Since this has drifted back to saving money my I say that some years ago my family neded to make some cuts in our budget.
My wife said - "Right, cancel the papers, the TV, the magazines, the monthly trip to the cinema and a couple of other things for the kids which add up to what you want to save".
No, I said - "That will have an enormous effect on our daily lives and overall lifestyle. Let us cut the biggest single item by 9% which will save the same amount and we will not really notice the difference" So I gave her 9% less for food.