Frugal By Choice Vs. Frugal By Circumstance : What is the Difference?

Some people are what we call frugal in every single way – with how they shop for clothes to wear, where they want to dine (if ever they do decide to eat out, and even with the activities they engage in. They are very careful with how they spend their money, and it is impossible to accuse them of living luxuriously because of their lifestyle and habits. On the other…

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