Me too. I'm on a fixed disability income and my wife works part time. Which is why we took from May to September to pay off our tank on layaway. Most of our tanks were bought used.
Our LFS is great to us, so we buy all our fish at the one store, and all sorts of odds and ends. I cashed in 2000 points when I bought the substrate for our big tank, and those had accumulated since February. Half of course was the big tank.
But when making large purchases I can't throw away hundreds of dollars that I don't need to spend. I can't afford to be THAT loyal to my LFS. This next order will be my second big order from Pets and Ponds.
Local Big A's ARE great to us. They give my son stickers and little gems to drop in our tanks. They all know him by name (originally from us yelling CHARLIE STOP RUNNING) Once when I wanted a Silver Dollar they marked him down on the weekend specials and put him on hold for me until the Sale date came. They always tell us in advance the fish they are getting in.
Well, we're off trick or treating. I'm sitting here in a pirate costume and my son is Darth Vader. Happy Halloween everyone!