Being frugal reminds me of a saying my grandmother used to have "A woman can dish out more with a teaspoon than a man can bring home in a bucket." She had been born 3 years after the Civil War ended and had lived through several depressions, recessions, and change of fortunes. She had wonderful stories to tell. However, I think that today no matter how frugal we are in small things like zip lock bags and paper towels, etc. we save the most when we can find ways to knock a $100 off a utility bill here and there or reduce our gasoline intake in the old tank per month.