Money may not be everything in life, but it sure is important if you want to eat, keep a roof over your head, and get around town. Unfortunately, there are times when bills suddenly pile up, or your income takes a dip, and you wind up flat broke.

Hopefully it’s only a temporary circumstance, but until it resolves, you need to cut spending down to a bare minimum. Here are innovative ways to do that in a hurry.

This one might seem obvious, but a lot of people don’t think about it. Your physical mailbox is probably crammed full of mailers and coupon books. Of course, the coupons might not be for things you want, or for places you actually shop.

If you go online to the right websites, you can find coupons that you’re more likely to use. Even better, most sites have smartphone apps that use your phone’s GPS to deliver coupons on the spot. Also, be sure to use money-saving promo codes whenever you can, which are coupons exclusively for online shopping. To see the best places to find deals online go to http://bit.ly/1TQot4X.

When you’re facing a mountain of bills, your first thought is how you’re possibly going to pay them. As painful as it may be, scan them closely and see where you might be overcharged.

Some companies love to shovel in extra fees that most people don’t question. Even your bank could be taking money out of your already-low bank account in maintenance and service fees. If you’re not sure what fees to look for, go to http://bit.ly/236rNwt.

Call these companies and find out why you’re being charged what you are, and politely ask how to get the fees dropped. You might be surprised how much you can save. Even if it’s only a few dollars here or there, every little bit helps.

There’s a terrific website to help you connect with customer service representatives called GetHuman.com. For most companies, they tell you approximate hold times as well as the exact numbers to enter at the prompt to reach a living breathing human being. Nice.

You could be shelling out over $100 a month for your cellular service. When you’re in a pinch, you don’t want to cancel because you need your phone. Plus, if you’re on a contract you have to pay a termination fee, and then later an activation fee to get your plan back.

Try cutting back on services. You might find that you don’t need as much data per month as you think. In fact, find out how much data you really need, and don’t forget you can also get apps that help you save data too. If you’re not sure how much data you really need, there’s a helpful tool at http://bit.ly/1UhcUXD.

If you’re in a real pinch, you can still use that phone on Wi-Fi along with a free service like Skype for calls and texts without a cellphone plan. Remember, a smartphone without any plan can be used to call 911 in an emergency.

Your Internet bill might be one of your biggest money drains outside of a house or car payment. You can spend hundreds of dollars a month for your Internet and TV, and you might not have to.

If you just want to save money without changing your services, talk to your provider about waiving equipment fees or other charges. Learn 3 secrets to dramatically lower your cable bill at http://bit.ly/1VVBMFM.

You’ll also want to take a hard look at the Internet you’re paying for. You might not be using as much as you think, which means you can drop to a less expensive plan without worry. To figure out how much bandwidth you really need, go to http://bit.ly/1rhZJuo.

Sure enough, as soon as you’re out of money, your computer is going to get in on the act. It might slow way down or start glitching. Don’t rush out and replace your computer. Find out how to speed up your computer, fix freezes and solve other big PC problems by yourself.

If you have an older computer, replace Windows entirely with a faster free operating system like Chrome OS. It works like a charm and breathes new life into old gear. To learn how, go to http://bit.ly/1YTIGco.

When you’re out of money, trimming your expenses isn’t the only action to take. There are also easy ways to make extra money, or start a new career. Plus, there are great apps that help you track your money, so you’ll know where every penny is going. For more helpful resources, go to http://bit.ly/1YTIGco.

Kim Komando hosts a radio show heard at 94.3 WSC News Radio noon-3 p.m. Sundays.