Saving Money Tips

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Publisher :
ISBN 13 : 9781512132816
Total Pages : 40 pages
Book Rating : 4.1/5 (328 download)

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Book Synopsis Saving Money Tips by : Andrew Parsons

Download or read book Saving Money Tips written by Andrew Parsons and published by . This book was released on 2015-05-12 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: Saving Money Tips: Discover How Saving Money on a Budget is Possible with This Must Have Saving Money GuideToday only, get this Amazon bestseller for just $9.97.So why should you purchase this book? Because you having been thinking of ways of how you can save money and get ahead, but you don't know where to start and you don't know how to map out a written plan. Because now is the moment in time where you are motivated to save, and you need some guidance on how to go about it. You realize there are ways to save money, but you just haven't thought it through until now. You need to learn the basics, and you consciously started to look around for a guide to help. Well you found the right source and you must buy this book today - right now. Let me convince you! So now, you have found this book, and you will download it. Once purchased, this book will tell you how to methodically plan to save money and map out your future and financial freedom. The book takes you step-by-step, taking you by the hand to be well on your way to saving money. The solution is within you and your desire to change. Many,many people in today's society live way beyond their means. Usually it is because they buy things they really don't need, they try to keep up with the Joneses, and to top it all off, they spend money they do not have by charging it on credit cards. The reality is that you have to be smart with your money and you can't indulge in things that are not necessities in life. However, that doesn't mean you can't enjoy your life and still spend money on yourself. How you ask? With a little discipline, you would be surprised how much money you can save starting in the very first month. As long as you bring in more money each month than you have going out, there is an opportunity to save. Most people who spend too much often wonder where their money goes each and every paycheck. The truth is, it is being wasted on frivolous things and there is usually plenty of disposable income that can be stashed away each and every month. Do you qualify as one of these people? Most likely yes - or you wouldn't be purchasing this book now. I commend you for getting this far.....you are almost there. This book will walk you through the essential 'things you should know' about saving money while on a limited or minimal income. Six Reasons To Purchase 'Saving Money Tips1. You are tired of living check to check and you know you need help. 2. You realize there is plenty of money coming each month, and too much going out. 3. You want help and you need advice on how to get started and to know what the first step is. 4. You realize there is money to be saved in so many places, but have been too lazy to think about them until now. 5. You will learn the 10 reasons why it is so important to save money. 6. You will learn the importance of saving accounts and how to set them up. properly. What You Will Learn By Purchasing 'Saving Money Tips'1. Saving Money Strategies 2. The Importance of Saving Money 3. Steps on How to Save Money 4. Places to Save Money 5. Setting a Savings Goal 6. Money Saving Tips 7. Mistakes to Avoid When Saving Money And much more. Take advantage of this new found discovery of this book and start saving today. You will be surprised on actually how easy it is. Take action now and purchase your copy of "Saving Money Tips" by scrolling up and adding this book to your shopping cart.Tags: saving money tips, saving money guide, saving money on a budget,saving money tips and tricks,saving money kindle books,saving money for dummies,saving money on groceries,saving money finances,saving money book,saving money in the kitchen,saving money free kindle books, money savings, money saving tips,money saving ideas,money saving tricks,money saving apps, money saving tips

50 Tips On Saving Money

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Author :
Publisher :
ISBN 13 : 1370548508
Total Pages : 34 pages
Book Rating : 4.3/5 (75 download)

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Book Synopsis 50 Tips On Saving Money by : Giovanni Rigters

Download or read book 50 Tips On Saving Money written by Giovanni Rigters and published by . This book was released on with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: I want to reassure you that spending isn’t a wrong activity, however, there is something that should be taken more seriously than spending, and that is saving for your future. As you spend, you’ve also got to realize that you need to save because tomorrow always comes. Think about it like this; if you spend all the money you had and had nothing left, how do you survive? If everything you have now is taken away from you, will you still be alright? If you have been spending a lot and not saving, it may take a while for you to make adjustments with your finances, but if you are resilient and proactive, the steps you will find here will be of great help.

