We almost never eat out. We shop at Costco/Sam’s and buy things in bulk when on sale. Cook meals with cheaper ingredients (lower protein and limited fresh veg). Buy clothes for adults and kids from Goodwill instead of new. We only have 1 car, the spouse takes the bus to work to avoid 2nd car payment and parking downtown. “Staycations” instead of traveling vacations for last few years. Very selective on which activities and sports our kids participate in because we can’t afford more than 1 per kid at a time. Live a minimalist lifestyle: no shopping outside of holiday gifts except essential replacements for worn-out clothes and kitchen equipment. Save remainder for rainy-day fund such as new tires or broken household appliances.