I agree with much of the below list, and to further comment....
1) Tools - I completely wired the cat5 phone system in my house when built in 1999, saving me $3,500...for which I had to buy $100 worth of tools. I do my own car maintenance, my own woodworking, my own basic electrical, etc. I know not everyone can learn all these things...but even for example caulking gun saved me $200 last year versus calling a plumber. This has saved me more each year than all the other items below combined.
2) Newspaper - can find many used items
3) Hire teens to do work around the yard, freeing me up to work a 2nd job earning an even higher wage
4) Offer to buy "damaged" items at stores. For example, I got 3 4x8 sheets of plywood at Lowes for a 40% discount because they had 1" of the edge damaged. Sometimes you have to look for these items...they tend to pull them off the shelves.
5) Look for different ways to solve problems. For example, I had camel crickets at one of my rentals. Everyone told me to buy chemical X to get rid of them...but I did research and found that they like dark, damp places OUTSIDE the house...so I eliminated some rubbish piles and uncovered the basement window well coverings...and 3 weeks later they were gone.
6) If you're FIREd, buy one good car and one "jalopy". When you both go somewhere together, take the good car...but when you just need something to go get your orajel for a toothache and the DW is at bridge club, take the jalopy....it sometimes doesn't make sense to have two "nice" cars when you're usually together (assuming you are...as we are).
7) Negotiate - For example, I get the NFL Sunday Ticket each year on DirectTV. They normally charge about $400 on an "auto renewal" package. So every year I cancel it after the season...then I call them every week in about June/July and ask if they are running any specials. I've gotten it for no more than $300 each of the past 7 years...and I usually get free movie channels for 3 months also. Just be cautious on this one...usually they tell you on the movie channels that if you don't call back to cancel them before a certain date...they will begin billing you for them...so I set this as an appointment on my calendar and call them a week before...and cancel.
Here's my list:
- Ooma for practically free ($3.50/month) home phone service.
- Good antenna for picking up free HD digital TV.
- Tivo to record the free TV; yes this has a small cost, but much cheaper than cable.
- Streaming device (e.g. Roku, PS3 with Playon, etc) for streaming hulu, Netflix, etc.
- Equipment to do own lawn maintenance.
- Tools to maintain cars, house, etc. However, you'll need to know when to call in a pro.
- OBDII scan tool to pull car engine diagnostic codes.
- French press coffee pot and tea kettle for cheap, great coffee.
- Thermal leak detector to determine where extra caulking and installation are necessary.
- Device for measuring electrical use (vampire electric loads).
- CFL light bulbs.
- Programmable thermostat.
- Equipment for making your own beer or wine (never tried this...)
- Whole house fan.