Use your skills to save money. If you can knit or crochet, make some dish cloths. Acrylic wool works well, is washable and the reusable cloths save you money because you don’t have to buy dish sponges.
Keep over the counter medications on hand to save an emergency dash to the pharmacy. Kids and adults both get sick, often after business hours. Stock your brand at home to save hassle later.
Find a doctor who bulk bills children. It works out cheaper (even if you have to pay the gap) when you have to do a family visit.