The government is also cutting an extra paycheck central-government workers receive each December, eliminating some tax breaks for home buyers and trimming unemployment benefits.

WSJ: Spaniards Feel Sting of Big Budget Cuts

On the other hand, those extra dollars do tend to pay for cutting-edge treatments and equipment the rest of the world can only dream of.

FORBES: Congenital American Impatience Points to Obamacare's Failure

He changed that, staffing precincts in high-crime areas on peak crime days with extra police and cutting back to a skeleton staff in quieter areas and times.

FORBES: Beer baron turns top cop

He changed that, staffing precincts in high-crime areas on peak crimes days with extra police and cutting back to a skeleton staff in quieter areas and times.

FORBES: Beer baron turns top cop

One is how to improve margins sufficiently to make a healthy real return in a world where over-capacity is running at 25-30%, and car makers are cutting prices either overtly or by offering extra features.

ECONOMIST: The prince and the pauper

At the last general election Labour made pledges on cutting primary school class sizes, introducing legislation for a Welsh Assembly in the first year, cutting NHS waiting lists by an extra 100, 000, getting 250, 000 under-25s off benefit and into work (around 13, 000 in Wales), and setting tough rules for government spending and borrowing.

BBC: Labour's pledge card for Wales

Cutting out your use of credit cards means time-consuming trips to the ATM and extra service charges from increased debit card use.

FORBES: How An Insurance Company Determines Your Premiums