If you're having trouble saving money, it's wise to start here. Many of the expenses that we take for granted are far from essential. Eliminating luxury expenses is a great first step to improve your financial situation because this won't impact your quality of life or your ability to perform your work significantly. While it can be difficult to imagine life without a gas-guzzling car and a cable TV subscription, you may be surprised how easy it is to live without these things once you remove them from your life. Below are a just a few easy ways to reduce your luxury expenses:   Unsubscribe from optional television or internet packages. Switch to a thriftier service plan for your phone. Trade in an expensive car for one that is fuel-efficient and cheap to maintain. Sell any electronic gadgets going unused. Buy clothing and home furnishings from thrift stores. For most people, costs related to housing make up the single biggest expense in their budget. Because of this, saving money housing can free up a substantial amount of your income for other important activities, like saving for retirement. While it's not always easy to change your living situation, you'll want to seriously re-examine your housing situation if you're having a hard time balancing your budget.   If you're renting, you may want to try negotiating with your landlord for a cheaper rent. Since most landlords want to avoid the risk that comes with looking for new tenants, you may be able to get a better deal if you have a good history with your landlord. If need to, you may be able to exchange work (like gardening or maintaining the house) for cheaper rent. If you are paying a mortgage, talk to your lender about refinancing your loan. You may be able to negotiate for a better deal if you're in good standing. When refinancing, try to keep the repayment schedule as short as possible. You may also want to consider moving to a cheaper housing market altogether. According to a recent study, the cheapest housing markets in the U.S. are in Detroit,...

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Write a summary of the previous text in Vietnamese:
Cắt giảm chi tiêu xa xỉ khỏi ngân sách. Tìm nhà rẻ hơn. Ăn uống giá rẻ. Giảm năng lượng sử dụng. Dùng cách thức di chuyển rẻ hơn. Vui chơi giải trí với giá rẻ (hoặc miễn phí). Tránh nghiện những thứ đắt tiền.