I have to start saving money. I want to buy a single family home in two years and I want to be prepared. So I have cut out my mani & pedi every two weeks. I haven’t resorted to cutting them out completely because I enjoy the relaxation of the spa. I have decided that instead of every two weeks I will go every six weeks. At 30-40 dollars a pop I am saving 60-80. Annually spent $780-$1040 for a whopping savings of $510-$680. Now that is the pay off of a small bill. I will soon post about my menu planning to save money tips.