[cercis]

Watch what you eat. Eating healthfully is slightly more expensive, but you do save in the long run.

Shop around for health insurance regularly - even if you get it through your employer. It was cheaper for me and the kids to get blue cross/blue shield than go through dh's employer.

Develop a relationship with the doctor and learn to request samples. If there is a maintenance med you take regularly (such as flonase) ask the doc for samples everytime you're there even for non-related things.