Our story goes back to 2002, when my husband was laid off in the last downturn. We were living in a house that was at the top of what we were comfortable paying (though the banks thought we could afford oh so much more!). Fortunately, my husband was able to replace his income within a year by starting his own business, but it was a wake up call and we changed some things. The big things: -we live in a house that is about half of what we can afford and now have no mortage (we sold our more expensive house when we were at the top of our earnings) -we buy gently used cars with cash and drive them forever -we have catastrophic heath insurance and try to keep ourselves as healthy as possible through diet and exercise -we never spent money on preschool or private schools - we homeschool (though not for financial reasons, that's just a bonus) -we enjoy eating out, but we have potlucks with close friends more often. You can have an awesome potluck for what six families would spend eating at a restaurant! -no cable tv, just Netflix. You can watch television shows over the internet or get the DVDs from Netflix. -I purposefully cook to create leftovers. For example, my pot roast on Friday night became pot roast pasta on Saturday, so that stretched our meal over two days and saved us money. -No Starbucks or anything like that. Though like many here, we do spend some of our budget on wine ;). -I make a menu plan and a grocery list and I stick to the list when I shop. No impulse shopping! That'll get you every time. Things we haven't cut back on: -the housekeeper. They come once a week, and that will be one of the last budget items to go. It is a huge help to me as a homeschooler with a toddler, and I also don't want to hurt their business if I don't have to. -quality groceries/ organic. There are somethings I buy that are important to me and I don't mind spending extra on it. For example I prefer to buy Organic Valley dairy products because I prefer their business model to other organic producers that are available to me. -home maintenance. It's more expensive to replace an AC prematurely than to maintain it regularly. -giving. The people who need charity need it even moreso now. We also keep money in the budget for my husband to go on international mission trips, and I'll be doing that again after the baby is a bit older. Good thread!

BIRDS Yes on the cheap bird toys, and saving money on diet, too! :D TOYS: Get a 1 qt. stainless steel bucket (google for it) on the web for less than $5 and it will last forever and go in the dishwasher for cleaning. Hang it where he won't go potty in it, and cross your fingers. 1 qt. is a fine size for an Amazon. The big macaws and such can do a 2 qt. bucket. Just use the SS, no other metal, as other metals can contain zinc, which is toxic to birds. For a little bird like a 'tiel or 'keet, you can use a clean yogurt container, cut vertical slits in the side, and fasten it to the side of the cage with an electrical cable tie. Then fill the bucket with his "used" safe broken toy parts, new toy parts, smooth cleaned beach rocks he can pick up but not swallow (fun to drop on the cage floor for the noise), and SAFE branches, flowers, leaves, and pinecones from the yard. If you don't know which plants and trees are safe for birds, you can google for the info. If it's not nesting season, you can also put in balls of wadded up paper... but don't do that during nesting season. If your bird loves to undo screws with his feet (cockatoos love this), get some stainless steel washers, nuts and screws and thread them through a small block of wood, or some plastic disks. That'll keep 'em busy. They're expensive to buy, but they last forever. At night pick up the toys off the cage floor and wash them (I put the plastic stuff in the dishwasher, but not the wood or rope), then return them in the morning. My birds all LOVE their buckets. I love them because I don't have to string a bunch of stuff. Another toy my birds love: grab a few drinking straws, cinch them in at the "waist" with a cable tie to form a pompom. My 'zon also loves those plastic easter eggs, but watch hard plastic as it can be sharp if broken. You can hide goodies in those plastic eggs, too. I also buy plastic chain at the hardware store and run it through the dishwasher to sterilize. Then I cut fleece in 1/2" to 1" wide strips. Don't make the strips long enough to wrap around a little neck. Thread the fleece through the chain, knot it once, and tie beads, blocks, Mirabella beads and hoops, and bird toy parts on the ends of the strings. It's very colorful, very interesting, and the fleece and chain are indestructible (provided you use heavy enough chain for the bird in question). You can replace the toy parts when they're chewed off. I save a ton of money by going to the bird fairs and buying toy parts there. Never take your bird to those