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Another year is coming to an end, presenting a chance to reflect on lessons learned and goals for the future.

Libraries are also accommodating workspaces -- they're quiet and there's no need to buy coffee or a snack every few hours.

Some major retailers, including Walmart, Target, Staples, Best Buy, Office Depot, and Toys R Us, now price match Amazon.

There are many exclusions to watch out for, but checking prices with a smartphone before making an in-store impulse buy can yield savings. It may be possible to find a similar look for a lot less at a low-price apparel chain such as Forever 21 -- or rent the very same look at a site such as Rent the Runway.

Travelers looking for an alternative to a generic room in a large hotel chain property can opt for an inexpensive boutique hotel.

There are options in every state worth considering, and rates can be as low as a night. Don't blindly choose the least expensive item when it's low-quality, for instance.

And make sure extreme couponing or a long drive to find the cheapest gas isn't wasting more time than it's worth.

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