Well; about the three-day-beard; I wouldn't want my partner to save on shaving, as I don't like these raspy chins.

As for the hairdresser: I try to go a week later then I would go normally...that's 8x yearly for the hairdresser in stead of 10.
I wait for the sales when buying clothes; yesterday I bought a fine long red woolen, really elegant, wintercoat with 60 % discount.