365 Ways to Live Cheap

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Publisher : Simon and Schuster
ISBN 13 : 1440516162
Total Pages : 240 pages
Book Rating : 4.4/5 (45 download)

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Book Synopsis 365 Ways to Live Cheap by : Trent Hamm

Download or read book 365 Ways to Live Cheap written by Trent Hamm and published by Simon and Schuster. This book was released on 2008-11-17 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Use cold water for most clothes washing and save up to $63 a year. Minimize your carload and reduce your gas mileage by as much as 5 percent. Invest in a deep freezer and fill it up with meat discounted at 30 percent or more. Take a look at your life and you'll realize that there's almost always a way to make do on less. This book offers up a bevy of ways to cut down on costs and still enjoy a satisfying lifestyle in any situation. From practicing good gas conservation habits to learning to love leftovers, this book will help every aspiring penny pincher stop the unnecessary spending and find the fun in frugality!

Financial Peace

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Author :
Publisher : Lampo
ISBN 13 : 9780963571236
Total Pages : 268 pages
Book Rating : 4.5/5 (712 download)

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Book Synopsis Financial Peace by : Dave Ramsey

Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.

Saving Money Tips

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Author :
Publisher : CreateSpace
ISBN 13 : 9781512277999
Total Pages : 86 pages
Book Rating : 4.2/5 (779 download)

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Book Synopsis Saving Money Tips by : Richard Foreman

Download or read book Saving Money Tips written by Richard Foreman and published by CreateSpace. This book was released on 2015-05-20 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book contains helpful information about saving money, and how you can easily begin having more in your account at the end of each week. The majority of people in today's society struggle to save. We all seem to want the newest and the best, even if we can't afford it. Credit cards and loans are leading people to financial ruin, and even worse, schools aren't teaching us how to save properly either. In this book we will cover simple steps that will help you begin saving, and change your attitudes to money in the process. Money is an abundant resource, and we need to realize there is plenty to go around. Once you have some savings, it's easy to turn it in to more and more money in a short time. Whether through a business, real-estate, stock market, or some other form of investing you can make a lot more money once you have some initial savings. Here, you will learn the skills that will have you successfully saving, and if you follow the steps laid out in this book you will be one step closer to financial freedom. This book will explain to you tips and techniques that will help you successfully reduce your expenses and save more of your hard earned cash. I hope this book is able to help you, please approach this subject with an open mind and I urge you to give these steps ago!

The Money Tracker: Find the Cash to Get What You Really Want

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Author :
Publisher : AdvisorPress
ISBN 13 : 0974087610
Total Pages : 376 pages
Book Rating : 4.9/5 (74 download)

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Book Synopsis The Money Tracker: Find the Cash to Get What You Really Want by : Judy Lawrence

Download or read book The Money Tracker: Find the Cash to Get What You Really Want written by Judy Lawrence and published by AdvisorPress. This book was released on 2004-05 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: Ever wonder how all your cash disappears? Find yourself splurging on a bad day? Tired of not having what you really want? In just a few minutes a day, the Money Tracker can help you: . Identify those spending leaks and start saving extra cash! . Learn how to prevent impulsive spending. . Avoid the pain of running out of money the end of every month. . Discover how to gain more pleasure out of the money you do have. Read inspirational success stories that will encourage you to track your spending and jot down your reflections about your relationship with money. Use the self-diagnostic quizzes for new perspectives on spending. Find out how much that boredom is costing you with those late night online shopping sprees. Discover what spending patterns and behaviors are sabotaging your true financial goals. The Money Tracker is your tool for getting back on track and achieving your dreams.

