My Financial Future

So after reading a post by Candace from newyorkstateofmom.blogspot.com , I decided to revist my own spending habits budget!

Successes:
* I am 3 payments from paying off one of my biggest CC debts (last payment due January 2012)
* I do have a budget in place (not updated currently but I'm working on it)
* I am FINALLY finding the value in buying things DISCOUNTED - anything I can get on sale, no more full price unless it is necessary

What to improve:
*I need to start a college savings for Liam
* I need to begin my ROTH IRA once tax season hits
* I need to start my own personal "rainy" day savings (let's say $15 per pay period)
* tackle the rest of my CC debt

I am seriously considering becoming an Associate for Isagenix. I will try it for let's say 3 monrths and if nothing comes out of it and I don't make residual income, then I will continue to purchase their products at the discount price and that will be all.

I will continue to develop my makeup biz, spending some of my tax return on much needed supplies to keep me going. I'm hoping by freelancing w/ Smashbox I can generate more clientele.

I have much to work on and I'm going to take small steps to get there! Share with me some budget/money saving tips...What do you do to save on necessities?/What do you splurge on?