The Virginian-Pilot
                            THE VIRGINIAN-PILOT  
              Copyright (c) 1994, Landmark Communications, Inc.

DATE: Sunday, July 17, 1994                  TAG: 9407200610
SECTION: HAMPTON ROADS WOMAN      PAGE: 10   EDITION: FINAL 
SOURCE: BY ELIZABETH SIMPSON, STAFF WRITER
                                             LENGTH: Short :   28 lines

PENNY-WISE BUT NOT POUND-FOOLISH ``SMART SKINFLINT'' PUBLISHER CAROL PINIGIS OFFERS MONEY-SAVING TIPS BEFORE MOVING ON.

TIME, MONEY and sanity. Those are the three things that Carol Pinigis keeps in balance when she's trying to save money. In other words, you're not going to find her cutting out mittens from discarded sweaters. ``If it saves money but it drives you crazy, then what's the point?'' said Pinigis, who started a bimonthly newsletter called ``The Smart Skinflint'' from her Virginia Beach home six months ago.

[The complete text of this story is not available electronically. For entire story, please see microfilm.] ILLUSTRATION: FILE COLOR PHOTO

Carol Pinigis' bimonthly newsletter, which she began six months ago,

offers thrifty advice on running a household. Her family moved to

Denver recently.

by CNB