Many people shy away from words like thrifty and frugal. These terms do not necessarily mean stingy, tight, or miserly. They mean that a person is careful with money, and most of the time it’s not a matter of wanting to be “cheap,” it’s a matter of necessity. For many families, making ends meet is a struggle. The money manager has to be frugal to make sure the family is able to survive. This is especially true for families with only one income. However, “surviving” does not mean that a family has to feel like they are just getting by. … Continue reading →