00718cam a2200217 4500 142461698 TxAuBib 20120103120000.0 120103s2011||||||||||||||||||||||||eng|u TxAuBib Howard, Clark. Clark Howard's living large in lean times : 250 + ways to buy smarter, spend smarter and save money / by Clark Howard. New York : Penguin Grou, 2011. 258 p ; 24 cm. 20120103. Finance, personal United States. Consumer education United States. Thriftiness United States. Meltzer, Mark. Thimou, Theo.