<br> <br> <br> <br> Mortgage Payments - A lot of people spend around a third of our income on rent or mortgage commission. If you are a renter then I am afraid a common option here is to for you to a cheaper place. If you happen to lucky enough to own your own home you may need to look into your mortgage. Nowadays refinancing a mortgage loan is quite straight forward and for those who have not looked over it recently and loan rates have moved you could find a deal with lower month by month installmets and maybe even pay your mortgage off faster.<br> <br>