Money-Saving Hints

Sue says their thriftiness began 11 years ago when she and Brett first moved to Florida on a teacher's salary. "We had goals," she says. "We wanted to own a home, we wanted to have a big family—and we knew we had to set our priorities to make that work."

The ride hasn't been all smooth sailing, and Sue says they incurred some credit card debt along the way. "But I'm very happy to say, and proud to say, that we're paying it back at nearly three times the minimum balance," she says.

Although they've had to cut back in certain areas, Sue says their thrifty ways haven't curbed their lifestyle one bit. "We go to the beach once a week, we go bike riding with the kids, we do all kinds of fun things," she says. "There are second-run movie theaters; there are a lot of ways to have fun without spending money."

"It's an alternative to living beyond our means, really," Brett says. "Instead of spending too much money on things, we just make choices."