It's early October, and the annual holiday marketing onslaught is not too far away. "The more you spend, the more you save," is one of my favorite crazy slogans. Does that really work on people? If you've spent $500 on new sweaters to save $100, you've just, um, spent $400.

Unless... you put on one of those sweaters, and then crank down your thermostat to save money on your heating bill. Love it!