There are two ways to manage your finances. In the first method, you carefully monitor your earning and spending, allowing you to buy necessities and niceties while still being able to save some money on the side.

Alternatively, you can freeze your credit card to stop yourself from using it.

This is an example of someone who is ultra-frugal. These people will do everything to avoid spending money, including reusing paper towels and turning coffee grounds into a window cleaner that almost works.

You might be surprised to learn that a family like this even has a credit card. Well, apparently only the wife uses it, and she has to thaw it out to do so.