The Automatic Millionaire

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Author :
Publisher : Penguin UK
ISBN 13 : 0141926295
Total Pages : 111 pages
Book Rating : 4.1/5 (419 download)

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Book Synopsis The Automatic Millionaire by : David Bach

Download or read book The Automatic Millionaire written by David Bach and published by Penguin UK. This book was released on 2005-04-28 with total page 111 pages. Available in PDF, EPUB and Kindle. Book excerpt: Making your money work for you ... automatically In The Automatic Millionaire David Bach unlocks the secret to getting rich. Cutting through the jargon, it's full of common-sense advice and practical strategies to help you take control of your finances. The step-by-step guide and no-budget, no-discipline, no-nonsense system makes reaching financial security amazingly simple and easy, no matter what your income. You can get rid of the debt that's holding you down. You can get on top of your day-to-day expenses. You can create a safety net that will protect you from life's unknowns. You can have the money to get the things you want. You can build a seven-figure nest egg that will keep you secure and comfortable for the rest of your life. This book has the power to secure your financial future and change your life. All you have to do is follow the one-step programme - the rest is automatic!

100 Timeless Money Saving Tips

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Author :
Publisher : Createspace Independent Pub
ISBN 13 : 9781480239265
Total Pages : 150 pages
Book Rating : 4.2/5 (392 download)

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Book Synopsis 100 Timeless Money Saving Tips by : Latanya Oates Hicks

Download or read book 100 Timeless Money Saving Tips written by Latanya Oates Hicks and published by Createspace Independent Pub. This book was released on 2013-04-13 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: You have found a place of "Timeless Money Saving Tips" for everyday. The money you earn should be yours to enjoy and have fun with and not to spend on unnecessary/unused items or activities.This book compiles 100+ Money Saving Tips for anyone to use. They are tips that I have used over the years to help me save money and still live a comfortable life. You may consider this book as your guide while you steer your way to healthy savings for you and your family. The tips will provide instructions for different ways to build a healthy savings just by eliminating inefficient ... and non-essential behaviors or habits. Tips such as:• General household tips that are green-friendly as well as money saving• Gardening and water saving actions you can do to effectively save on those utility bills• Practical food, clothing, automotive tips • Entertainment and travel tips that are simple and provide fun ways to spend time with family and friends or experience a vacation destination in a new way Making small changes add up to big savings in the long run. The material is simple and straight to the point, you can even carry it around with you to reference. After reading this book and taking stock of your lifestyle you will realize all the ways you can begin saving. Believe and you can achieve the results you desire.

Saving Money Tips

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Author :
Publisher : Independently Published
ISBN 13 :
Total Pages : 70 pages
Book Rating : 4.6/5 (534 download)

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Book Synopsis Saving Money Tips by : Richard Foreman

Download or read book Saving Money Tips written by Richard Foreman and published by Independently Published. This book was released on 2020-06-12 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book contains helpful information about saving money, and how you can easily begin having more in your account at the end of each week. The majority of people in today's society struggle to save. We all seem to want the newest and the best, even if we can't afford it. Credit cards and loans are leading people to financial ruin, and even worse, schools aren't teaching us how to save properly either. In this book we will cover simple steps that will help you begin saving, and change your attitudes to money in the process. Money is an abundant resource, and we need to realize there is plenty to go around. Once you have some savings, it's easy to turn it in to more and more money in a short time. Whether through a business, real-estate, stock market, or some other form of investing you can make a lot more money once you have some initial savings. Here, you will learn the skills that will have you successfully saving, and if you follow the steps laid out in this book you will be one step closer to financial freedom. This book will explain to you tips and techniques that will help you successfully reduce your expenses and save more of your hard earned cash. I hope this book is able to help you, please approach this subject with an open mind and I urge you to give these steps ago!

Money Saving Tips

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Author :
Publisher : CreateSpace
ISBN 13 : 9781503203785
Total Pages : 46 pages
Book Rating : 4.2/5 (37 download)

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Book Synopsis Money Saving Tips by : Eric Van Wyke

