Generate a full detail guide on cutting the 'Big Three' household expenses to accelerate debt payoff. The guide must be filled with high-impact, actionable advice. It should include: 1. A detailed section on reducing housing costs. 2. A detailed section on cutting transportation costs. 3. A detailed section on slashing your food and grocery budget without sacrificing health. For each category, provide at least 5 distinct strategies. Please include a supportive disclaimer.