Very nice presentation and good advice for all of us. I live a very frugal lifestyle by American standards. I have credit cards and only put small amounts on them. When the bill comes I pay them in full.

There are so many ways to learn on the Internet for free (HIVE being one of the places) my education costs are zero.

Charity is a no brainer for me. It is a part of my budget. I do my best to ensure my left hand does not know what my right hand is doing.

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