We have a free checking account that is separate from all other accounts. This is our vacation fund.
We stopped going out to dinner (big bucks) and go to lunch or out for pizza instead
We do not buy birthday, anniversary or Christmas presents for each other
Save all change and deposit in vacation account
Luckily we both hate to shop so we don't spend a lot of money on "stuff"
We pay credit cards in full when due but use the ones that give us cash back. This cash goes in the fund.
Dividend checks, tax refunds, etc go in the account
Recently lessened our cable service to save $$$$
Changed Car & Property Insurance Company to save $$$$
Thinking about getting rid of the land line phone and just having cell phones. Not sure about this one. What do you all think about that?