Introduction

Photo by Mathieu Turle on Unsplash

October 20, 2019

Mention the word frugal and all kinds of negative and frightening mental images come to mind with most people. The purpose of this blog is to offer principles, ideas and experiences that will bring you to the realization that being frugal is not about deprivation.

Living frugally simply means maximizing your hard-earned income and reducing wasteful spending so you can live well … regardless of how small or large your income is. It’s about you living better than you are now. It’s about living a less stressful and chaotic life resulting in a happier, more fulfilled life that is free of debt.

Being frugal will be a life-changing experience. It will require you to take charge over your financial well-being. It requires commitment and responsibility. It also requires honest assessments of your progress towards your goals.

The ideas and principles that I will share are from my own experience. What worked for me may not work for you due to differing financial circumstances, income level, savings and investment opportunities, level of debt and commitment.

That being said, the principles I’ll present are not theory. Rather, they are principles that have been implemented, tested and proven — through my own experience — to produce financial freedom.

The ideas and principles that I share are not meant to be an instruction manual as there are multiple ways to attain financial freedom. Rather, my hope is that the ideas and principles presented will give you ideas and the encouragement you need to develop your own Frugal Plan that will lead you to financial freedom and independence.

There is one principle truth that will be included in any path you ultimately decide to take: you must spend less than earn.

Your comments, questions and experience are important.

W.M. Brown

Frugal Plan’s Promise

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Published by W. M. Brown

I am a retired U.S. expat living in Ecuador. I was a business owner for 32 years before retiring in 2012.

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