We’ve had it “drilled” into our heads for decades – reduce dependency on oil for the good of our planet, for the good of our air, for the good of our water. We’ve learned to drive less, drive smarter, recycle where possible, use natural or organic materials, and use less energy. No one would love to give the heave-ho to oil producing nations more than me, but what would happen if I followed that logic and reduced my dependency on money?

Isn’t that the definition of frugality?

What would my life and my future retirement look like if I didn’t NEED so much money? What would it be like to be retired and used much less to live comfortably? Could it even be done?

1. Pay off debt. How much of your monthly income pays interest on your debts? Without no debt or interest charges eating up income, we could more easily finance our lifestyle.

2. Life a thrifty life. Thrifty doesn’t mean cheap, it just means being conscious of where your cash goes and willing to say no to things you don’t need. Frugality is all about ef