[lrjohnson]

Ray:

Ditto ditto ditto. I am uncomfortable with some of the ways people have chosen to be thrifty; I just don't consider stocking up on a merchant's ketchup packets an option. It's stealing to me, and I absolutely hate stealing being justified or rationalized by someone trying to be frugal... Grrr.

On other "minor" savings, well, I have bought one roll of paper towels in five years-for camping, and it's still half used. I like cloth napkins and dish cloths and it works for me. I know it won't pay for retirement, but I choose my combo of big and small savings to find what I can save the most with at the same time that I stay a happy gal.