Are you 'penny-wise and dollar-foolish?'  Do you drive an extra mile, or two, to save two cents per gallon of gasoline;  or to a much further grocery because one item may be ten cents cheaper?  Do the math - you are probably spending more on gasoline and time than you are saving with your supposed thriftness.

     And here are three tips to save money:  1.  Convert your lighting fixtures to fluorescent bulbs, instead of incandescent.  2.  Have a timer installed on your electric water heater, so that it does not heat when unnecessary(it will!) - this appliance can account for one-third of a monthly electric bill.  3.  Don't bother paying more for 'cage-free' or 'free-range' eggs, as there are no laws mandating the supposed 'different' treatment of the hens, or their feed, and the cost is typically much higher than  others.  Consider the breakfast savings 'my treat!'