1)Say no to plastic~It's a dreadful feeling paying monthly premiums on food you ate two months ago. Credit cards spiral out of control faster and greater than we may realize.
2)Stick to your budget. It's tempting when you're tired and just got home from work to order out, however, you will pay more in the long run. My son and I calculated for two weeks how much we ate out and it was $200! "There's a hole in the bucket, dear Liza, dear Lisa"!
3)Communicate with your children~It's very important that children understand money. Before going to the store, I tell my son what I'm going to buy and this trip will not include any toys, etc. I set his expectations so he knows he is coming home with groceries and not extras.