A loaf of whole wheat bread costs us about $4 at a grocery store, maybe $3.50 at Costco. With two small kids, we go through two loaves a week. Assuming we shop at Costco (we do), that's $364 per year on bread.
Enter the breadmaker.
We modified one of the recipes in the manual to make a nice honey wheat with a 2:1 bread flour to whole wheat flour ratio. The only ingredients are flour, water, honey, butter, salt, and yeast. It's delicious.
Bread flour is about $8 for a 25 lb bag at Costco.
Buy a jar of yeast at the grocery store, a 5 lb bag of whole wheat, and the normal honey and butter you have around the house. Set the timer and you have a fresh baked loaf of bread in the morning at a fraction of the cost.
As an added bonus, it makes super easy pizza dough for family dinner on Sundays, again at a fraction of the cost of ordering pizza.
Saving $300 per year may not seem like much, but little things like this add up. That's $300 extra to be invested, producing an extra $20-30 in annual income.