Whenever something happens, I always think (usually within the first ten seconds), what if?
What if I had decided to floss that morning? I would be ten seconds later the rest of the day, and that could have changed everything. What if I had woken up when my alarm rang? I would have had my coffee earlier and more awake now. Or I might have needed a second cup of coffee and thus be more awake now. What if I had turned right at the traffic lights? What if I had continued the conversation? What if, what if, what if.
What if-ing can be a valuable tool if you let it, and a wordy tool at that (perfect for the end of NaNoWriMo!).
So let your character think "what if" today. You don't know what they will end up thinking up!