How a Family of Four Manages to Live Well on Just $14,000 Per Year - Yahoo! Finance She stopped eating out and learned how to cook. Everything in the home is either hand-sewn and or made from scratch. The family swapped cable for Netflix and Hulu. She goes to the grocery store once per month, pays cash, and never goes over budget. They are a cash-only household but keep a credit card for emergencies. They fill up their tanks once per month and combine errands as much as possible. They paid for both of their cars in cash and have no car payments. She skips all kiddie snacks in favor of healthier, cheaper DIY options. If she can freeze food, she will. She uses a food co-op to save on fresh produce. They took advantage of Nevada's declining housing market to score a cheap foreclosure.