by Todd Adams
After studying personal finance and budgeting strategies, I noticed that a lot of the advice out there relied on people being able to make long-term adjustments to their lifestyles, like downgrading to a smaller house, or selling their car. While these are great ideas, they aren't very helpful for people who need ways to change their financial footprint immediately. So, I decided to pull together a report that will give you some concrete ways to start cutting costs TODAY. In this short...