Food (Grocery & Eating Out): Do not limit yourself to a certain brand. Buy what is on sale. Sometimes name brands are cheaper than store brands during a sale or with a coupon, so pay attention to pricing.
Consider This: Do not make a financial decision under stress. Emotions tend to impair judgment, so wait until you are able to think objectively before making any important decisions.
Household and Utilities: Do not place furniture, carpeting, or drapes over air registers. These items block the registers, causing them to be ineffective.
Consider This: Don't always purchase new school supplies for your children. Instead, reuse what is still in decent shape.
Medical / Health: Don't automatically pay your medical bills as soon as you get them. Read them over carefully to be sure you weren't billed too much. If you don't understand something, ask about it.
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Time Saving Tips
Organizing: If you frequently do work at home, either for your career or for yourself, invest in a useable desk. This will prevent you from burying the kitchen table with your work, and you will have a place to leave out things you are currently working on. Be sure to keep it organized and useable.
Home: If you have a certain skill you enjoy using, consider transforming your hobby into extra cash. For example, if you enjoy fixing bikes, purchase cheap, broken bikes to fix and resell. You can make money and have fun at the same time.
Goals: If you have a goal, define it, make a plan, and pursue it! You can't have success without a plan for action.
Procrastination: If you have a tendency of procrastinating on a task, schedule a time to do it. Also consider breaking it down into smaller, more manageable portions, and ask someone else to hold you accountable for completing it.
Priorities: If you have organized and prioritized your life, you will be able to pursue new opportunities as they appear. Without this lifestyle of preparation, however, you will likely miss out. You cannot add new aspects to your life until you learn to manage the ones you already have.
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