With a family, I cannot sacrifice much because it affects the kids, too. So I cannot skimp on back-to-school shopping for them, trips to take them on, groceries or much else. So I just save and save... and then I STILL usually spend most of the money on the kids instead! I saved up $1500 and just spent it on airfare for the family vacation because I couldn't justify spending that money on a bag when it could buy my kids an experience instead.