I understood the importance of frugality while in university. However, it was a real shock to graduate from university with student loans to repay and to live in one of the world’s most expensive cities. It took a lot of mettle and discipline to live on entry level wages and try to keep my head above water. There were a lot of bumps along the way. Over the years I figured out a lot of ways to try to stretch my earnings and save some money to try to get ahead. This blog is a place where I can share that knowledge along with my investment experience. I will also answer some of the legal questions I am asked.