My husband and I consolidate our errands. Our COAG clinic is really good about this. Our monthly appts. are scheduled around our times. We do our grocery shopping twice a month, fill both trucks up (around here in the winter it's a good idea to have a full tank at all times.) Our big projects are budgeted weeks in advance. We take a little out of each pay period and set it aside until we have what we need. Most important of all the bills get paid first, savings next and the rest is play money..lol