Friday I spent an hour on the phone with various companies, cutting back my services. One hour, and I cut back enough to save myself almost $60 per month. This is a huge thing for me. But the bottom line here is that I have to sit down and outline all the things I need to do each month, and allot a certain amount of money for them. And I need to look at it from the point of view of someone who may soon be losing the bulk of her income.