I "do it myself" as much as possible -- health care, hoof maintenance, hay pickup, tack repair, barn repair, house repairs ...
I buy used as much as possible -- I'm always visiting the consignment section, going to value village, sally ann and watching the local classifieds.
I "make it myself" -- Jade outgrew her browband -- made a replacement from an old rein. Saddle blankets are all old blankets from the house. Saddle bags, lead ropes.
I'm not good at the time saving thing. In anything. And I think I'm getting worse at it too actually. Or maybe it's just poor time management.