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Coach
1. Use less electricity or find cheaper electricity(solar panels)
2. Price shop AT&T, Verizon, T-Mobile
3. Same as two, just geico, State Farm, etc. insurance can be cheaper when bundled but not always.
Simple Mobile is absolutely wonderful and runs on the T-Mobile line. My family does the $50 truly unlimited plan for 5 and we pay ~$150/month for unlimited talk text data + 5GB hotspot. I tend to be the one who has better service than my friends as well.
See if your company offers discounts. I know mine bundle auto and home together for a big discount