With my husband having problems getting a solid paying job (job market in Ohio is awful, especially for law enforcement - way more candidates than positions), we're incredibly stingy on everything. I recently picked up a part time job delivering pizza (they pay for half my gas, so it's not too hateful) and am forgoing at least a few quarters at a state college to take my general credits at a far less expensive community college before returning to the 'big' school to finish out my degree. We don't eat out more than once a week, and when we do we try to order the less expensive items and share entrees. We've pretty much parked his SUV because we can share my sedan most times (there are a few times our work/class schedules conflict and he drives his car to work) and I've started using a lot of 'hypermiling' techniques while driving (my car hasn't seen 3000 rpm's in the past 3 days) which has netted me several extra mpgs. I have a secondary car that's currently out of commission with a dead fuel pump, once I get it up and running (it a coupe and gets better gas mileage than my sedan) I'll actually be swapping the auto transmission out for a manual, which will boost my mileage by about 15% alone, and use it for delivery. We're trying to use my tip money to buy equipment (after we take care of fixing all problems on our cars and a couple other things we want to purchase) and my hourly wage for savings.
As far as diving, the largest and best quarries are out of the question other than maybe once or twice, as they're about 5 hours round trip. However, there are several smaller sites that if we carpool to, are only an hour away and can be done as a very cheap weekend trip. There won't be any tropical travel for us this summer, but we're hoping to take a cruise over the winter months (when they're cheaper!) that will provide travel, lodging, and food and carry us to several good Caribbean locations for diving. The shore excursion dive trips include air fills and rental equipment and are looking to be reasonably priced. The only worry is figuring out how to get to the dock cheaply! If we grab one out of New York, we can get round trip plane tickets at a reasonable rate, or even drive because it's much closer than Florida.