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The supermarket business is much more competitive than it was a decade ago. Smaller, more specialized and customer-oriented stores are taking more of the market share, and the big dogs are lowering prices to compete. Trader Joe’s, for example, is spreading across the country because it’s gotten so popular. The food is very high quality and the price is reasonable. Aldi is a lesser-known German supermarket with very limited products and hours. But people have gotten addicted to the prices, which are typically 40 percent less than typical grocery stores. The newest company to join the ranks is Tesco, a British company thought to be the most successful supermarket in the world. Tesco will open in Arizona, California and Nevada. They won’t use the name Tesco, though. They will be called “Fresh & Easy,” and they’ll be a cross between Trader Joe’s and Whole Foods. They could make it big, as other traditional grocery stores continue to struggle.

Have you heard of airfare envy? It’s when you buy a ticket and find the same itinerary for less money afterward. The good news is that there are a handful of airlines that will give you a voucher for the difference if you ask. They are Alaska, Southwest, United, USAir and JetBlue. So how do you know if the fare goes down on your particular flight? There is now a site that e-mails you when your flight goes down in price. It's called yapta.com and you must register to get the alerts. Then, you must jump on the deal immediately. Of course, it will take a little while to figure out if it’s worth it. But for now, it’s a great way to save money on flights. On the other hand, keep in mind that some airlines charge outrageous fees if a cheaper flight comes along and you want to buy it. American and Continental charge $100. Delta charges $50, Frontier charges $35 and Northwest charges $25. Shame on those airlines, says Clark.