Hi All,
With Christmas nearing, do you guys have suggestions on gifts that might help someone get over the hump of frugality?
I have a brother who is trying to cut down on spending this year to pay off cc debts and such and start saving, but I don't think he's fully grasped what it means to 'save'.
He and his wife still enjoy the 'finer' things, such as eating out frequently, $5 lattes, etc. because they don't seem like huge expense. But we all here know these expenses add up quickly over time.
Other than directing them to this site or a multitude of books on personal finance, do you have other suggestions that may help them on their journey?
Thanks!