Download or read book Money Saving Tips written by Eric Van Wyke and published by CreateSpace. This book was released on 2014-10-20 with total page 46 pages. Available in PDF, EPUB and Kindle. Book excerpt: Planning and sticking to a personal budget can be tedious. Actually, a lot of people dread budgeting as much as they dread going to the dentist. Unfortunately, you do need to take time to design and adhere to a budget, but the benefits of doing so are infinitely greater than the costs. Budgeting is the first step to saving money. A budget is your guideline in spending your hard-earned money to make sure you save money and only spend what you can afford. This technique ensures a surplus you can use to pay off any existing debts or save for the future. When you live on a budget, you must make careful decisions about how you spend your money. You will not be tempted to make impulse purchases because each purchase or payment is made based on an objective decision-making process. Another advantage of having a personal budget plan is that you can allocate your limited funds to both your present needs and your future goals like retirement, your children's college education or even your own home. When you do not have a budget, it is quite easy for your funds to slip through your hands, and you end up barely making ends meet. Hence, saving money is an excellent endeavor. This book contains proven steps and strategies on how to effectively save more money, so you no longer need to struggle to live paycheck to paycheck. Even during difficult times, you and your family do not need to suffer and live a deprived life. You can take control of your finances and provide for your family. The tips and techniques included in this book are easy to implement, so you can start saving money in all areas of your life. Always keep in mind that you deserve to be financially free. It is up to you to claim the independence.

All Your Worth

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Author :
Publisher : Simon and Schuster
ISBN 13 : 0743269888
Total Pages : 304 pages
Book Rating : 4.7/5 (432 download)

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Book Synopsis All Your Worth by : Elizabeth Warren

Download or read book All Your Worth written by Elizabeth Warren and published by Simon and Schuster. This book was released on 2006-01-09 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling mother/daughter coauthors of "The Two-Income Trap" now pen an essential guide to the five simple keys to lasting financial peace.

My Money My Way

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Author :
Publisher : Penguin
ISBN 13 : 0593418859
Total Pages : 241 pages
Book Rating : 4.5/5 (934 download)

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Book Synopsis My Money My Way by : Kumiko Love

Download or read book My Money My Way written by Kumiko Love and published by Penguin. This book was released on 2022-02-01 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: Does fear and insecurity keep you from looking at your bank account? Is your financial anxiety holding you captive? You don’t have to stress about money anymore. YOU can take back control. As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. She saw what other moms had—vacations, birthday parties, a house full of furniture—and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she’d feel better after a trip to the mall. On the day she needed to pay for a McDonald’s ice cream cone without her credit card, she had an epiphany: Money is not the problem. Self-Doubt is the problem. Shame is the problem. Guilt is the problem. Society’s expectations for her are the problem. She is the solution. Once she reversed the negative thinking patterns pushing her toward decisions that didn’t serve her values or goals, her financial plan wrote itself. Now, she’s not only living debt-free in her dream home, which she paid for in cash, but she has spread her teachings around the world and helped countless women envision better lives for themselves and their families. Now, building on the lessons she’s taught millions as the founder of The Budget Mom, she shares a step by step plan for taking control back over your financial life—regardless of your level of income or your credit card balance. Through stories from navigating divorce to helping clients thrive through recessions, depression, eviction, layoffs and so much more, you will learn foundational practices such as: How to use your emotions to your financial advantage, instead of letting them control you How to create a budget based on your real life, not a life of self-denial How to create a motivating debt pay-off plan that makes you excited about your future, instead of fearing it My Money My Way will give you the tools to align your emotional health with your financial health—to let go of deprivation and embrace desire. Love’s paradigm-shifting system will teach you how to honor your unique personal values, driving emotions, and particular needs so that you can stop worrying about money and start living a financially fulfilled life.

Money Mum Official: Save Yourself Happy

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Author :
Publisher : Hamlyn
ISBN 13 : 0600637360
Total Pages : 288 pages
Book Rating : 4.6/5 (6 download)

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Book Synopsis Money Mum Official: Save Yourself Happy by : Gemma Bird

