I haven&#39;t had time to read all the back posts, but did see the question about bulk buying clubs.  We are members of CostCo and it is extremely cost effective for us.  Prescriptions are much cheaper - I have one that Safeway was charging me &#036;111 for and when I checked at CostCo, it came out to &#036;13.  Insurance does not cover that one, so a savings of almost &#036;100 a month for us, just on that one med.  Also, you cannot beat CostCo&#39;s cakes - they are the best I have ever had and at &#036;16 for a 1/2 sheet cake - another extremely cost effective savings.  Greg will only drink Starbucks and I buy the Starbucks coffee beans there at about 1/2 of what I would pay elsewhere.  Joey, you will be using MUCH more laundry soap, so buying that in bulk will help.  We get back our yearly membership with just one prescription there, so it is a godsend to us...we also buy a lot of electronics there at considerable savings.