Just like in software: optimize where appropriate. If there is a good return on investment (time spent to money saved), then do it, if not, don't. Another consi

Just like in software: optimize where appropriate. If there is a good return on investment (time spent to money saved), then do it, if not, don't. Another consideration is if you enjoy it. If you seriously enjoy clipping coupons even if it doesn't end up saving a lot of money, do it anyway.