Bank of America has a round-up program. It automatically rounds up to your savings for each purchase by debit card.

Eating out makes a huge difference. I can understand the tired, not wanting to cook issue. For me, I cook several things on the weekend to last me through the week. I imagine this is harder for a family. Can you make cooking a family event to help with your tiredness?

I grocery shop once a week, and stock up on staples when they are on sale.

I outlet shop for my indulgences - handbags and shoes.

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When you get to the end of your rope, tie a knot and swing.