This post is longer than my usual renderings but worth the read. We often consider frugality and saving synonymous. As a Frugalista, I’m all for hacks that promote less spending. However, I wish to suggest that these terms are not the same. Frugality is simply one step in the saving process. Frugal people: 🚗 Buy high-quality used cars and keep up the maintenance 🛍️ Purchase with intention and use forever 📝 Shop with a list and buy generic whenever possible 🎟️ Take advantage of loyalty...

Everything is presented in lists these days. 😎 I was pleasantly surprised that the first three items on a list of lessons for kids before they turn 18 were related to financial literacy. The items? Read a pay stub without guessing Set up direct deposit and know FDIC basics Handle teen taxes However, boys and girls should learn financial literacy skills long before they get their first real jobs. Children have to handle money throughout their lives, so it benefits them to master smart...

I recently spent three weeks with a woman I’ve been friends with for almost 50 years. She’s the friend you can drop in for an extended visit without feeling guilty because her home feels like your home. Although we are that close, we live distinctly different lives. She owns a huge home in an urban city dwelling. I live in a one-bedroom apartment in a small Florida town. She and her husband have been married for almost thirty years. I became a widow in my late 40s. She comes from a large...