 TITLE: 7 Tips to Help You Recover From Holiday Spending CONTENT: 5\\. Renegotiate Your Monthly Bills\n----------------------------------\nIt's easy to put monthly bills on autopilot—literally, if you set up automatic payments. But many of those bills may be worth a second look. If your credit is good and your job is steady, refinancing your house or car loan may be a money-saving option. Though you'll need great credit to qualify, a balance transfer credit card with a 0% intro APR may help you lower your interest costs—and your monthly credit card bill. Consider switching cable TV, internet or mobile phone providers. Look into ways to save money on home or auto insurance. And consider canceling monthly subscriptions you don't use much. Paring down your monthly expenses can help you recover from holiday spending—and it can also improve your finances over the long term. END