In these times everyone wants, and perhaps needs to, save time and money - right? As Olivia, a client of mine, once said "I have been able to save so much money these past 2 months by simply bringing my lunch to work and by not picking up unhealthy afternoon snacks from the vending machine - that I've actually saved enough money to go on a weekend trip to Catalina with friends." Or how about Vicky's comments: "My husband and I stopped going out to restaurants - instead of 3x- /week it's maybe once or twice and sometimes not at all! I saved enough money to go on a shopping spree so I can buy some new clothes. Since I have gone down 2 dress sizes, I am rewarding myself in very different ways now."