And reading through it, I just had to share one of the first idea I came across to and mention it.
"3. Identify Needs and WantsThis idea is nothing new to me. I have been thinking about it, but it is hard to apply at many times. Needs and wants are totally two different things and I know I need discernment as I step in to the stores I go to to keep up with our materials at home. And many times I get tempted to think that good deals are needs when they might be just wants.
Take a look at your list of books, materials and supplies and decide which items are needs and which items are wants. For example, you may want an expensive vocabulary program when all you really need is a dictionary. You may want a complete home library when all you really need is a library card. Spend money on your needs first. Then, use remaining funds on your wants, in order of importance." (Free copy of 101-ways-to-save money on Homeschooling by Carletta Sanders)