Whenever you have fruit that is close to going bad, instead of throwing it away, just cut, chop, or puree it in a blender and freeze in appropriate size containers for future baking or for yummy smoothies.
Is your fruit too ripe to eat? Don't throw it away. Peel your bananas, apples, pears, peaches, plums, etc. Slice them and put in a saute pan with 1 tablespoon butter and a sprinkle of brown sugar.
When I find really cheap jars of jam, I buy at least 2. I open and start using alternatively so they are both about half or more empty at the same time. Then I take whatever fruit I have that's a bit spoiled.