When it comes to deciding when to splurge and when to save, one of my friends’ grandmas says it best: “Put money into the things between you and the floor.” Dang Skippy, Grandma GG!!

You may remember our talk about paying attention to the time/budget/quality balance. That’s all still true; I’m just adding another layer. Like ogres. And onions. (If you’ve watched Shrek at all, you know what’s going through my mind.)