The $10,000 makeover

What happens when a middle-class family decides to mend its big-spending ways? Savings soar - and so does personal enjoyment.

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Published in MoneySense in March 2000

I've never had any difficulty earning a living. In fact, I've been gainfully employed since my first job at 12, when I picked cherries all summer for 75 cents a six-quart basket. Making money hasn't been a problem, but keeping it has been.

Money has a way of slipping through my fingers like a wet fish. Despite periodic resolutions to get a firmer grip on our household finances, my husband and I spent years without making any progress toward that goal.

At least not until we found a way to save an extra $10,000 a year out of our take-home household income without dramatically changing our family's standard of living.

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