how can i keep my best employees? how can i bring down my insurance costs? that's why we're building a community called openforum.com where owners can swap ideas and ask questions. will tweeting get me more customers? how can i get paid faster? i was about to ask you the same thing. join the conversation at openforum.com. so many folks struggling to cope with tight budgets. my next guest is here to help us trick ourselves -- trick ourselves into saving a few bucks. she's the editor of kipling goer's personal finance in washington. thanks so much for joining us today. i have to say tricking yourself to save money. seems like setting the clock five minutes early. you still know it's early, right? >> but it works. i do nap the clock trick works.