I said to my son this evening: Using cloth diapers was the start of your education fund.
He scoffed, but then asked, "How long are kids in diapers?" I gave him the bad news, especially for boys, and multiplied by the two children in our family.
Four total diaper years X the $700/year that plastic diapers cost.
$2800 total or $1400 per child.
Not a bad beginning.
Unlike many writers on frugality, who recommend saving on the big stuff, I think savings accrue from a zillion little decisions.
Do you agree? If so, what were your most effective little decisions?