I use the barter system. I love to use bartering in the form of teaching things like couponing, Knitting, babysitting, cooking, soap making, ect. For things that I was used to when I was working. Such as manicures, date nights, and even home improvements. Our area has a Facebook page for things that are free and even things for sale at yard sale prices. I use that a lot. Creativity is huge. Not everything needs to be from a "magazine prospective". If it works for you....that's really all that matters. Blessing to all.