The time-vs-money is a good one to think about, and I would frankly encourage anyone and everyone to think about branching out from saving money during their free time to earning money during their free time. If you've got a comfortable 9-5 salaried job, it's actually a great time to start doing stuff "on the side" that you do well and enjoy doing. It may lead to something bigger, or it may never be more than a couple hundred extra bucks in your pocket every now and then. But it gives you options and allows you to focus your penny-pinching strategies on things that are also fun for you.

If you look forward to building your own deck or sewing your own clothes--more power to you! If you can produce results are good as or better than someone else--think about ways you can turn that ambition into doing those things for other people! But if you'd really rather spend your weekend coding a buddy's web site than tamping your own gravel for a new patio or hauling all over God's creation for loss leaders at the grocery store--then like I said, you've got options.