We are retired and two years ago out income dropped dramatically so I had to make some adjustmesnts to our spending. I started getting DH meds at the VA and saved a bundle on medications as we did not have a good insurance in that dept. I called a few ins. agents about car insurance and got a cheaper rate to the tune of $500. less a year. We only eat out on special occasions, birthday, anniversary etc. I cook from scratch and do not buy perpared foods. Canceled all the extras on my phone bill such as caller ID, call waiting,long distance etc. Went on a fabric moritoriam and sewed only from my stash, which incidently is most gone now so its time to hit the sales and get some.When I do go grocery shopping I check the sales ads first and have a list with me No spur of the moment buying for me. Thats all I can think of right now but it all adds up.