
By Crystal Paine, Contributing Writer Ten years ago, when my husband and I were first married, frugality was a must. If we didn't pinch pennies, we couldn't survive -- or at least not without racking up a serious amount of debt and financial trouble down the road. So we pinched pennies, did without, and prayed that we'd make it until the next paycheck came in. Times were lean, but God was always faithful. As our income increased, there was the temptation to also increase our [...]





















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