*FSA Expenses--As a general rule, you can deduct medical expenses relating to your care and well-being to the extent the annual expenses exceed 7.5% of your adjusted gross income. The same expenses generally may be reimbursed through a flexible spending arrangement (FSA). However, in a new ruling, the IRS said that an FSA could not reimburse the cost of a breast pump. Reason: While breast pumps are helpful, they do not treat or mitigate a medical condition.

*Supply and Demand--Don't be shortsighted in your treatment of small company suppliers and vendors. For example, using (or not using) a discount may cost you a little now, but save you lots later on. In the worst-case scenario, a key supplier might be driven out of business, forcing you to deal with a larger company with inflexible prices. That's not to say you should not negotiate a fair price with your current suppliers and vendors, but keep the big picture in view.