Frugaling: Save more, live well, give generously

Frugaling: Save more, live well, give generously

The average household has nearly ,000 on credit cards and more than ,000 in student loans. In total, they represent over trillion of American debt. Clearly we’ve got a problem.

Leaders tend to recommend that we keep spending, avoid the concerns, and maintain the status quo. We tend to call student loans “good” and “necessary,” but don’t equate the debt with lifelong repayment plans, default, and ruined credit scores. Meanwhile, credit card companies bait us into spending more than we can, on things we don’t need, to impress people we might not care about. It’s a recipe for disaster, and a bubble waiting to burst.

That’s where frugality can help. The word might remind you of boring grandparents talking abou

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