My brother is adamant that if we all stop focusing on the problems and instead, focus on what we want from life, we will all be happier and better off. Enough of the negativity! He made up a great sticker you can get for your business: http://www.cafepress.com/stevenchughes
Don't fuss over things you can't change and make sure you don't neglect to make sure you are getting the best bang for your buck. There are lots of little things you can do to cut your own cost and some don't even take much time. For example, you can make sure you are not getting ripped off on health insurance. If you are an Australian you can check that for free on Ozecover.