Everyday Cheapskate: Whether you like it or not, you need a good credit score

Sharing readers’ tips with you reminds me just how much we can teach each other. Just when I think I couldn’t possibly learn anything new, here comes another charming way to save time or money every day from readers just like you. You make opening my mail so much fun!

SPICE CO-OP. My wife often ends up with spices she uses only once or twice before they go stale and she has to throw them out. Her solution? She formed a spice co-op with a close friend. Now whenever either of them buys a new bottle of spice they share half of the bottle. Both save money and end up with a great spice collection. They also have discovered that exchanging spices is a great excuse to get together for a gab session. — Gil N., Texas