I started out shooting factory loads in my handi 30-06. The problem was that I could not always find the same brand of ammo in some of the rural locations. That meant the point of impact changed. I also experienced change of impact from one batch to the next. That meant resighting for every new box of ammo. Now I have a load worked up and I reload to the same specs each time. Same load all the time, and accuracy improved. I do a lot of long range shooting, three to six hundred yards. This is where the consistency of hand loading really pays off. As for saving money? I don't know I've never checked how much it cost to reload a box of ammo. I do know the major cost is the brass, and I get most of mine free at the range. Young GIs from the local army post come out and shoot up three or four boxes at a time and usually give me their emptys. I've now reached the point where if it's not .350 Rem Mag or .35 Whelen I usually turn it down, or take it and give it to friends.