Consider using milk powder - if you buy milk powder in bulk (from a bulk-bin type store or wholesale grocery store), it works out at about half the price of buying the fresh stuff.  I don't personally like the taste for my cup of tea, but I have trained myself to like my tea black (I can't stand black coffee though...but I don't have coffee alot anymore as I HATE instant and can't afford the real stuff!).  This also saves money on tea bags, as I only like black tea very weak, and can reuse the bag couple of times! It won't take the kids long to get used to it...try topping up the fresh milk with powdered milk when it gets down to the half way mark and slowly changing the percentages (or just stick with half & half if you prefer!).  Even if you only switch to using the powdered stuff for baking, you'll be saving a bit!

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