If you defer costs or trade monetary costs for non-monetary costs, you aren't "saving", you're just moving them around. You can stop changing the oil on your c

If you defer costs or trade monetary costs for non-monetary costs, you aren't "saving", you're just moving them around. You can stop changing the oil on your car and show a couple hundred dollars of savings on paper over the next year or two ... but you will incur tens of thousands of costs consequentially.