Download or read book Money Mum Official: Save Yourself Happy written by Gemma Bird and published by Hamlyn. This book was released on 2022-01-06 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: SAVE A FORTUNE AND TRANSFORM YOUR LIFESTYLE IN 2022. If you're feeling the pinch after Christmas and worried about the rising cost of living then INSTAGRAM SENSATION MONEY MUM is here to help you SAVE THOUSANDS WITHOUT EVEN NOTICING. "Money Mum, here, coming to you, as always, with another money tip! You don't have to be wealthy or earn a huge salary to achieve all the things you want in life - and I'm here to show you how. Just by spending a little less on everyday small costs or being savvy with your choices, you will naturally have a little more for the finer things in life. My exciting new book will show you everything you need to know to save money and be truly happy forever. When you're trying to manage a busy family, it's easy to lose sight of the things that really matter and feel like you're drowning in worries while the pennies are drowning away. So many of us feel we have to pretend to be wealthier than we are and try to hide it when we can't afford something. Why though, when we are all sharing what we had for our tea and how many press ups we did that morning on social media, can't we be more honest about our finances? Why is there still so much shame and secrecy about being a bit strapped for cash, or in debt? I feel really strongly that it has got to change, and I'm here to get you through it.. I want to empower women and girls to take responsibility for their own financial futures. To have those difficult conversations and do the uncomfortable maths, because believe me one day you will be so glad you did. From starting small and making little changes to your everyday habits, through building a second income into your lifestyle, to going for the big goals in your life that you might think are out of your reach - this book will help you reboot your finances one money tip at a time. Because money isn't a secret recipe that only rich people know, it's a mindset and an attitude that anyone can have. And Money Mum is here, as always, to show you how. Now stick the kettle on, grab a pen and paper and let's start saving you some serious cash!" Inside you'll find: - My ultimate deals and tips, covering everything from shopping and bills to selling unwanted items - How to follow my weekly 'No Spend Day' and 'Make Money Day' - What your money mindset does to your anxiety levels and the impact social media has on your spending - Tips for getting the whole family talking about money from an early age - Spending tracker templates, charts and plenty of space for your own notes!

The Money Saving Mom's Budget

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Author :
Publisher : Simon and Schuster
ISBN 13 : 1451646224
Total Pages : 226 pages
Book Rating : 4.4/5 (516 download)

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Book Synopsis The Money Saving Mom's Budget by : Crystal Paine

Download or read book The Money Saving Mom's Budget written by Crystal Paine and published by Simon and Schuster. This book was released on 2012-01-10 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: From one of Nielsen’s top 50 power moms comes advice you can take to the bank—literally! Crystal Paine, who has helped busy women everywhere take control of their finances, presents her most effective strategies designed for families of all sizes and income levels. With hundreds of inspiring “why didn’t I think of that?” tips, plus worksheets, Paine breaks down your goals into easy, manageable steps so you can: • Achieve a complete financial makeover • Set up a realistic budget • Never pay retail • Slash your grocery bill • Organize your time and your home • Use coupons wisely • Pay with cash only • Live simply • Become debt free • Choose contentment • Make every dollar count

Money Saving Tips

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Author :
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781537060552
Total Pages : 42 pages
Book Rating : 4.0/5 (65 download)

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Book Synopsis Money Saving Tips by : Rock Bankole

Download or read book Money Saving Tips written by Rock Bankole and published by Createspace Independent Publishing Platform. This book was released on 2016-08-14 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: "At Last, The Answers you deserve on Saving Money Now" Without any "nonsense advice" like renting out your house and moving down to the garage. - Are you overwhelmed by financial difficulties? - Have you accumulated too many debts that are struggling you to death? - Or have you made poor investment decisions and are now unable to enjoy money?According to a research conducted by the National Bureau of Economic Research (NBER), "the majority of Americans do not plan for a predictable event such as retirement or children's college education. Most importantly, people do not make provisions for unexpected events and emergencies, leaving themselves and the economy exposed to shocks."4 out of 5 American adults are faced with economic insecurity at some point in their lives and the majority of Americans lack basic numeracy and knowledge of fundamental economic principle.There is also a sharp disconnection between self-reported financial knowledge and financial knowledge as measured by financial literacy quizzes. Even those who give their best knowledge score poorly on quizzes. Moreover, while many believe they are pretty good at dealing with day-to-day financial matters, in actuality, they engage in financial behaviors that generate expenses and fees, overdrawing checking accounts, making late credit card payments, or exceeding limits on credit card charges. Comparing terms of financial contracts and shopping around before making financial decisions are not at all common among the population. How would you like to change your financial life and protect your family from an economic disaster? By purchasing the Money Saving Tips book, you'll discover a step by step and easy to follow guide that reveals the secret to effectively save money as well as the fundamental and basic economic principle everybody ought to know about.Not only that, you will also learn how to think like people who are financially successful and why saving money is not only a physical act but a mental action as well. Here is a preview of what you will learn... Simple techniques to establish your money saving master plan How to think smart and act smart with your money Powerful Technique to make your savings work for you The #1 technique of developing a money saving habits And much more! When you purchase the Money Saving Tips book today you'll save 60% off the regular price.Please note that this bonus is only available for a limited time! Go to the top of the page and click the orange "Add To Cart" button on the right to order now!

