So many wants, so little money. How do you determine whether something is truly worth paying for?

Words by Budget Babe — There have been a lot of critics and haters alike on my viral post of how I saved $20,000 in a year on $2,500 a month, where many chastised me for being cheap, not spending enough, etc. But there is a huge difference between being cheap and being frugal. Contrary to what some people may think, Budget Babe does indeed spend on certain stuff. So today, I wanted to share a little more on my #1 philosophy and mindset towards saving that really helped me chalk up that $20,000. Contrary to what you may think, it is not about having a fixed budget or saving huge chunks of money. It is about saving all the little excesses that accumulate over time to become quite a sum. It ......