A therapist just isn't the status symbol that it used to be in old Woody Allen movies. At least, not when it's a bargain like this. The SF Center for Psychoanalysis offers a low fee clinic for those who feel they may benefit from Freud's talking cure. One pal of ours goes twice a week for a mere fifty bucks - a total steal for private mental health services. Help resolve your mommy issues here:

http://www.sf-cp.org/Comm_Edu/clinic_services.htm

Where is it? Forgive the clutter. This totally cool website will help you pinch the most amount of pennies at the pump:

http://www.SanFranGasPrices.com/

OK, you don't have to thank me for this one. Rather than trying to awkwardly cop holiday-approprate wrapping paper from your favorite Hallmark shop under your trenchcoat, do this: Find any wrapping paper you can at any thrift store, and wrap your handmade and found prezzies with the paper inside out, leaving just a white, wrapped box for your decorating pleasure - markers, stickers, hog's blood, whatever your medium. Happy freakin' holidays, tightwads...

OK, this one is untried, so don't sue me if it doesn't work out, 'kay? I hate to promote the cafe around the corner yet again; I'm not only cheap, but lazy, too. But here's why you won't be annoyed long: There's a sign in the window for a lawyer who sets up shop at the cafe in the evenings offering legal advice for a buck-a-minute. If you have a quick question or just want someone to look over a contract or something, you would be hard-pressed to find cheaper wisdom of the law.

A free martini here, a low-cost back rub there...saving moula is good fun in the Bay Area, but it's nearly impossible to save a serious chunk of change on everyone's biggest expense - housing. We are not, however, totally without a few possibilities. Of course there's the roommate solution: Just how many people can you cram into a 3BR flat before the landlord catches on?