With the economy the way it is today, I want to make absolutely sure that I am getting the best value for my hard earned dollar when I have to spend it. This applies to every aspect of my daily life, from groceries, to clothes and shoes, laundry supplies, to home improvement, and even to work on my car. That means that I am spending the extra time to research the credentials of everyone and everything that I possibly can. Was it Ben Franklin who said “A penny saved is a penny earned”? Well, I’m not earning enough pennies, that is for sure, so I need to save all those I can get my hands on!