I really like this T-shirt idea... with all the fellows in the house, we go through a lot of t-shirts! So far, we've been cutting them up to use in place of paper towels. If they are nasty with grease and not washable (We would pay an arm and a leg to get Roto-rooter out here), we throw them out, but other stuff gets rewashed.
Thankfully, the grocery stores here do not charge (except ALDI), but many discount your total 5-10 cents for every bag you reuse. I used to always forget my bags, but we got into the habit. Some stores I purposely want their plastic bags, Menard's is one. I like those in the small trash cans because they are heavier than most grocery store bags.
In the kitchen, I reuse cereal insert bags, bread, tortilla and bagel bags for trash... anything without a recycle number. All the numbered bags get hauled to the grocery store. . Lots of small trips to the dumpster we have out back, but it's such a waste to just throw them out without at least one reuse.