A few moments surfing the web and on the phone this week, will save our family $1,116.00 a year. We lowered our rates on our car insurance by half with the same amount of coverage and we switched our phone service to Vonage keeping our same phone number and with the same benefits which saved us 75% on our regular monthly phone bill. Guess what we are going to do with the savings?? What do you do to save money on your monthly bills??