i think its a good point too much time spent saving money is wasted time. my rule of thumb is can i save more that i get paid at work?? so if you get paid $100/hr. you can clip coupons 3 hours and save 20 bucks or stay at work 3 hours and make $300 i am a dyi person but if i can pay someone to do the job less than my pay i just work extra hours and hire that person.