We do not consider ourselves extravagant. We have never taken a vacation, very rarely buy clothes (dh and I wear hand-me-downs from our parents - LOL), seldom eat out, and so forth. Yet, we have been living beyond our means for quite some time. I believe the main leak is in our grocery budget. I also have a weakness for splurging on books and educational games/toys for the kids (even though we use the public library often).
I bought The Complete Tightwad Gazette today, and find that helpful. I started a ledger (actually just a stenographers notebook which I drew some lines on) to track expenses, and a price book to use while grocery shopping. I am also going back to making my own baby wipes (since I run a daycare, I use a BUNCH). It's a small start.
My goal is to spend $250 per month on groceries and household stuff, plus what I spend on food for daycare participants (which is largely reimbursed by the USDA federal child nutrition program).
Thanks for letting me come on board! BTW, I used to post on PP a few years ago, and UGH - I do *not* like this new format. LOL.