For most of my life I have been merrily skipping down the candy cane lined path in Jannyland where the sun always shines, blue birds fly overhead and money magically appears in my checking account. Not so much anymore as I am afraid the R word has invaded the peaceful happy valley of Jannyland...and it's tickin' me off. After watching my 401k and stock account rapidly dwindle from happy days are here again to oh my God if I retire I will have to live in a Westinghouse box under the overpass I finally decided to become more proactive. So far this month I have canceled the daily paper, had the house phone removed and dropped the premium cable channels.Those three little changes amount to well over $100 a month and have been relatively painless since I read the paper online, work pays for my cell phone and basic cable is included in the monthly HOA fees. I have done the easy ones so now it's time to start looking at the more painful changes that need to be made and I need your help. Tell me what you are doing and if you say nothing don't be surprised if some old fat woman shows up on your doorstep and pinches your head right off our shoulders.