I do the CASH ONLY thing....even when i buy on line ..i use the walmart prepaid visa card...you can only buy it in 50 or 100 buck amounts..so you only have a certain amount to spend.
i dont drink. vacations are short weekend trips(cant go on long trips for various reasons other than aquariums).
i dont make impulse buys(90% of the time)
keep care payments down to only one at a time.(and almost always its the wife who gets the new car)
wife has a job that requires MANDATORY overtime (taking care of severely mentaly diabled people if her relief dosent show up she just can't go home)
iam retired so i dont have to pay for day care for the kids( i had kids late in life)
i buy my every day fish supplies/foods on line ...i buy a years supply at one time..i buy my dry goods ie salt, carbon, chemicals, media, flake foods all at one time for the year ...one shipping charge...then i buy all my frozen foods for the year in one order with only one shipping charge....i save aprox $2,000.00 a year over buying the stuff locally. now i do buy stuff at the lfs when needed (when i cant wait on shipping time) and small stuff that the shipping would make it more than buying it locally..