Taken within the context of HN audience, this is generally poor advice. I'm not sure why it is being upvoted other than for the discussion itself. Don't scrounge those $9 Netflix dollars, and don't skip your coffee. Don't even spend countless hours lurking on SlickDeals to save twenty bucks here and there. Your time would much, much better spent if you work on increasing your income stream. Work harder and ship your darn iPhone/Android/web/whatever app.