Secrets of a Stingy Scoundrel

Phil Villarreal is not a Harvard MBA or a professional financial advisor or a talking head on a cable television network focusing on business, but he can change your financial life—if you are willing to move into the gray areas of money and ethics. His advice is as funny as it is useful as it is a little bit evil.

Instead of playing straight and saving money by cutting back on things you need or w...