Me: Where does all my money go?
My sister: Sympathetic noise.
Me: I mean, I get my hair cut once a year (it grows slowly – has always only needed an annual cut, really).
Her: Sympathetic noise.
Me: I don’t buy make up or perfume (these are supplied by my sister who is an adventurous purchaser and gives me spares). I hardly ever buy clothes. I get my books from the library now. Where does it go?
Her: I think you will find that effective savers don’t eat lunch out every day.