Remember when your mom used to get upset when she couldn't see your clothes-covered carpet? She wasn't just upset about the mess; she was frustrated that you weren't taking good care of your belongings. Mistreating your possessions will give them a shorter life, which means you'll have to spend money sooner to replace them.
Wash things on delicate when their tags instruct you to do so, don't wait too long to get your car tuned-up, use coasters, etc. You'll find that you're not always paying for repairs or replacements and can save that money for something you've been coveting, or simply for a rainy day.