Guest -- Wow, I'm blushing over being wrong about "penny-enny." One of those things that I guess I always thought was the correct phrase, but I'm sure you are right. Then again, maybe it's a regionalism because I swear I have heard people say it to me just that way.

 Catherine -- You certainly have fertile grounds for an ethical discussion there. Oh my, yes. Off the top of my head, I would argue that a resident of my local women's shelter is not going to be plotting over the weekly CVS ad, coupons and ExtraCare card in hand, and the volunteers or staff at the shelter aren't going to either. It's kind of like saying it doesn't make sense to donate your home-grown produce to a food bank, because after all poor people could plant their own vegetables. Then again, if my goal is to procure some products for charity, then yeah, there are certainly more efficient ways of going about it such as asking local businesses for bulk donations.

 DivaJean -- You are right that you have to think about what purchases make sense for you. Personally when I belonged to Costco I bought multipacks of toothpaste all the time and then enjoyed not having to think about it for the rest of the year. But unless it was a total money-making offer, I would not buy toothpaste again for quite awhile.