All of my clients – to have money to invest- spend LESS than they have. That’s how they have any money set aside for other purposes, like retirement of for emergencies.Frugal- is a ‘thrifty and efficient use of material resources’ according to the Merriam – Webster dictionary. It’s a characteristic that New Englanders are known for and it’s a trait I practice.How- a Google search of the word frugal turns up coupons, blogs and web sites, even a t-shirt that reads ‘proud to be frugal’, providing ideas for your frugal journey. For me, yard sales and providing the labor for many home improvements projects for our own and for friends is how we work our frugal muscles. I have good friends who are expert couponers.Why- I don’t know very many folks who have ALL the resources imaginable. Prioritizing how to use what one has is my take on frugality’s definition of efficient use of what we have. Why waste? Why have dolloars running through your hands and not take control and prioritize their use? Marion R. Syversen, MBA – PresidentNorumbegaFinancial207.862.2952Marion@NorumbegaFinancial.com Check out our website that includes weekly streaming videosWWW.NorumbegaFinancial.com Vote Norumbega Financial for Bangor’s Best Financial Planning Firm at Market Surveys of America In compliance with requirements from FINRA, all e-mail sent via the WSFG domain will be subject to review and archiving by Wall Street Financial Group, Inc. Email management, archiving & monitoring technology powered by Smarsh, Inc. Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Wall Street Financial Group, Inc., Norumbega Financial and all other entities listed herein are separate entities, independently owned and operated.