NICKELS & DIMES ADD UP

How much does your morningcoffee and danish cost you? Howmuch money could you put away ifyou gave it up? Financial gurusoften draw rosy pictures of thousandsand millions of dollars addedto your retirement kitty just by cuttingout simple everyday expenses.You might want to look at the biggerpicture, however, other expertssay. Shopping for homeowners andcar insurance, for example, can savemajor dollars, but only 20% ofhome and car owners do it, accordingto a recent survey by ProgressiveCorp. Cable television fees areanother area for potential savings.Forego adding premium channelsor digital capability to your cablebill and you can save as much as$60 to $100 a month.