One of the big tricks of frugal living is to know when it’s worthwhile to sweat the small stuff and when it’s better to just let it be. There are times when paying attention to a few cents can end up making a big difference, and there are times when paying attention to a few cents is a complete waste of your focus. The challenge is being able to instantly tell which is which.
At this point, I’ve developed something of an “instinct” for being able to tell when the pennies are really worth my attention or not, so I don’t even have to think about it. I just run subconsciously through a series of criteria to decide whether it’s worth my time and attention or not. Here are most of the criteria that I use.