Once you practice frugal living for a while, you may develop a little inner voice that will help support your frugal goals and practical saving. Much as a little inner conscious that helps direct decisions, I call this your inner frugal. You can help develop your inner frugal when you arm yourself with a good understanding of your financial reality and the things that you need and want in life. Then you won’t waste time and money on things that won’t contribute to those goals or make you happy. The New York Times recently had a very interesting article about … Continue reading →