I thought this topic deserved a thread of it's own. Here's the post that gave me the idea:
Reading NJCardFan's post a couple of things come to mind. It's helpful (and maybe painful) to sit down with your spouse and all your bills to see exactly where you are at. Don't guestimate how much you spend on gum or gas or whatever - figure it out exactly. If you have consumer debt, see what you can cut from your budget to pay off the smallest bill.
If you don't have debt other than your house and car, pay off the car and prepay on the house.
Mr. Snaps and I issue ourselves a weekly allowance. This walking around money that pays for movies, the occasional lunch, hobby-supplies, beer, paperbacks, or whatever. It's amazing how easily you can pass on impulse buying when you are in the habit of using a finite supply of cash for entertainment purposes.