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It’s Being Frugal, Not Cheap

I’m not cheap, I’m frugal. I never had any money woes. It was instilled in me at a young age to save money. I remember even at the age of 5 giving my birthday money to my mom to save. I held money to the highest regard. I always put away about 90% of any money I got and put the rest in this secret book I made that had…

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