> Now let's assume that switching to that new tariff would cost me only a 
> 5-minute
> phone call; thinking how much money I could instead make by spending that 
> time
> for work, it would take half a year before that tariff switch would even 
> start
> to pay off...

6 months is not bad, some people do things that take much longer to start 
paying back (like installing more efficient insulation, windows, light bulbs 
etc).

> Sometimes it saves more money to not attempt to save any.

Indeed, you need to be skillful at *very quickly* estimating how much saving 
might be possible, and deciding then whether it will be worth it.

There are other factors to be considered, like how much you enjoy doing the 
thing that is needed to save the money.  If I need to go and visit 10 
different offices in a day to save 500 pounds I'm not going to do it, but if 
I can spend a weekend doing some DIY in my house to save 500 pounds I would 
probably do it.

Also for a lot of people they work on a fixed salary and/or cannot just work 
an extra 10 minutes to get that extra money.  If I spend 10 minutes doing 
something in my free time I do not see it as "costing" 1/6 of my hourly 
wage, but there is no way I could get that amount no matter what I did 
during those 10 minutes.

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