It's not a secret that times are tight right now. With that being the case you probably want to find ways to save some money. One of the easiest ways to do that is to cancel your subscription to Sky TV. It might sound like a hardship to get rid of your TV programming like that, but it's really not. You can watch TV on the Internet and a lot of people are doing that now because it doesn't cost anything for most of the programming. You can also watch DVDs that you've already got and you can find other things to occupy your time so you don't spend any time wondering what you're missing by not having Sky TV. Pretty soon you'll find out that you didn't need TV in the first place and you'll be enjoying all of the new things that you're doing with your free time.
You also might want to consider selling your car. Some people can do just fine without a car at all, but if you can't you can certainly sell your car and get a cheaper one. That way you won't have the car payment. You'll also pay less for insurance, which will help you save more money or use the money that you do have for other things. It can be a little bit more difficult to sell your car because you aren't the only one having money troubles, but there are always people who have the money to buy things, and if you price your car fairly and realistically it will sell. Then you'll be free to look for a car that still meets your needs but that you don't have to spend as much on. If you get a smaller car you'll probably have less of a fuel expense, too, which can be very important - especially if you have a long commute.
A more drastic measure when times are very hard is to sell your house and rent it back. That way you get to stay in your house but you don't have the mortgage payment, you won't lose your home to foreclosure, and you don't have taxes or insurance to pay anymore. You just make a rent payment and you're all set. It's not for everyone, but it can really help you if you're in dire straits with money and in danger of losing your home to foreclosure.
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