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Think of some things you have bought recently. Which things were necessary? I recently bought a virtual reality headset. I also paid for a new jacket. Which were not really necessary? The headset was not necessary. It was for fun and entertainment. Would you consider cutting down on spending? I would consider cutting down if I had to. How could you cut down on your daily spending? I would stop going out to dinner. Do you find it easy to live frugally? No, when I can get credit easily, there is no need to live economically. When you are buying something expensive, do you shop around? Yes, I like a bargain. I look for the least expensive model Are there certain times of the year when people overspend? Why? I think that people overspend during the winter. They want to buy gifts. What are some simple ways you can become frugal? You can write out a budget so that you keep within the limits of what you have allotted. You can tear up your credit cards.