* I used to think that buying large lots of things was cheaper. But since I have a small family, I realized that putting the $5 I would “save” in the bank to earn interest for 6 months was wiser than investing in 40 rolls of toilet paper.
* Don’t be afraid to return things if they aren’t right, no matter how much (or how little!) they cost. Many stores will take back items even if they’ve been tried and you just don’t like them.
* Keep very good financial records. We project our spending per line item out to year-end, so we can see if, at the current rate of spending for, say, groceries, we will exceed our budget. Then we can adjust our spending before it’s too late!
* Buy good quality things, including some indulgences, so you don’t splurge out of a sense of deprivation.