9. Treat yourself
You’re saving a boatload of cash on travel and accommodations, so why not spring for some luxury services normally reserved for the 1 percent? Drop off your laundry for wash-and-fold service. Take a vacation from meal planning, prep, and cleanup by hiring a personal chef, such as Boston-based chef Lester Esser, whose pricing starts at $250 plus the cost of groceries for four to five complete meals for two (617-512-5114, lesteresser.com ). Or, make couple of small home improvements, trying Handybook.com, a new site (developed in the Harvard Innovation Lab) that lets you choose from a list of fixed-price services available in your area.