We have free supply of wood from a tree company that dumps the tree cuttings in our property. We invested in a wood burning heater and log splitter which were not cheap, but it has lowered our bills during the winter. I also managed to sell the excess wood we have when people stop by offering X amount for Y amount of wood; I take whatever offer knowing supply always gets replenished.
We’ve also maxed out our home insurance deductible to the point we’re “insuring” ourselves for catastrophic events. We came with this decision based on our emergency funds stash. Should there be any damages that need to be repaired that is less than our deductible, we know we can take care of it. Right now, DH does minor repairs here and there to prevent serious damages. It seems costly at times but we’re of the mindset that it’s going to be way more expensive if we don’t make the necessary repairs now.