But, I have learned to save up for property taxes, estimated taxes, insurance premiums, and a number of other things. That means I don't fritter away that money. I am certainly more frugal than I used to be, but may have a bit more work to do. Or should I just be thankful that, except for chocolate, I control the spending on books and yarn somewhat?
****The first picture is by Paul Hanaoka, the 2nd by Ed Robertson and the 3rd by Charisse Kenion. I found them on unsplash.com.
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