im pretty smart like that too. im not into the expensive designer stuff. my favorite places are kmart,roses,the dollar store and the thrift stores. i dont spend a whole lot on groceries---i have been working on getting my credit better from problems quite awhile back,and my score just went up again,so i am happy about that. using my cards very carefully. also just started a savings account, for the first time.
things are definately lookin up in all areas!!!