401k tip - put your money where your future is!
Every time I get a raise, I immediately add that percentage into my 401k. I figure, if I was able to live my life on x amount of dollars BEFORE the raise, is life going to improve that much more with an extra $10-20 each week? No, but even if you only get a raise once a year, 2% here and 4% there begins to add up over time!
This is especially helpful if your employer has a "match" program. As much as you are able, take advantage of that opportunity. That's FREE money for your future!