Welcome, my name is Clair Schwan. I’m here to offer you concepts and practical advice for living a frugal and debt free lifestyle. I'll show you how to get out of debt and stay out of debt.

I've achieved financial freedom, and you can too.

Being frugal is all about thrifty living. It doesn’t mean you have to be a tightwad or cheapskate, nor do you have to engage in penny pinching. You just need to understand the value of money and a few key concepts about personal finance and money management.

I am very comfortable with my financial condition now, but it wasn’t always that way. My good frugal decision-making helped me save up a small fortune over 15 years of work. Bad decision-making let it slip away in less than 3 years.

Once I got back to wise money management and frugal living, I was able to get out of debt and recover my life’s fortune in only 7 years.

I’m back on top now, and I am here to stay. You should be here too. I’m ready to help you get here if that is your intention.

Stay with me and together we’ll explore making extra money, work from home opportunities, and strategies for saving money. You’ll also learn ways to save money on groceries, save money on gas, and live on one income.

If I can be successful, then you can too. I’ll help you get there.

Why should we learn about frugal living and how to save money? Because it helps us accumulate wealth so we can have the things that we really want to have – things that mean so much in our lives. Things like:

• A home without a mortgage
• Vehicles without monthly payments
• Carefree living without a regular job
• A high standard of living
• Financial freedom
• Peace of mind

For long term success, you’ll need to fine tune your thinking into a mindset of frugal living. Short term success can be had by practicing some of the money saving ideas that I offer.

No matter what your financial condition or income, you can enjoy wealth and abundance, and real freedom of choice that a frugal lifestyle can provide. All you have to do is give it a good try by following some of the suggestions you’ll find here at Frugal-Living-Freedom.

I should tell you more about me. I can be described as self-made. Because of frugal living, hard work and planning, I retired at 49 with plenty of money in the bank.

Now, I have no job and no regular income. I have no pension or retirement program from a previous employer, and I don’t need one.

My 12 acre estate and all my “toys” are completely paid for. I have a simple and carefree lifestyle. This is debt free living at its best.

I’m not bragging. I’m simply providing evidence that I know how to create wealth and make it provide a comfortable life for me. My knowledge and experience can work for you too. Are you ready to give frugal living a try?

If you are ready to join me, then let’s take a look at the frugal living mindset we need to cultivate.

Two important notes:

First, we are talking about soft technology. Something that can be learned, but it doesn’t seem to “stick” very well from one generation to the next. That’s why so many of us have problems with personal finance and money management.

It will take some effort on your part to absorb and apply the concepts and ways of thinking and behaving. If this were simply another hard technology, I would send you one in a box and that would be it. It isn’t that easy. You’ll have to change some of your core beliefs and behaviors to be successful, but it can be done.

Second, I make no apologies for my reference to and focus on America. This is my birthplace and home. My skills and experience are keenly American. My values reflect American heritage, my experience reflects American culture, and my freedom to approach things in my own way is my birthright.

Now that we have that out of the way, let’s look at the topics I'll explore here...