frugality was a necessity for me after a failed business venture with my ex who took off and left me with a pile of debt.
being on disability pension and therefore a fixed income..even considerable credit counselling didn't help (the ex refused to participate)...the agency told me to declare bankruptcy!
well i did and what a shock to go from a very financially generous life style to suddenly living in the world of REAL MONEY!
what you get is what you got...no more and no credit of any kind
it has been a shock to discover how much the world caters to credit at the expense of people who don't have it.
and i admit i have had to pawn some jewellery a few times as i continue to make adjustments.
however, i got to keep my house as there was so little capital in it so i still have a peice of the proverbial rock.
so i've combined my love of cooking and simplifying life to help develop a frugal (mostly) lifestyle.
and i'm counting on folks here to help me learn more ways to cut costs.....then i've got more $$$'s to put into my house!
carol