Living on $17,000 a year, having fun and drinking champagne

There are many things I love about my life, drinking a glass of champagne, travel and wearing a lovely dress. What I love most is that I manage this all for under $20,000 a year. So how do I do it?

I love frugal living. I have been like this for as long as I can remember, even back to my childhood. I am frugal by nature. I love quality and craftsmanship, most of all I love value for money. I can’t remember the last time I paid full price for something. I shop generally for quality, then comes finding the item for the right price.

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