That’s important considering Americans are buying more chocolate during the coronavirus pandemic.

The point of me saying this is not to be judged, but to convey that when I consider what financial freedom means to me, that definition does not readily lend itself to a life of penny pinching and coupon cutting.

At this time I'll pull a loc and close a property in cash if I'm in a pinch and then I'll refine back out or sell it if I need to. 

. - maybe I'll try that first.A favorite realtor trick for open houses is to bake some chocolate chip cookies - but then again I don't want to ruin my appetite for chocolate chip cookies.

@Joel Owens people often blame engineers but it's really those penny pinching managers that make the engineers do the cheapest option that works rather than the one that works best for all involved.

It can make a great weapon in a pinch.

I haven't personally bothered with the freezing strategy.)Regarding rewards cards - the PenFed Platinum Rewards card is pretty good, and has the added benefit of being LOW INTEREST (you can probably get it at 8.9 or 9.9% APR whereas most rewards cards are 15-22% APR) which means that in a pinch, you could carry a balance without it hurting too much.

Some of those may sound like penny pinching but feels like they can add up significantly over time.

OTH, if you are the Mars Chocolate Corporation and you buy sugar futures to control costs in the future, that's investing.Investors who leverage deals, flip contracts, take options and other endevors are really "operators", they facilitate functions that produce an income.There are statutes that describe "operators" as those who take title to RE and produce an income.

I'm thinking rehabbers want a cleaner look, but maybe it is just penny-pinching.