Next to the dollars that you spend on your home, the dollars you spend on your vehicle are the largest. As a result, a 10-20% savings in your monthly vehicle costs can go a longer way then cutting out your daily morning muffin.

Here are three reasons why you may want to consider getting out of your car lease.

If your lease is one or two years old, then chances are you got it when times were much better. As a result, it's likely that you bought more car than you can presently afford. The good news is that you are not alone. It is now possible for many people to swap out of an expensive monthly car lease and into a car lease that would involve lower monthly payments and without any down payment.

So if you leased that flashy, foreign sports car with the belief that you would impress your clients with how successful you are; you can now turn around and lease a more modest domestic and model to show your clients how clever you are. And I am aware of at least one website that is devoted to helping people do just that.

Secondly, if the car you leased is a flashy, foreign sports car or a big honking domestic SUV, it is likely that you've noticed an increase in your fuel expenses over the last few months.

As we all know by now, the price of gas is largely determined by supply and demand. And in a world where the known supply of oil and gas is only going down; and the demand for both oil and gas-not only from North America but also from places like China and India-is going up, it is a dead certainty that fuel costs will continue to rise at the current ridiculous rates.

Getting out of your car lease is your opportunity to switch into a more fuel-efficient model. Imagine filling up your car and then having to pay as “little” as $40. If this thought has put you in a state of weepy nostalgia, then chances are you're paying way too much for fuel.

Finally, whether you're driving a sporty, little foreign number or a honking, big domestic model, it is likely that you are paying a premium for it in your monthly car insurance. Here again getting out of your current car lease could free up some extra cash.

Obviously, you have to look at these arguments within the context of your own car lease. And if at the end of your examination you find that you are much better off getting out of your car lease, then there are any number of services and websites that will help you do so.