scott, $500 should't be that hard to save up in a year.
1. no coffee, drink hot water
2. byo lunch - rice and beans is great
3. no eating out - slow cook home meals using bulk groceries. if you pay utilities, get a pressure cooker
4. no buying ammo - shoot .22lrs in bulk packs
5. iron at home, no dry cleaning
1) Knowbody, and I mean knowbody would be able to be around me without my morning coffee, I'm just a mean, nasty individual without caffine in the a.m. Besides, I drink on the cheap, no Starbucks, etc...I'm in charge of the coffee pool at work, and everyone else usually funds it.
2) Already brown bagging it, been doing it for years. Not 5 days a week, but I now have to due to her school.
3) That's already gone too.
4) One of my plans in place. Just got a Walther P22 and a Supressor on the way, already paid for. Although I do have a lot of .30-06 for the Garands, so I will get to feel some recoil while I'm living on the cheap.
5) My ironing is the Kenmore dryer. I have 4 kids, 8 to 17. The washer and dryer never stop running, and there is no time for ironing.
Basically, our family income is dropping from $140,000 to about $60,000 and we have to support 4 kids, 4 cars and insurance, mortgage,powerbills for a household this size. What is lost in income is being made up in student loans, and even if I could squeek out $500 somehow, I would feel pretty bad buying a new "must have toy" but borrowing $500 and paying interest on it for how many years, just to make me happy?
When the wife is done (CRNA, certified registered nurse anestheologist) the family income will almost triple, so I can wait. Well, I think I can wait!
But thanks for the suggestions. I'm still thinking of what I can do as far as liquidating some hobbies.