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Not sure if these are exactly loopholes, but whatever.
Learning to shave with a straight razor will save you a fuckton of money on shaving products. Shaving soap makes each shave cost a cent at most. The downsides are the initial cost of the razor and strop, the initial learning curve, the upkeep, and the couple extra minutes necessary to shave with a straight razor (it's not too much, but it does take a bit longer).
Learning to roast coffee will cut your coffee costs by 50% if you enjoy high quality arabica beans. Some of the best coffee I've ever had I roasted and brewed myself. The extra time investment and clean up necessary is pretty intensive though, and yeah, there's an initial learning curve and equipment cost (though not too bad, you just need a stovetop, an old school stovetop popcorn popper, and a burr grinder).
Not loopholes but excellent LPTs!
In general doing anything the old fashioned way takes more time and saves money. But it seems like most people are reluctant to spend the time even if they have it, and will rationalize this in some way.
I just stopped shaving and now trim my facial hair with my hair trimmer. Far easier on the skin and zero extra cost.
You don't have to go all the way to straight razor to get significant savings. Even just a safety razor basically cuts the cost per shave to nothing vs. modern cartridges. And it's much easier to use.
eyup. just as easy as a disposable really an no real learning. just learn to keep it tight :)