Well, I'm frugal by nature, have six kids, and hope to retire some day. I'll spent $500 Cdn on a car repair (when necessary) but think twice for $15 eating out

Well, I'm frugal by nature, have six kids, and hope to retire some day. I'll spent $500 Cdn on a car repair (when necessary) but think twice for $15 eating out by myself. $40 for an application I want is a hard one for me -- it has to provide a clear value that I can't reasonably substitute for.