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Buy Powdered Milk in Bulk mix up 1/2 gallon of it and then mix that with 1/2 gallon of whole milk. Makes you 1 gallon of milk for just pennies more that the 1/2 gallon cost. It makes whole milk taste more like 2%, but if you use milk a lot to cook this will save you lots. Milk is expensive! I bet if you put your mix into an old gallon milk jug your family would never know the difference.
I know just what you mean. I am currently without income and am just obsessed with our budget, cutting and saving where I can. My husband has a decent job, but it does not cover all of our bills, so I have to get creative. I take it as a challenge - to make nutritious food that our 3 kids will eat. My food budget is $200 per month, and it seems to be going pretty well. We do garden/freeze, which helps and I cook everything from scratch. I realize I was wasting a lot before, not knowing. It really is important to stick to a list, make a price book, shop the sales, and plan ahead. I used to just buy whatever and make meals from that, but I never really knew what I had already in my pantry. Cutting back on meat saves a bunch too. I just made a whole chicken yesterday and used every bit of it - the drippings made a delicious gravy, and the bones I boiled for stock to make soup this week. I consider THIS my job now, and I sort of enjoy rising to the challenge. Good luck to you and I hope you share any tips you discover!