I never knew my maternal grandmother. She died so young that my mother didn’t know her either. The fortunate part is that her fraternal twin sister was very much a part of our lives. She filled the role of grandmother and I always heard that I was very much like her. My great aunt Caroline never saw a sale she didn’t like. I am very much the same way. My mantra could be: Never pay full price when there is a discount to be had.

I have always fallen on the frugal side of the fence. Those who have been following my blog might be aware that my adult life has presented me with various financial challenges. I have had to start over a few times in the past. My divorce came later in life. There have been those who have said if they were in a similar situation maybe they would have stayed in the marriage. It would be considered a tradeoff that they were willing to make. The financial security that many years of marriage brought was not enough to hold me. There have been sacrifices along the way but I can live with a downgrade of vacations and a lesser amount of eating out. Within a year, I was able to buy a house and I have never missed a payment. My home is not large but it is cozy and I enjoy my life within its walls.

The experience garnered by my divorce served me well when I experienced the loss of employment, not once but twice. I considered my finances a challenge, not one that discouraged me but rather one that had me rise to meet the occasion. I refinanced the house and lowered my payments. I gave up trash pick-up and make weekend trips to the dump. I no longer have cable but I now consider myself the queen of YouTube as I find a wealth of entertainment there. I am a proponent of thrifting. I have never purchased a new car, only preowned. Give me a coupon and a discount and I can do wonders with the clearance rack at Kohl’s. I shop at a discount grocery store and additionally make use of a program at a local food chain. As food gets close to its expiration date, it is listed online for half price. If I don’t have plans for the meat it goes into the freezer so the benefit of that deep discount is not lost.

I am not the least bit embarrassed by these admissions. Those who know me well have bolstered my confidence by their comments over the years. One reflected on the fact that I am able to show creativity in finding ways to adjust my budget. She has observed times that it looked like I was going to bottom out but I am always able to bounce back and find a way to stretch the money a little bit further. Another friend once commented that I made being poor look easy. Many times throughout my professional life I might not have had a high income but I have never considered myself poor. I have never known hunger and my figure shows it! I have always had a safe and comfortable place to live and never worried about not having a roof over my head. I am proud to share that I hold an excellent credit rating. I have a special needs cat who has her necessary treatment at the vets each month. Necessity has always been met. This lifetime of frugality has prepared me well for this new lifestyle, that of retirement.

I have never been a bells and whistles kind of person and it is deeply ingrained. I recall my mother saying there were times I was difficult to buy for, not because I was picky but I never seemed to ask for anything in particular. My lifestyle is not for everyone but I am grateful for the things it has wrought. I know as a parent that I must have lead by example as I am extremely proud of the way my son handles his finances with such responsibility. I have learned to be gracious as my friends and family have extended generosity in many ways. I wake up each and every day with sincere thankfulness. I have been blessed with such abundance. It might not always manifest in a material way but what I have received over my lifetime leaves me with a feeling of gratitude and contentment beyond description.