Your bills aren't set in stone! That's right, you can pay LESS! Shop around for the things you have an option to change - insurance, phone, cable/satellite, etc.
Example: I decided to shop for a new satellite provider. I found Dish was a LOT cheaper than DirecTV (our current provider), so I switched! Not only am I getting the exact same programming for $30 cheaper a month - but they are also having a promotion where I will save $50 a month for the next 6 months!
So I will save $480 in the next year - and lose NOTHING!