OK - in the interests of the credit crunch - what are your tips for saving/scaling down?

[lisalisa]

It is ridiculous really. Althgouh I have had a salary cut of 200% I still earn ok money and dh earns fairly well.

We cannot however make ends meet and after paying all the bills and the mortgage have nothing left!

i am looking to make some pretty serious economy cuts but how? We already do value shopping at tesco and never buy own brand or finest. We hvae already largely reassessed our utility bills and appear to be wiht the cheapest supplier.

The biggest drains are the mortgage ( rates due to go down again soon so could imporve slightly) and school fees ( we have 5 kids). They go to a faith school which is technically privaet although doesn't cost a fortune.

So how have you scaled down?

Only a small saving, but could Dc's take veg instead of fruit? Mine like carrot, cucumber, celery, which is cheaper than fruit and if they don't eat it, it comes home in reasonable condition, so can be either used in dinner, or sent again following day, unlike fuit which is often squashed to death.