In a previous life my business card included the initials ChFC after my name. That meant I was a Chartered Financial Consultant and was able to help you set up a financial plan for your retirement. I studied on weekends for over 3 years to take the tests required to earn those initials. For your benefit, and yours alone, I will give you the sum total of all my knowledge:
Pay off your credit card debt now. And don't let it happen again.
Prepay against your mortgage.
Stop buying so many pairs of shoes. You can only wear one pair at a time anyway.
Don't eat out so much.
Don't go to the movies, use Netflix instead.
Use the library instead of buying so many books.
Susan says that not only does it make it easier to pack up for art supplies, it can also function as elephant toilet paper, just in case you find an elephant that needs some.