Living a frugal lifestyle is key to achieving financial independence. This is because what you spend is more important than what you earn.
Nothing justifies the statement ‘easier said than done’ more than saving money. At the beginning of the month, you outline how wisely you want to spend your income – but, in the end, you realise that you spent way more than you had planned. Overspending is a habit that inhibits the saving efforts of […]