Great thread !
I am frugal about some things but I have a habit of paying for convenience.
My thoughts –
I leave the house at about 6:00 AM and get home between 8:00 – 9:00 PM (when I am lucky) so I buy my lunch a lot and eat a lot of takeout (I try to eat healthy stuff thought like soup from the organic grocery store, veggie pizza or burritos, bean curd and vegetables etc). Also, I love bottled water and probably spend too much money on that.
In the winter I keep the heat as low as possible and wear lots of layers in the house and
Use 2-3 blankets when it is really cold.
I save money by not having a car. It is inconvenient since I live in New Jersey
And I will probably get a car soon, but in the meantime it saves me money. I rent
A car occasionally and take the bus or train.
One thing I won’t pay for is getting my nails done – I do my nails myself or
Just cut them really short. Also it is horrible but I always put off getting my hair trimmed, I figure if I only see the hairdresser only 3-4 times a year I am saving money.
I believe in tipping for good service, if the service was good I will tip 15%.
Also, erickkoch who said he was too cheap to separate their whites and colors at the Laundromat should try
Shout Color Catcher (Drugstore.com has it priced at US$5.99 but it is cheaper in most supermarkets. You throw a sheet in with each wash, I love it.