R.K.
I have always lived a frugal life. I pack my own lunch, have never gotten my nails done, no car payment, buy all of my clothes and shoes on clearance ect. If you make skillet suppers and put the extra into micro-wavable containers and eat those for lunch you will save a lot of money in a years time. I drive my car until it dies, then buy a good used car and pay for it. Also buy a few extras on clearance and if someone gets married or has a baby I can give them a nice gift. I make my coffee at home and take a thermos when I go on road trips and for work, unless they have free coffee.
Even when I worked as a on the road sales person. I took food with me and made my lunches, most hotels have a refrig, micro wave amd coffee pot in the room. I always took my own coffee pot so I could make a large pot of coffee and fill my thermos. I even got a small electric fry pan and made my dinner in my room.