Frugal Living Fan T-Shirts

'The children have adjusted surprisingly well now we can't afford to run a car.'

'Admit it - you bought it for an excuse to save on heating!'

'Why can't you guys be more like the hot water heater, who may pay for itself in two years.'

'it's okay. The package says 'facial quality'.'

'What do you do with the time you save?'

My 5-year-old nephew cut his hair! His mom was so upset until she thought: 'Wait a minute! I just saved 12 bucks!'

When Tia Carmen says... "I got it for a very good price!" it means...she stopped at a garage sale on the way home.

Clancy Strip: Money and Beer

'Dave will only turn the heating on when he thinks it's absolutely necessary.'

"It's made from all our old leftovers. I call it 'Rescue Casserole.'"

'The sick economy isn't why J.B.has cut back on spending. He always was a tightwad.'

"Years of penny-pinching really paid off. The price of copper just went up again."

"He can afford a bigger cage. His old tax forms line the bottom."

"I always say; 'You don't need to spend a lot of money to have a good time on a first date."

"That's too big a pill for me to swallow, Harold!"

"Why pay for a tree in November when you can get one off the side of the road in January for free?"

"C'mere, space heater."

"He's given up trying to find anything else he can cut to reach 40% savings."

"We've decided to cut back and have Christmas every other year."

How to save on your heating bill...

"Why can't you just buy some modern LED lights?"

"There's no getting away from the numbers....only by forgetting holidays, giving up drink, the cinema, meals out and socialising...will we be able to afford any quality of life when we retire."

'Yes, Bob, Allan's wife did let him buy tickets to the big game, but then Allan didn't spend all his allowance on nachos and beer, now, did he?'

How to do without

"Do you have this in an $11.99?"

"Do you have a dollar menu?"

'You must know my kids...they spend like there's no tomorrow.'

'He arranged it himself. Let's face it he really was the skinflint's skinflint...'

Today, it's chic to be cheap.

"Armstrong, you're the cheapest cheapskate on earth." "Not yet, but a man can dream." "This toothache is killing me but I have no money and no insurance. Do you know where I can find a really cheap dentist?" "Of course. I can give you my guy's name. He works for peanuts." "I’ll get a pen." "You’ll also need a passport and lots of penicillin."

'We've all had to cut costs a smidge.'

"I wanted to give Christmas bonuses but that would violate the separation of church and business."

"It's cheaper to buy soap in chunks instead of bars. Just chip off what you need."

'Right now I'd say our biggest asset is our credit card debt.'

"Murder, eh? They nabbed me for bargain-hunting without a license."