It's liberating to have money set aside on the things we have to spend on. For example: dental and dentures. As we age, proffesional dentists become our very best friends in our most biting days in life. We coud pay VISA for the consultation and 'restructuring". With pun, we literally scrounge for more savings to have those $1500 worth of dentures. Gluing wasn't working anymore; they kept breaking. Our hearts kept breaking with self-pity. 1. Spend grocery money only on the food and condiments from what's in th grocery list. We avoid eating out. Homecooked meals are a lot nutritious and cheaper. I use beef tallow (free fats from our local butcher) for frying and cooking: instead of cans and cans of vegetable, canola, cottonseed oils which are rich in carcinogenic transfatty acids. 2. Scout on thrift/secondhand charity stores. I get a lot of good buys and brands there. 3. When buying online. We go to eBay and look out for trusted sellers with 99.9-100% seller-reviews received. We get our money's worth through them. 4. Sell some pre-loved things in Facebook buy-and-sell. You never know how much you de-clutter, at the same time, get money for them. We sold our old/newly refurbished wood heater to a happy customer. Part of that money was used for new set of dentures. 5. Co-own a Jersey cow with your friendly neighbor. There's nothing like a good ol' delicious, nutritious, heathy organic raw milk. Cost: $1.00/liter. The processing, homogenizing, pasteurization of milk caused eczema in my family; therefore more doctor's consultations and steriod-content creams and antihystamine drugs-- then more money spent. I think these simple practices help us so much.