Welcome to my blog. I am going to use this blog to explain some concepts that people seem to find foreign. First of all, I am not "cheap". I am frugal. There is a big difference between "cheap" and "frugal". Cheap, is just not wanting to spend your money and compromising for less. Frugal, is spending your money as wisely as possible thus stretching your purchasing power.

Aside from my current state of unemployment, I have had a successful career. When I was employed, I had a six-figure income. But just because I had the money didn't mean I was going to spend it unnecessarily. While my friends may have purchased a sweater at Bloomingdale's for $300, I would shop at T.J. Maxx and get the exact same sweater for under $100.

I bring my trash to the town dump every week. At the dump, there is a table called "pick and take". When people in my town receives a gift they don't need, or for some reason want to get rid of, for example: a set of classes; they might leave it at the "pick and take". When I am at the dump, I will walk by the table and see what is there. I have often found some good stuff. Does this mean I'm cheap? I don't think so. I think I'm just being frugal.

Anyway, I plan to share what I know about frugality in the groups and forums at this site. If you are recently unemployed, I suggest this might be a good time for you to think about being frugal.