While I am not knocking careful coupon use..be careful not to get in the trap of feeling like you HAVE to use a coupon because you spent time and money on ink to print them out. I have found that most of the time, generic is still cheaper, or, I don't want to be buying all the processed food anyway nor driving to 15 different locations. Your time = money..so does the gas and wear and tear on your car.
Buy what is on sale and KNOW what a good deal is. Use discount stores like Grocery Outlets, Entenmann's bakery Outlet, etc.
Know where your money wasters are. Do you HAVE to use really expensive razors? What hobbies or addictions can you let go? Starbuck's, smoking, yada yada.
Firsts things first..we buy $2500or less cars. We never buy new cars. Our insurance is $14 a month, our registration like $65. When something does go wrong, which is rare, we can fix it ourselves..it usually is not that hard and when you have to hire someone else, old cars are cheaper to fix. This is the biggest money saver right here. People are always amazed how good our older cars look but if you watch, you can find really well kept cars for so little money.
We don't need multiple cell phones, we don't need cable, we pay $10 for netflix, that is where we watch movies. We don't need manicures and pedicures every two weeks, better half does not have expensive hobbies, nor do I..WE are each other's hobby. We grow what we can veggie wise.
We eat more simply..5 ingredients or less most of the time. Set a dollar amount per meal and stick with it for the most part. Oatmeal, eggs, etc for breakfast, keeping breakfast under 50¢ a person. Leftovers always get eaten at lunch time. We homeschool 3 teens so they clean out what needs to go.
I bake a lot of our own bread and my 3 teens prefer the homemade pizza to the bought.
Find mom and pop places that are fun to eat at that have larger portions that you and better half can split. We love hitting those types of places in town and we have found many where it will only cost like $12 for us to go out together AND we still bring food home for one lunch.
On a side note, we have been in the antique business for about 13 years. We hit hundreds of sales monthly. Unless garage sale hopping is fun, it usually isn't worth it to most people becuase you end up buying stuff you don't need..but thrift stores etc are great for clothes. Just the other day I got 6 American Eagle, Hillfiger, Polo shirts for $4 for the kids - all like new. I haven't walked into a dept store and bought clothes in I don't know how long.
The first and foremost is to ask yourself where the largest chunks of money are going. Keeping these but being happy about saving 50¢ on a coupon ultimately means nothing. Then once you fix those leaking holes of things you really don't need...start working backwards to the other decisions that will affect your income the most, with as little time spent.
As for the work market, thousands of people are without work and looking for something to do at home..it starts with re evaluating what one spends..that can produce hundreds right there.
While
ebay can be great...know what the fees are..know what the shipping is..the better half has been a silver level power seller for years. We don't even waste out time on items that don't give us at least a $50 profit margin..our time is worth more than that and when you add up everything, you can easily break even..VALUE YOUR TIME!