I am a FRUGAL COST-CUTTER.

SHEENA RICARTE
2 min readNov 11, 2022

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~ Friday, November 11, 2022 Blog Post~

I am a FRUGAL COST-CUTTER. (Sheena Ricarte, November 2022)

Like what I have always maintained in this blog and I would like to affirm that I am a FRUGAL COST-CUTTER. I like to spend my hard-earned money quite wisely and I usually look for alternative products and services that are affordable but of premium-quality. I don’t really mind being called “cheap” or “cheapskate.” Well, nobody calls me with those terms except for my family members. Haha.

I am neither superrich nor living paycheck to paycheck. I’m a middle-class and financially savvy consumer. Moreover, I have been teaching myself personal finance and international finance since 2017. That is about five years now.

I started saving money and learning about its value since I was 7 years young. That financially formative time was when I was in first grade in elementary school in 1991. My parents would dispense my weekly allowance and I would just keep the money in my wallets which were, of course, for little children, and I recall they had the bright hues of red, pink, and so forth.

Anyway, as a part of my personal finance journey, I also devoted my now-dormant Instagram account to learning about personal and international finance topics. That social media account is just for my pleasure and continuous financial education.

Since I have opted for a life of being a FRUGAL COST-CUTTER, I think my wise decision has helped me harvest the sweet fruits of FINANCIAL PEACE OF MIND all these years.

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SHEENA RICARTE

Freelance finance writer Sheena Ricarte's interests comprise international finance, economics, personal finance, asset protection law, & investment management.