“A penny saved is a penny earned.” We’ve all heard the wise words of Ben Franklin at some point in our lives. And when it comes to your personal finances, it’s generally pretty good advice. Even when it comes to business, specifically your co-op / market development fund, there’s a tendency for leadership to be content with money going unspent – it helps the marketing and sales teams finish the quarter or year within their budget and the leftover money simply drops to the bottom line. But when you really look at the numbers, sorry Ben; a penny saved is revenue left on the table.