A notebook with “Frugal Living” written on it, a spilled jar with various currency notes, a calculator, and a clock on a dark surface—important tools to save money and be happy.

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A notebook with "Frugal Living" written on it, a spilled jar with various currency notes, a calculator, and a clock on a dark surface—important tools to save money and be happy.

A notebook with “Frugal Living” written on it, a spilled jar with various currency notes, a calculator, and a clock on a dark surface—important tools to save money and be happy.