DH and I have cut back significantly on dining out. I'm staying away from stores other then the grocery store and I'm using the library service a lot more this year. We discontinued our membership in a wine club and disconnected our voicemail and other features on our landline. Still looking for other ways to save.

Raindrop,
I'm from WA state too. My good paying 30+ year corporate job is ending on 12/31. I will begin my encore career in the fitness industry. I am a certified PT, yoga, pilates and Spin instructor. I currently teach about 4 Spin classes/week and will be increasing the number of Spin classes and adding some mat pilates classes. I also want to pick up some private clients. The timing is not the best, but this is something I've been working towards for the past five years.