Pop the other half of your daily supplements (including multivitamin, calcium and magnesium), then handle any household bills and chores you need to finish. If you're doing tasks, assign everyone in the family a job and work together; the teamwork builds not only a clean home but also a close family. 

For bills, tuck away 10 percent of your income into an emergency account—not retirement, but rather a true financial ER that can bail you out of an emergency to help relieve one of life's biggest stressors: cash (or rather, lack of it).