It’s Friday afternoon.  Mr. Shah walks into his bank with the statements that he has just received.  Being Friday there is a long queue but he waits patiently.  He finally gets to the counter at about 3:45 p.m.  The teller, Jane, knows that this is her last client and he…

Frugality often gets a bad rap. Many people misunderstand frugality and assume that it’s nothing more than being “cheap” when, in reality, frugality is making sure that you get the most from the money and resources you have, even if they are limited. For those who are just beginning to…