As promised, I considered all your money-saving advice (from all two of you)....

Question: Do you eat out or have a coffee habit? Do you have a soft drink habit? Smokes? Magazines? Books?

Answer: We eat out maybe once a week. I believe in not living a life of deprivation so my monthly spending plan includes an "eating out" category with $255 in it.

I don't have a coffee or soft drink habit. I don't smoke. And all my books, magazines and DVDs come from the library.

Question: Do you keep a record of what you spend? It's quite surprising when you see it in black and white - your areas of waste show up quite clearly.
And don't forget to check out the bigger areas - like getting a better deal on insurance, comparing power providers etc.

Answer: I am an active participant in a 12-step program for compulsive debtors (DA). And, as a result, religiously record every time I spend. And, I haven't forgotten to check on the bigger areas. I'm getting a great deal on insurance and I only have one choice for power in my area.

Any other ideas?