Gas is now going for about half of what we paid at the pump through the Summer, and the reduced cost is a welcome retreat from the strain that filling up had been causing consumers. We can hope the days of gas price-induced desperation (remember the new dad who named his baby boy after a radio show for a $100 gas card?!) are behind us, and before we go forgetting the damage gas prices did to our budgets, let's take the opportunity to do something with the extra money we're saving.

We managed to make it when our money was going into the tank instead of staying in our bank accounts, which means we might not miss at least some of that disposable income if it was out of our reach. Figure out how much you've saved in gas this month compared to what you had been spending at the height of gas prices, and apply at least part of the difference to the amount you transfer each month into your savings account. It will feel good to watch your savings grow, rather than burning your cash on the cost of fuel.

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