budget

Whenever we talk about trimming back our budgets we end up targeting stuff like coffee, lunches out and cable television. We’ve cast these as wasteful, pointless things that simply bring us pleasure but no long-term payback.

A few months ago, I wrote about how I hate clipping coupons — in fact, it's one of the top things I said I won't do in the name of frugality. But lately I’ve been rethinking my position.