For several years, American consumers’ finances have been squeezed by surging housing costs, climbing grocery bills, and costs for insurance, utilities and child care that have increased faster than wages. Since 1976, Consumers’ Checkbook’s research has found that most families spend more than necessary, often because marketplaces are designed to make overpaying easy and comparison shopping hard. Ready to make some changes and start saving? Here are 20 ways to do it.