I am cost conscious! I like a good bargain, and love using coupons. Based on my family experience, cheap and miserly drive me up a wall. One of my brothers is so cheap he squeaks, and it is embarrassing to be with him in public. If there is a free sample/give-away, he wants a dozen, and wants me to grab a dozen more! My other brother just won't part with a nickel unless he's going to get change back. Both are well off financially, but would rather someone else pay!! Like Robin said...be prepared for that rainy day!