When it comes to reining in spending, you might find it hard to realize further gains after picking the low hanging fruit in your financial outgo (i.e. discretionary spending). However, your monthly expenses (utilities, mortgage payments, etc) has more wriggle room than you might give them credit for. Below, we will show that saving money on your monthly bills is not the impossible task that you’ve made it out to be in the past… Upgrade your current windows to save on heating In places like Western Canada, the potential savings from installing proper windows can be enormous, as winters in…