Call it whatever you want — a miser, scrooge, or penny pincher. Frugal habits aren't the secret to becoming rich, and many experts believe that it's better to focus on the big picture rather than the small expenses. But, some say penny-pinching can be beneficial because it can affect the way you view money and instill thrifty spending habits. I admit, I do have a tendency to penny pinch, so I'm wondering if you have similar habits as well! Click on through to find out what they are.