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

Years ago I had a frugality wake-up call -- something I admit to needing from time to time. It's so easy to get sloppy in a country where we are surrounded by abundance and a seemingly endless supply of everything.

It was the morning of our annual holiday dinner party. I had limited time and many things to do to get ready for the big event. On my list was "clean patio chairs," because we would undoubtedly need them for additional seating. I wanted them sparkling clean and presentable. The chairs had been out during several recent rainstorms and they showed it. I grabbed my supplies, only to discover that I had just one roll of paper towels, and it was partly used. This would be a three-roll job at the very least. I was too busy to carefully count out one or two towels. My style was to spin off a big wad.