When you think of finding money in your home, you probably think of those pennies and dimes that find their way under the cushions of your couch. or perhaps you think of the hideous painting your uncle left you that's sure to be worth millions at an auction.

But the real trick to finding money in your house is to understand how to reduce your monthly mortgage payment (which is probably your largest financial obligation each month) and/or tap your equity. The following sections explain the process from top to bottom. If you don't own a home, you may want to move on and find out what's involved in buying a new-to-you house instead.