places, and carefully sterilize everything you get there before giving it to your bird. If you have any local parrot stores or breeders, they can probably tell you where and when the shows are, or watch your local newspaper in the classifieds in the Birds For Sale column. If there are no bird fairs in your area, watch eBay and you can pick up bargains there. Again, sterilize everything that might have come from where other birds are. To sterilize things, I use Avicine (google for it), since it's recommended by the top avian disease researcher in the country. There is also a great section called "The Toymaker" at birdsnways.com. But use your head, as there's no guarantee everything there is safe for every bird. I strictly avoid all cotton rope for my 'zon as he gets too into his toys, and he once got his foot caught in it. We were lucky he wasn't hurt. He snaps bird-tanned rawhide immediately in two, so that's no good for him either. But they can't bite the fleece in two, and the fleece doesn't unravel dangerous threads. You can also sometimes find cheap baby toys at the thrift shop, but be careful they're safe, and clean them well. My birds LOVE their buckets! I think it satisfies the need for them to forage as they rummage through the contents trying to get to the bottom. You can switch the toys out to keep it more interesting. One set is being washed, so you use a different set. I swap buckets between my 'zon and RFM, and also between my G2 and TAG. But I don't give the medium sized bird's toys to the big birds or they would destroy them in a heartbeat. I usually soak the dirty toys in the bucket in water for a while, then hand scrub them with a stiff brush. Then I soak them in Avicine water for a few minutes, then rinse thoroughly. I don't soak the toys in Avicine first, as I want them to absorb water, not chemicals. BTW, if you're handy with a saw, you can pick up chunks of 2x4 (pine or fir) free out of a burn heap at a new building site, but ask their permission before you take anything. With wood stuff, you can sterilize it by baking it in an oven at 200 degrees for 1/2 hour -- but double-check me on the temp and time, please, by googling for the info (that's just from my memory). Then cut it into suitable sized chunks and drill holes in it if you want to string it, or just toss it in the bucket. NEVER give them treated lumber, as it will poison them. Or, just buy a 2x4 at the lumber yard. You don't have to dye the wood. FOOD $ SAVINGS: Seeds are not good for birds; but if you sprout the seeds they're one of the most nutritious foods in the world. Invest in a decent sprouter (I love my EasySprouter). Learn safe sprouting methods. If you only feed organic, there are mixes you can buy on the web. If you can't afford organic, there are lots of safe things in a good health food market bulk department that will sprout -- ask the clerk. You can sprout lentils from the grocery store (very cheap). You can sprout pigeon mix from the feed store (my birds get these every night). That is very inexpensive! You can sprout parrot seed, but it's expensive and it often contains other junk you have to pick out like dried fruit, nuts, and pellets -- no good. Feed the sprouts when the tails are still just teensy nubbins, don't let them grow long. That's the optimal nutrition, and the longer the tails, the more bitter the sprout. The birds just snap the tails off and drop them anyway. Birds LOVE sprouts -- that's mostly the way they eat seeds in the wild, if they can. Of course, they need fruits and other veggies, too, so shop for bargains. Do feed organic if you can; otherwise wash very well and peel most stuff (they peel their own grapes). And your 'zon needs the equivalent (in size) of two peanuts (out of the shell) in nuts per day. More than that can give him fatty liver disease. I vary which kind of nut my birds get every day -- all UNsalted and preferably raw. You can sprout raw nuts, too. Just soak them over night and rinse well. They don't grow tails. Macaws need more nuts than other birds. My RFM (mid sized macaw at 1 lb and 2' long) gets about 6 nuts a night. Almonds, btw, are loaded with calcium, which Greys need. If you're nervous about sprouting, just soak your seeds overnight in hot (bath temp) tap water. Then drain them in the morning, rinse well and refrigerate. That is vastly better for your bird than seeds that aren't sprouted. The old farmers used to always soak their chicken feed in a bucket overnight. They knew! On diet, your bird also needs a wee bit of cooked egg or meat every other day or so. My 'zon gets 1/2 HB egg. I slice and dice fruits and veggies for my birds every morning. They get sprouts and frozen veggies at night... plus anything healthy and not salted that I'm eating. I thaw frozen mixed veggies in a strainer run under hot tap water for a few seconds. Don't nuke their food. Forget the dairy, as they're not mammals -- but a wee bit of yogurt every few days is okay. I also sprinkle just a wee bit of powdered health food store vitamins over their breakfast each day, just to make sure they're getting their nutrition -- you know, the kelp, barleygrass, powdered carrots, etc. type mixtures. Like lightly "salting" their food with the vitamins. Remember, variety is the ticket to good nutrition, and it's better to pay the grocery store than the vet (and cheaper). A good vet will tell you that about 90% of a bird's longevity is in good nutrition and in cleanliness. I hope this helps the bird owners out there. :D

