I used to make my own detergent but my super hard water didn't jive. I do the ball with vinegar instead of fabric softener. I actually use a ton of vinegar for laundry, cleaning, in the rinse aid section of my dishwasher. I swear by homemade cleaning products, they work great, are inexpensive and you know exactly what goes in them. I do a lot of homemade beauty stuff too, removers, scrubs, masks etc.
Aside from the other stuff that's been mentioned. Don't go where you spend money. Seriously. Take advantage of cheap entertainment, local productions, fairs, events. Redbox does free, discounted movies all the time. Utilize your library.
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