Chimone said:
And when I finally break down and get a mill, Ill be able to bring the cost down even more with bulk grains.
In a typical year I'll get through 75 KG (165 lbs) of Maris Otter.
I can buy it in my LHBS for $11.00 for ten lbs ('m sure you can get it on-line a little bit cheaper), and they let me grind it for free.
On the other hand, I can get 25 KG (55 lbs) for $35.00, and a roller mill for $110.00. (I bought mine on sale for about $80.00)
Doing some very simple arithmetic, 165 lbs at $11.00 per 10 lbs cost $181.50
and 165 lbs at $35.00 per 55 lbs costs $105.00, saving me $76.50 every year for an initial cost of $80.00
If you are not going to give up brewing within a year or so, and you brew at the same rate that I do, I don't see how you can afford not to get your own mill.
Going back to the OP's question about how to save money, I think that the answer is to buy or fabricate equipment that is going to last for a long time, and produce the results that you want and in the time you have available.
All grain brewing is much more cost effective than using extract, but requires more equipment, and much more time.
Everybody has different priorities, and only you can decide what is right.
-a,