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Along with the blossoming flowers, the blazing sunshine and the tinkling bell of the ice cream truck come ideas and plans for celebrating Mother’s Day.

Who doesn’t dream of becoming an instant millionaire? You might even have some detailed plans for how you’d spend an unexpected windfall if it were to happen. Imagine if a distant relative who’d been rolling in the stuff suddenly passed on and left you as their sole heir. Your dreams could now become a reality! Wouldn’t you do anything to make that happen?

Bills are a lot like bad weather. They're going to come anyway, so you might as well not try to fix them, right? For some bills, that's the case. For others, though, you can make a big difference in your monthly budget with a little legwork.