I am not a heavy phone user, and NO – it’s not the coolest phone. BUT IT’S NEW, IT WORKS, AND IT SAVES MONEY.
4) Home Phone. If you don’t use the home phone much, consider cutting the home phone. Lots of people cut the home phone and go completely with cell-phone only.
Or keep the home phone and get the lowest cost (local only) option. Cut the long-distance carrier, and use the cell-phone for long-distance.
Combine your connectivity costs. 3 of your bullets out of 13 deal with connectivity. Get rid of your cell phones altogether. (From what I understand it's possible to get out of a cell phone contract.) Sign up for the least expensive cable plan and start using one of the VOIP services like Vonage, OOMA or even MajcJack. In the mean time, best wishes and hopes to anyone facing this kind of thing right now. There's no dishonor in tightening your finances.