I have been trying to cut expenses, so that I may save a little more money. My husband and I plan to retire with in the next ten years. We are hoping that the stock market recovers in that time and while we are hoping that happens we are still contributing in the market just not with the same gusto as before. We are trying very hard to pay down both of our mortgages before that time and build a bit of savings. As mentioned earlier I have been looking for ways to cut my expenses and a few of the ways I have been able to were to: cut phone service from a line that wasn't really used too often,cut the gym membership, cut paying for my daughters savings and IRA and also cutting the amount invested every month in my sharebuilder account. With the amount that is now left over from not paying these bills every month it is all going to my outstanding balances on my credit card accounts. Once I have hit 0 with the balances that money will then go to savings. I should have the credit cards paid off by April or May.