If you want to cut expenses in 2013, there may be no better place to start than right at home.

By Terence Loose

“I will save money on monthly expenses.”

“I will not eat ice cream.”

“I will do yoga.”

What do these sentences have in common? That’s right – they’re all New Year’s resolutions that have little chance at being fulfilled.

Hold on – “I will save money on monthly expenses” actually has a chance, thanks to the many ways you could save on everything from your mortgage payments to your cable bill.

In fact, you might be surprised at how much you could save. So eat the ice cream, forget the yoga, but read on to see how you might be able to finally fulfill that New Year’s resolution of saving money.

Cost Cutter #1: Refinance Your Mortgage

We’re guessing that if you’re like most homeowners, your biggest monthly expense is your mortgage payment. So wouldn’t it be nice if you could reduce it by tens, or even hundreds of dollars?

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Five ways homeowners can cut costs in 2013