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penny pinching

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The recession has many of us looking for ways to pinch pennies. We glory in small savings, and look for ways to shave a little more off the bill. Of course, small savings can add up to big savings down the road. But, in some cases, penny pinching does not actually result in big picture savings. Instead, we might find that we are being penny wise and pound foolish, introducing inefficient elements into our finances.…