
A friend of mine let me barrow this well of information and I am loving it!
This book is a collection of newsletters written by author Amy Dacyczyn a.k.a. the Frugal Zealot. She writes: "Over the years our average income has been less than $30,000. In less then 7 years we saved $49,000, and were completely debt-free. That is an annual savings of over $12,500 per year, or 43% of our gross income." Through her collection of newsletters she set out to prove- that financial goals could be achieved through saving more rather than spending more-.
One piece of advice I loved was in the section Interior decorating for tightwads. She writes,"Where we live has a marked effect on our sense of well-being. If we are happy in our home we have less need to leave it and spend money. Housecleaning. Without investing any money you can achieve the most dramatic results."
One piece of advice I loved was in the section Interior decorating for tightwads. She writes,"Where we live has a marked effect on our sense of well-being. If we are happy in our home we have less need to leave it and spend money. Housecleaning. Without investing any money you can achieve the most dramatic results."
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