in reply to the thread topic, i think it's too much when you are being frugal even on things that you would really need to spend on (ie, medicines, etc.). Like what I have read in some blogs, sometimes, it is not good to save money when you do not plan to use it on anything (like saving aimlessly). You save money because you plan to use it for something that you need
....and about the tip, I give tips to those who waited on me. It's a tough job and at least I get to ease it up a bit by giving them tip. There are, however, RARE occassions when I really don't give any
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