Consider how much time it takes to earn the money against the value of the goods or service.

Where I live a haircut at a crappy place is 20 bucks, an electric clipper set costs between 25-30 new and lasts years. My wife is a lot better at cutting my hair now than she was years ago.

Disposable razors get dull from rust microparticles much more than from your whiskers. Clean and dry, then store outside of bathroom humidity.

Eat at home you get better quality, more food, and its cheaper. My wife trims a lot more of the yuk off of meats than any restaurant. Publix has Filet Mingnon(sp) for 18 bucks a pound this week, or you can get half that for double the price at a restaurant.

Breakfast is the worst meal to eat outside the house. Eggs, grits, pancakes are cheap. Costs us less than 25% of the eat out price and isn't mass cooked crappy.

Have as little insurance as you can feel comfortable with. You are gambling something is going to happen and the Insurance companies that it ain't, and they draw up the agreement. Read the mouse print.

If its not an emergency try and treat yourself first. As an example they now have zip-tie bandages that work better than stiches, are cheaper, and leave less of a scar.