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Originally Posted by Fern
i know that many will respond, well, every dollar counts. Yet, we all have just so much free time in the day to devote to this stuff, so i just have never understood why so many people obssess about the small change when, if they just focused their attention on bigger payback issues like saving on car insurance, refinancing their mortgage, etc., they could reap much bigger dividends.
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Well, actually, every dollar
does count. Once you've refinanced your mortgage, switched your car insurance company, and set up your automatic Roth or 401K contribution, do you just quit? No, there are thousands of things that can be done that can save you more money.
I agree there are limits -- For me personally, spending 30 minutes to fill out a $1 online survey is not worth it, but for someone else who enjoys it and otherwise wouldn't be doing anything productive, why not. On the other hand, spending 30 minutes to juice the APY on my savings account or to maximize my credit card cash back is huge for me.