True to form, you all pulled through with more awesome comments this week. It's always a challenge to choose from the bunch, so keep sharing your thoughts, tips, and tricks!
When the fiance and I are trying to figure out if we can afford to go out for dinner or whatever, we factor the tip into what we can spend. If we don't think we'll have enough to tip properly, we just don't go.
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I have ING savings account set up for each of my husband and my savings goals. We have home improvement funds, eyeglass/contact replacement funds, copay and prescription funds, travel funds, etc. We also have the Electric Orange checking accounts linked to these. This helps with that lag time as the transfers to and from the savings to the checking accounts is immediate and you can go spend the money that you've saved as soon as you need to.
I do this every time I shop. I have found several errors on grocery receipts. Once a clerk entered the produce code for off season blueberries for my onions. I had been charged $4.98/lb as opposed to $.99/lb. Needless to say it is good that I checked. Luckily today, most grocery store scanners have screens you can watch as they scan and I pay attention to these too. Mistakes happen but do not want to be out money for them.