@Linkat,
I'm goo
d with a buck-- I also have a part-time job in addition to my full-time job and so I'm able to put some into savings too. I don't have a TV or a computer at home not only because of the expense, but because I don't want the distraction! I get all my books from the Public Library, bring and make my own coffee at work...well, you get the idea.
I've done flexible spending for years, it really helps. The consolation to the 67% health care increase is how cheap the Yoga classes are: $57 for four months, unlimited. That is
wickedcheap and makes me happy.