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

Every week, I invite readers of this column to send me their clever tips for how to save time and money. Then, once a week, I open the Everyday Cheapskate mailbox to let you take a look. So many of you tell me this is your favorite day of the week. It’s mine, too!

SHOPPING TRICK. My son studied a carpentry course called, “Measure twice, cut once.” I have adapted that phrase to my shopping: “Shop twice, buy once.” When I am grocery shopping, if I see something I’d like that isn’t on my list, I add it to next week’s shopping list. When I am making out my menus and grocery list the following week, I consider the item. Often, by then, it has lost its appeal. I do the same thing with other shopping items I am considering buying. They go to next week’s to-do list. By the time the week rolls around, I’ve had plenty of time to evaluate the purchase and make a nonimpulsive decision. —Mary Beth, email