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Beyond Frugal; No/low spend year – a challenge.

This video is picking up on something we lightly touched on last year and which I know quite a few of you were keen to try……..a year without spending! Of course, there are still things we need to spend money on so perhaps we should call it a low spend year……are you up for the challenge? Please note: the figures I use in this video are purely for demonstration…..I realise some of you will be working with much lower figures…and some, much higher.