Splurge:
Instruction, both with our own teacher and with visiting coaches. That said, our teacher is a good drive away, so we don't go all that often, and high quality coaches don't come through here all that much. But whenever we get the chance, we get as big a chunk of instruction as our brains can handle and don't count the cost.
Competition travel. We don't have any local comps, and only one drivable (5 hours), so competing means flying. We fly as cheaply as possible, but that's not very cheap. We don't compete all that much, but we limit based on time and energy, not money.
Competition hotels. We look for the best deal, but convenience wins.
Save:
Costumes. Syllabus am-am -- not allowed bling anyway. So I've got my nice simple syllabus dress, which I'll wear until we make it to open (or compete only in senior, whichever comes first), at which point I hope to have saved enough pennies to move this to the splurge column.
Practicewear. Rotate the same 3-4 skirts (mostly from Ross) with nice enough T-shirts/work tops. Haven't bought anything new in years.
Everything else. Cheap mortgage and tiny commute (both luck, based on where we got jobs), most basic cell phones & plans, old computer, antenna TV, drive the car until it falls to pieces, work clothes only when absolutely necessary and only on big sale, brown bag lunch, etc.