Take time cut out all unnecessary expenses- eating out, processed food, pop etc etc so many unhealthy things that we don't need. Also cooking at home from scratch is so cheap to do. It's sad all the money we waste. My wife use to drive to her job daily a hour away. She makes good money and I did the math on what It actually costs for car fuel oil changes etc. Every 5 years she had to donate one full year just for transportation to get to that said job. I will be home not to cut firewood and keep house warm so a little heat bill. Have time not to find ways to save and invest. I have no expensive hobbies so that's a plus