Those who know me have many different labels for my spending habits. Some think I’m a “penny pincher,” some think I’m extremely thrifty, and some think I’m just plain cheap. I call myself a frugal genius. Arriving at this self-proclaimed status has been a journey of about ten years of money management mistakes and successes, and I now consider scrimping and saving as a part time job which pays me as much or as little as I put into it. Until about {Read More}