To fill you in, Hubby was unemployed for most of 2010. Before his job loss, I thought we were doing laundry fairly cheaply by buying a huge bottle of generic detergent at a warehouse club or Target, washing only on the cold setting, doing only full sized loads, and hanging everything to dry (with the exception of sheets and towels.) While we had begun preparing for the possible loss of his job by boosting our savings and cutting back on 'wants' in the 6 months or so beforehand, we were still unprepared financially for the cut to his income. He was the breadwinner and I am self-employed (i.e. salary can be unpredictable from year to year, or even season to season.) We didn't make a bundle of money to begin with, so our spending and budgets were pretty bare bones to begin with and there was little leftover for savings, or at least, I consider it little (about $300-400/month).