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About Frugal Thoughts

Welcome Readers! Frugal Thoughts is your one stop for all things frugal. We are Mr. and Mrs. Frugal Thoughts. We were once living a very unfrugal life and realized that financial independence and early retirement would be impossible goals if we did not make some important changes in our lives. After years of honing our frugality, we are here to help you discover how you can make some little and big changes to alter your life for the better and reach financial independence earlier than you thought possible. We are now nearly financially independent and are looking towards early retirement in a few years rather than decades away. Join us and our Frugal Thoughts as we make the journey towards early retirement, creating more happiness, less stress and simple living along the way. Thank you for stopping by!

Create Your Path to Financial Freedom in Four Frugal Steps

Financial Freedom

Why is it that some people cannot achieve financial freedom, yet others can?

While riding the bus on my way to work I overheard two young women next to me discussing how they both “maxed out” their credit cards. They were cavalier in their attitudes about their money woes, comparing their debts and deciding who had the largest balance. I was surprised to hear this. I am sure that under their indifferent attitudes they have lies a great deal of stress about money.

Keeping up with expenses can be a struggle and it can be overwhelming trying to stay afloat among a sea of debt. If there is no plan to change dysfunctional money patterns and choices, it is impossible to overcome money difficulties. Following the herd and spending money without much thought or care will lead to an increasing financial burden in the form of accumulated debt. Managing your own finances does not have to be so overwhelming. If you take accountability for your money woes, follow some specific frugal thoughts and put these thoughts into practice, you will be on your way to achieving Financial Freedom and making your life easier. Now this is empowering!

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