Personal Finance Workbook For Dummies

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Author :
Publisher : John Wiley & Sons
ISBN 13 : 111805119X
Total Pages : 316 pages
Book Rating : 4.1/5 (18 download)

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Book Synopsis Personal Finance Workbook For Dummies by : Sheryl Garrett

Download or read book Personal Finance Workbook For Dummies written by Sheryl Garrett and published by John Wiley & Sons. This book was released on 2012-02-10 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do the terms personal finance or money management drudge up feelings of inadequacy, confusion, discomfort or fear in you? Personal Finance Workbook For Dummies helps you calm your negative feelings and get your financial house in order at the same time. And, you'll be amazed how easy it is to get on the road to financial fitness. From spending and saving to investing wisely, this hands-on workbook walks you through a private financial counseling session and shows you how to assess your situation and manage your money. You'll learn how to use credit wisely, plan for large expenses, determine your insurance needs, and make smarter financial decisions. Plus, the featured worksheets and checklists help you manage your day-to-day spending and plan for a robust financial future. Discover how to: Take stock of your financial history and determine your net worth Build a personal financial plan that meets your saving and investing goals Develop good spending habits and get out of debt—without budgeting Explore your dreams, grow your wealth, and protect your assets Get the most out of your money Minimize your taxes Plan for big-ticket purchases Pay for your kids' college tuition Ensure a comfortable retirement Leave a substantial estate for your heirs The easy-to-follow exercises in Personal Finance Workbook for Dummies take the drudgery and pain out of managing your money. Order this time- and money-saving guide now; it'll brighten your financial future and your mood.

The Best Ever Book of Money Saving Tips for Costa Ricans

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Author :
Publisher : CreateSpace
ISBN 13 : 9781489564337
Total Pages : 106 pages
Book Rating : 4.5/5 (643 download)

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Book Synopsis The Best Ever Book of Money Saving Tips for Costa Ricans by : Mark Geoffrey Young

Download or read book The Best Ever Book of Money Saving Tips for Costa Ricans written by Mark Geoffrey Young and published by CreateSpace. This book was released on 2013-07-21 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Best Ever Book of Money Saving Tips for Costa Ricans: Creative Ways to Cut Your Costs, Conserve Your Capital And Keep Your Cash; is the ultimate guide to saving money and getting rich quick. Filled with the craziest, funniest and most ridiculous money saving tips you can imagine, this humorous, groundbreaking resource shows you how Costa Ricans waste money and provides you with everything you need to transform your life.The Best Ever Book of Money Saving Tips for Costa Ricans is filled revolutionary tips that even the tightest Tightwad would have trouble coming up with. Bright ideas include: • Hanging out your dental floss to dry so you can reuse it later • Finding God to reduce your household expenses • Filling your Thermos at work to reduce your water bill • Fasting to reduce your food costs. Other tips include: • Cutting your bathroom costs by 50% • Changing the perception others have of you • Making your family grateful for the things they have • Getting others to help you save money • Reducing your expenditure on food and other necessities.The savings in this book are so extreme; most Costa Ricans won't be able to implement them. But for those that do, they'll be able to recover the cost of this book after just a few pages. Ask yourself: Are you a cost-cutting warrior willing to make the ultimate sacrifice to save money, or are you a spendthrift Costa Rican who wastes money?