After my post a couple weeks ago about how we paid off our house, I got lots of questions about how we budgeted and what we did to stretttttch a dolla, so I came up with this little list of a few ways we’ve found to save. Andy was a teacher during the time we were intensely paying down debt, and on the first day of his summer vacation one year, he managed to save us $500 per year just by making a few phone calls.
He used the Endorsed Local Provider (ELP) program through Dave Ramsey (which is free!) to compare our car and home insurance rates, and found that in just the couple of years it had been since we bought that insurance, rates had changed and by comparing rates with different companies through our ELP, we saved several hundred dollars per year.
We paid cash with our change jar: We saved in advance for our vacations so the expenses never followed us home and lingered long after our tan lines faded. We buy in bulk: If the economy crashes and food is scarce, my family could probably live for months on just the food I have in my chest freezer. I just made my first batch last month using this recipe (it’s more trial size), and so far I love it! I usually try to look at our reoccurring expenses and see how to streamline them the most to keep things enjoyable but save money when we can.


For impulse or unplanned purchases, we like to wait a while to see if we still want the thing, like a month or so.
It is amazing how little money you spend when you decide to never have fun or do anything, ever. I’m relatively new to couponing and we almost always save at least as much as we pay but getting things for pennies or free is the part that Im struggling to figure out how to do and I just KNOW if it were explained in the VATW way, i’d totally get it!
How I saved $2,000 on my Disney vacation  This was my first article.  Anybody planning on taking a trip to Orlando will want to read these tips. Ok, exaggerating, but you get the idea We already do a lot of these, and I’m excited to add a few more to our money-saving ways.
Since 99% of the shows we watch are available online we decided to save that $80+ each month. We like to calculate how much energy each thing will save and how long it will take to break even on the intial expense, and of course what I mean by that is that Andy likes to calculate it and I am happy to have no part in that process.


Google them, hardly ANY water needed (didn’t even notice spikes in my water bill during the hot months).
But that in its self saves because we never spend more than $290 ($270 is our budget but we will steal up to $20 from eat out or gas when need be) and we don’t let ourselves go back until the next month. If we eat pancakes and eggs 3 nights in a row at the end of the month (hypothetical-can’t remember this happening), we do.
This does mean we eat a lot more produce at the beginning of the month (we tried and failed to garden-we live in the desert) but we are just used to it now.



How to be cheapskate
Self image quotes from the bible
To get energy from stored glycogen