Obviously, non-programmers haven't and can't do this. For those of us with programming experience, though, have you ever simply created your own software or programs in order to save some money? Perhaps you needed a simple program or app that cost a few bucks that you didn't want to pay, or perhaps the available options didn't have a feature that you absolutely needed. The great thing about knowing your programming languages is that you can always work around your issues by creating a solution. I know friends that have designed entire programs to suit their needs and saved tons of money in the process.