so like most people my mortgage is my largest debt. it is also the only thing i owe on. all of my bills are pretty much as low as i can get them. my mortgage is about 30% of my income, but due to increasing costs of just about everything economically im not able to save(pay myself as dave says). everything i pay is at bare minimum. no extras. what do you do when you cant get more in and cant make less go out?