Torsten: What are you doing, clipping coupons?That’s a waste of time.

Cindy: You can think what you like, but these days,we have to cut corners wherever we can.

Torsten: No one actually saves much money usingcoupons.

Cindy: That’s what you think. The last time I went to the grocery store, I saved over $20just by using coupons.

Torsten: How can you keep track of all of the expiration dates and the terms andconditions? It’s not worth the trouble.

Cindy: Do you feel that way about rebate offers, too? A month ago, I bought our new TV andsaved 20 percent. And yesterday, I bought a pack of DVDs for just $2.

Torsten: Are you putting me on? A pack of DVDs for $2?

Cindy: Yeah, it was a great offer, but it was only for one day. I had to cut out the UPC code,fill out a form, and mail it in with the receipt to the manufacturer. Then, I sent a copy of thereceipt to the retailer and got another discount. That’s how I got the DVDs for next tonothing.

Torsten: You might save money with rebates, but you have to sit around forever waiting forthe rebate check.

Cindy: It’s true that the turnaround is often 8-10 weeks, but some of the offers are worththe wait.

Torsten: Do what you like, but I’m too busy to mess around with coupons and rebates.

Cindy: That’s why you married a penny- pincher. If I left it up to you, we’d be in the by now!