I agree with those that have said that unless you are actually taking time away from a job you could otherwise pay for, then the hourly rate thing doesn't make sense. That is like a billionaire not bending down to pick up a dollar on the street. Technically he spent more money in the time to bend over than he made in picking up the dollar. But, if you aren't working and it is in what would be considered free time, then you just need to decide what amount of savings is worth what amount of convenience.
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