7. put it all your money. Never use your coins to pay for the transaction, but only tabungkan all into savings. Thus, you will be "forced" to save money. I know, save in the savings seem like a small child, but until now I believe that the savings can help, and "force" you save money. How this can be as effective for people of all ages.
8. Think for additional revenue. Why do not you try to run a side business? If during the time you and your husband to work, then try to run the business side. If the business has become big soon and be able to give a sizeable income, you and your husband will have an alternative to work and do business together, or perhaps even a total of 100% in the business. Who knows?