OK, so it can be read in a short time, but read it full and save a lit! Someone once said that if you could save on utility bill costs then you would make it to millionaire status in a short time, and I agree! I am determined to cut our over the counter spending by 25 percent this year. With this book I have saved 21 percent this month. That is 21 percent of what I normally pay out on things, including rubbish and impulse buys. Instead of taking the first quote for anything I make a point of shopping around. Overseas trips are out due to the exchange rate of the dollar not being as powerful as it used to be. When living a frugal lifestyle you are seldom bored because there is always something you can be doing to save money. I think the first thing to do is to make a budget and to be completely honest with yourself and put a special section aside to keep track of how much money you spend. Cancelling unneeded services is a good way of saving money, too. I only have my windows cleaned monthly now instead of fortnightly. Cancelling subscriptions to wasteful magazines has also saved me a bit. My washing machine now gets the cold treatment with low temperature detergent, saves a packet. I find that there are a lot free samples about to take advantage of, especially if you ask. I am also a dab hand with a needle and thread, repairing clothes instead of throwing them out. I also bake my own bread, not that I eat a lot of it but it tastes so much better Well done, Jeff, every bit helps.