Like most everyone, we've been cutting corners as well. I've been going to those discount grocery stores and only getting what I need for a weeks worth of meals and 90% of what I get is the generic brand. Usually the generic is cheaper even if you have a coupon for name brand. Furnace is set at 68 during the day and 65 at night. I never use the washer/dryer until I get a full load. If I've only worn my clothes for a few hours and they're still clean I save them to wear again. I reuse my bath towels twice. (it's not like they're dirty!) I don't turn on lights until it gets dark. I'll try to do my errands all in one day but with 2 kids... well... I run them around a lot. I do my best. It's hard though. My dog's shots are a year late, my tires are bald and I can't do anything about it because I don't have to money. It's a blessing that taxes are coming up.