If your adjustable-rate mortgage payments are going up, here's how to find some extra money:

• Eat breakfast at home.
• Buy a 12-pack of sodas and a box of microwave popcorn at the grocery store and take them to work instead of hitting the vending machine.
• Lower your cable bill by canceling premium movie channels you hardly ever watch.
• Stop paying for online services you don't use, such as commercial-free radio or unlimited electronic greeting cards.
• Sell your car or truck and get something more affordable. If you're driving a $30,000 pickup or sport-utility vehicle that gets less than 20 miles per gallon you can not only reduce your monthly payments, but spend less on gas and insurance, too.