That cup of coffee you buy every morning may not seem like it's breaking the bank, but have you ever added up how much you're spending on coffee per month or per year? If you're having trouble making your mortgage payments, you should review your budget and re-prioritize your spending. It might seem like you "need" cable or Internet at your home, but what good will these do you when the bank forecloses? Brainstorm ways you can reduce or completely eliminate spending to facilitate making your mortgage and other important payments. If you need a cell phone, consider a pay-as-you-go plan to cut costs. You could even try some eco-conscious changes around your home. After all, the energy you save from compact fluorescent light bulbs or greener HVAC settings will also save you money on your bills. And definitely do away with that morning cup of joe; it might be just what you need to make your full mortgage payment on time.