If every one of your dollars counts, make sure you're getting the biggest possible bang for your buck.Money is tight for most Americans these days. Although the math suggests wages have mostly kept up with inflation, the reality is that paying the rent or the mortgage, buying groceries, or just keeping the lights turned on has never felt so painful.There's no wiggle room, either. As the Motley Fool's own in-house research arm points out, the typical U.S. household only has about $8,000 worth of accessible c ...