My Money Practices

When it comes to money, I'm pretty cheap these days. I used to spend money more often, but now I try and save as much as possible. I return my cans in for a refund, I clip coupons, and I even deposit my spare change into the bank!

Why? Like Ben Franklin said, "a penny saved is a penny earned!" I almost exclusively make purchases by credit card, though I do have cash in my wallet for emergencies. I also borrow as much money as I can if the interest rate is less than 5%.