I have not tried these tips but have seen them in many places. I typically have enough of a stockpile of almost free stuff I purchased with coupons that I don't have to worry :) Couponing approaches a science in my situation and most people don't keep a 6 month supply of necessities in their house.
Floor Cleaner - Ammonia is the cheapest cleaner and does a good job, but you can often use plain water in between times.
Freezer bags - Use empty chip bags, and close with masking tape. Or use bowls with lids, such as margarine tubs.
Furniture Polish - Mix equal parts of white vinegar and vegetable oil and rub on the furniture. Buff with soft cloth until it shines.
Hand lotion - Petroleum jelly rubbed into your hands at night immediately after a warm water soak, mayonnaise (rinse with cold water afterwards), or any other oil based food.