I have a bicycle, used from craig's list, that is great for trips to the library or milk&bread trips to the grocery..and no gym membership!!! When I needed new washer and dryer, I spent a few extra bucks and used the son's company discount program and got the HE front loads, I dropped my water bill about $40 for 3 months and my gas bill as well. Almost all light bulbs are cfl and dropped the electric bill too!! I've never been a clothing buyer. I hate to spend money on clothes and make them last forever. I will admit that while my AC is turned up to 80 in the daytime, it is 75 at night :oops: I can't sleep otherwise!