My co-blogger, Bruce Henderson — with deep Scottish roots — wants to start discussing personal thriftiness here at the blog, which I think is a great idea. And since I spotted this item at the Consumerist (one of my favorite sites), I thought I’d jump the gun and post it here. It’s a personal purchase decision flowchart created over at No Credit Needed:

Hard to get much simpler than that.  ..bruce w..

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