One way to utilize your money fully is to watch out for daily deals and flash sell sites. These are a great way to get big bang for little buck. Check these out!
Groupon--The largest daily deal site I use.
Livingsocial -- A newer but still great daily deal site.
Zuilily -- A kids and mom's sale site mostly, but occasionally they have some great home decor and gifts as well.
Totsy-- Another great kids' sale site.