As I've noted before, being busy and being careful with your money can be hard to do at the same time. Last month, Forbes magazine did an article titled The High Cost of Laziness, and the CreditLoan website did a good review of the article. It is a smart read, even if I'm a little bothered by the use of the word lazy. It doesn't seem to me that most of these things are related to laziness at all, but more that we haven't chosen to make them a high priority in our lives. (I admit I might be a little sensitive about this, as I still haven't finished these two tasks.)
Regardless, it is a good list with suggestions that apply to many people, myself included. Even if you do just one of the things on the list, you'll have made a positive change for your family.