So many times in life money has been tight. There are plenty of shortcuts for getting more with less. Having both Scottish and New England roots, I enjoy the challenge of getting the most for my money.
Right now gas and utility prices are up a lot. Food prices are going up more quickly than usual as a result, as are the prices of everything else. Things like corn and wheat prices keep rising. The housing market is having problems and the dollar is shrinking proportionately to other world currencies.
While all this may or may not last, it is good to have a bit of extra cash in my pocket.
I have been accused of being overly conservative and doing things that could not possibly matter. A lot of tiny things add up to bigger amounts.
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