Re: What have you done this year that has saved the most money?
Started contributing again to a retirement plan - DH puts aside 5% (I think) of his paycheck, and the company matches 3%, IIRC. This has been our biggest money saving step this year.
Smaller things that come to mind include downgrading our Netflix subscription so that we're paying about $11 instead of $19, and using the dryer MUCH less.
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