"I look at my annual budgets for everything and anything, and I look to see where I can save the most money on those items. Saving 30% to 50% buying in bulk - replenishable items from toothpaste to soup, or whatever I use a lot of - is the best guaranteed return on investment you can get anywhere."

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At the end of each year, I sit on the floor and go page by page through the old calendar, inking annual events into the new one, all the while watching my year in 'dinner withs' skate by. When I'm done, I save the old calendar in the box of the new one and put it with the others on a shelf.

— Sloane Crosley