instruction: What are the different ways to save money?
response: There are many ways, but to do a deep analysis, you must first understand where you spend the most money.  
  
  Here are some opportunities to save money 
  -eliminate recurring expenses such as subscriptions
  -refinance expensive loans such as your mortgage
  -reduce unnecessary or luxuries such as an outside coffee
  -use your labor instead of hiring someone to do the work
  -eat at home rather than eating out