Posted by Nelle,
I am in a situation at the moment where I really need to cut down on some of my expenses but I really do not know what to cut down on. There are many things that I could choose to cut down on that some people would probably see as luxuries but the truth is that when you are used to having something, then it probably isn’t a luxury in your own head. In my mind I want to cut down or cut out some of insurance cover I have on things. I seem to have insurance on everything from the building I live in and it’s contents to my body and my pets, my mobile phone and about six other things. Yet, I have never made a claim. It just seems like a waste of good money to me.