So I'm sitting here Sunday morning thinking of my upcoming finances for the month with a new baby on the way in 2 1/2 months....and its crunch time as far as killing off my debts and trimming the fat with monthly expenses to drum up some extra savings. Figured this could be a cool community thread with ideas on how to save each month on things like food, utilities, ammo, gas, etc. As of now, I drew up an Excel spreadsheet to log EVERY single expense I incur every month....and my income...to see how I can widen the profit margin. Ive already spotted a few things that can produce savings like planning meals ahead of time each week...instead of getting the normal food cache and sort of "winging it" for meals each day. 1) Basic, healthy meals that consist of chicken, rice, and veggies that when bought in bulk can be pretty cheap. Im gonna join up Sam's Club soon and take advantage of the bulk discounts there 2) I also recently had my insurance agent check to see if we qualify for any lower rates and sure enough....we were eligible for a lower rate that chopped $600 a year off without losing coverage! 3) Last project I tackled around the house was replacing every single bulb with energy saving CFL bulbs. That will pay for itself by next year. I also added a new layer of insulation in my attic because it gets cold up here in PA. I noticed our boiler was kicking on less...and with todays oil prices thats huge! 4) Also just found out about a member benefit program at my job that made me eligible for a 15% group discount with AT&T my cell phone provider. The little things add up. 5) Decided to only hit the range twice a month, and use half the ammo I used to. I used to go every other weekend and burn through like 200-250 rounds with various pistols. Now, Ill go just once or twice a month and use half the ammo. I never spent the time to literally log down every single expense each month...I suggest doing this so you know exactly what your allowance is each month. Obviously, we all come from different financial backgrounds on here but MOST of us could benefit from smart budgeting, specially in these times. Anyone got any good nuggets to share?