What a great subject for discussion! I can see the "evolution" too. When cars were much simpler we did a lot more shade tree mechanics than today. We've done all our own home remodeling, built a 3-car garage and everything that goes along with the effort. We added a lot of value to our home when we sold it without paying for labor. Back then, we actually enjoyed doing these things, but now we look for qualified professionals for many of the things we once did ourselves - for a lot of reasons. I'm not going to shingle a roof anymore and cars are way too complicated for us to mess with. This is money well spent in our eyes. Being thrifty, saving money and seeking out value isn't simply about budgeting, although that is part of it. I honestly believe it's a character trait. That trait, in practice, means you often defer gratification because you look into the future, not just think of "the moment". For instance, once we had a paid-for used car, back when we were first married, we realized if we continued to put that same amount (or more) away in the bank, the next time we purchased a car we would have the money and would save a lot of $$$ by not getting a loan for it. A good lesson on paying yourself FIRST. Most people pull out the credit card for a vacation and perhaps pay it off just in time to charge Christmas on it - we saved and paid for the vacation to the debit card account first, and then took the paid-for vacation. We've never put Christmas on a credit card - we've always saved for it. Set a budget, found bargains long before the first Christmas music has been played in the stores, and am ready to enjoy the "season" by the time Thanksgiving has arrived. I'm always amazed by people who can't seem to remember Christmas is December 25th -- EVERY YEAR -- and how it sneaks up on them... I think my depression and WWII era parents instilled the value of avoiding debt, waste not - want not, ideology. I remember them saving dollar bills and change in a canning jar to buy a refrigerator rather than putting it on payments. That was a valuable lesson. Neighbors who bought savings bonds every month so they could retire in comfort - and they did. Our big deal, if I had to name the top one, is to avoid debt. It's not just about bargain hunting or getting a great deal. What have we gained by avoiding debt? We have more freedom to do things we find important, but can also pay for them without sacrificing all that we've worked for. From AESOP, " The Ant and the Grasshopper": "It is thrifty to prepare today for the wants of tomorrow." -Grainlady

Car with standard transmission uses about 5 - possibly 10% less fuel. Skilfully done, car drivers can save even more. When you see a traffic signal turn yellow ahead - there's no law that says that you have to keep your foot continuing to push on the throttle! Then hit the brake, about a hundred feet from the intersection. Foot off of the throttle: coast toward the light. If you know it fairly well, you may be able to arrange to arrive close to the last car in the line just as it starts to move forward, and it takes less fuel to increase the speed while rolling that to start rolling from a standing stop. I often push in the clutch and turn off the ignition when I see a light go yellow ahead ... and can often manage to keep the car rolling as I approach a red light when it turns to green. Some say that coasting with the engine off is illegal in their jurisdiction, so best check with the legal people before you try that: the police here say that I am to be in charge of my vehicle at all times. No jack-rabbit starts when the light turns green, either. Try to arrange to travel with a friend driving a car that tells immediate fuel economy levels, get him to make a jack-rabbit start from a light that just turned green - and see your jaw drop as you see what mileage per gallon is being obtained at that point. Try to drive as closely as possible to the same speed, and a few miles/kms. per hour under the speed limit ... but not so far under as to be a hazard to the free flow of traffic. That's made easier by leaving a cushion of space between you and the car ahead ... and try not to get too incensed when other drivers pull into that hole in your lane, stealing your cushion. ole joyful