Shave a Bundle off Your Yearly Expenses -- Savings Experiment

It's the same story every month: Once you've written out that fat check for your mortgage, made your car payment, and shelled out big bucks for countless other bills, there's scant left over for savings or life's little extras.

It's time to re-think where your money's going.

Here are painless ways to cut down on the costs that eat into your discretionary income and can help you save a bundle off your yearly expenses.