Hmmm... let's see:
- no housecleaner
- no before-school childcare
- no after-school childcare
- no convenience-food meals
- less eating out (we have the time to cook)
- no yard service
- no commuting in rush-hour traffic
- no paying for car maintenance (we have the time now)
- no handymen or contractors (we can learn how to do for ourselves)
- no attitude of "what the heck, I'm exhausted and we need a break" spending
- no "what the heck, I'm exhausted and we've earned it" impulse buying
- no "office fundraising" for the boss' favorite worthy causes
- no "mandatory after-hours office socializing, $25/couple please"
- no drycleaning
- no new office attire
- no shoe maintenance
- no new shoes
- no new socks either
- time to volunteer at the school instead of writing out a check
- time to analyze the family spending habits and stick to what's valuable
- time to shop for food bargains
- time to shop for bargains on everything
- time to analyze the house's energy use and improve the heat transfer
- time to learn how to invest and find the best low-cost funds & stocks
- time to eat healthy & exercise instead of spending money on doctors.
Yeah, I'd have to say that we're spending a LOT less.