If money is tight, today is the day to start figuring out ways to stretch it further. Cutting back on your expenses doesn't have to be painful: especially if you change the little things. For example, why don't you start bringing your lunch with you every day? And try washing your car yourself: get the kids involved if you have them, as it's great family bonding time. Weekends are just as enjoyable without one single trip to the mall. Use your creativity.