It happens to all of us.  We make that list of expenses and the total amount exceeds our income.  What to do!  Here are some of my favorite tips: Eliminate the unnecessary.  Find those items on the list like gym memberships or other subscription services.  Anything that you don’t use regularly or really look forward to receiving should be canceled. Seek out lower cost options for your “Needs”.  Try bundling services for discounts.  Many cable companies offer discounts for combined cell phone, land line, internet and television.  You can also get great discounts on your insurance by getting multiple policies with one company.  I have been with…