The problem is, too many people spend money on stuff they don't need. They see it on the TV, or a 'must have' on the internet, and buy it whether they need it or not. I'm saving a lot of money (in my bank account) by saying NO. I see things and think, Ooh, that looks nice, but stop myself buying it. Whether it's some fancy doodad from Global Shop Direct, or a nice cream donut at the mall, I walk away with my money in my pocket. I'm trying something else tonight. We normally have pizza every second Friday night. We've been using the one pizza shop for about 25 years. But the price of a pizza has gone up to $18. Tonight we are trying a frozen pizza from Aldi, costing $4.99. Yes, we have to cook it, but that won't cost $13.00.