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One of the things we hear about all the time is how penny pinching can add up. The thought is that if you forgo some of the smaller purchases, and find ways to save on the smallest things, you can see big savings over your lifetime, a la David Bach's Latte Factor.

Extreme saving has become a much celebrated ideal. But sometimes all the virtues that come with simple living and resource conservation are at odds with a person's unhealthy attitudes and tendencies. If ignored, these supposedly money-saving moves can open up a Pandora's box of unwanted consequences that outweigh by far any money or resources the person ended up saving.