With the turn-of-the-century just around the corner, people are looking for ways to turn their finances around and start anew. There's no better way for readers to achieve financial freedom than for them to change their spending habits. Being a 'penny-pincher' means being a smarter consumer who saves more while still living well. In this practical guide, readers learn how to stretch the performance of their current income by slashing grocery bills, shopping expenses, traveling costs, prescription drug costs, child-care expenses, and more. Readers discover how to use coupons and rebates to their advantage, and how to save on every household item-from appliances to cars. Finally, consumers can understand that the secret to becoming a millionaire is not spending millions on everyday items!