David Bach (author of Smart Women Finish Rich) coined this term, meaning that small things can add up to a lot if saved... as in, that $3.00 latte some of us get everyday (just one example -- another could be cheap drugstore makeup). Do you skimp on splurging on small things, or do you indulge because it doesn't seem like much? Also, in your experience, have you found that saving those odds-and-ends dollars has been a significant contribution to your total savings? When I want something big, I can go all out and my family is the same way. However, I rarely buy Starbucks or little cheap items like nailpolish that some girls seem to have dozens of!