Ironically the best way to reduce these long term is to invest in various products short term. However, the long term savings are very much worth it.
Heating Bills
Debt and Loans
College
Kids: use contraception. Oh, the money you'll save.
Rent
Cooling Bills
Electricity
Gas or Commute
Water
Trash Pick-Up
Sewer
Cell Phone
Internet
Cable: Don't have it. You don't need it. Use the library.
Medical Care
Clothing, Sundry Goods and General Gear