General And Administrative Leverage

You're going through your monthly budget to find ways to cut spending. You decide to clip coupons, and negotiate a new rate for your auto loan. You decide to stop going to Starbucks for coffee every morning and (while holding your nose) switch to McDonald's coffee.

Now, months later, you and your spouse decide to move in together. When you merge households, costs are cut down even more, because now you aren’t paying rent, or utilities on two separate places.