You reach into your pocket and pull out that forgotten twenty dollar bill.  Found money. . . We all love it!  Did you know you may have some right in front of you?  Here are some great ways to have an extra twenty or more every month.  First, do it yourself.  Take the mower for a quick trip around the yard yourself or have your kids do it instead of a yard man.  Second, negotiate.  Don’t just pay your monthly bills…look at them!  Then, shop around.  Contact your cable, insurance, or credit card provider and negotiate based on their competitor’s offers. For more tips on hidden monthly savings, try these 50 ways to save money and review these quick ways to cut your budget.