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( — There’s nothing wrong with getting creative and going the extra mile to save money. But if you’re cheating yourself or others just to save a buck, you’re taking frugality too far.  “Frugality that comes at the expense of someone else is not really frugality or thrift,” says Liz Weston, a personal finance columnist based in Los Angeles, and author of the upcoming book “The 10 Commandments of Money: Survive and Thrive in the New Economy.”  Saving money should be a means, not an end, says Weston. You want to be balanced so you’re neither spending too much nor saving to the extreme.  “You don’t want to be so thrifty that you miss living life today,” Weston says. “Life is not about all of the ways you can save money.”

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