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

• Eat breakfast at home. Or at least skip that pricey morning latte. This is the most-often-repeated advice for saving money, because it works. Save $2 a day, $14 a week, $56 a month.

• Pull that lawnmower out of the shed. Having your yard manicured by a landscaping service is great, but mowing it yourself is not only less costly, but good exercise. Ditto for spreading a little fertilizer and crabgrass killer.
• 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.
• Plan your grocery shopping more carefully. Figuring out what you're going to eat and what you need to buy before you go to the store can make a huge difference in what you spend. Combine that with coupon-clipping and you can save big.

• 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.

Here are dozens of other money-saving ideas guaranteed to cut your cost of living.