“I’d like to improve my finances. But I don’t want to become an extreme cheapskate, and I don’t know how to earn more.”
“I can’t get a raise. I guess I could get a side job, but I don’t want to mow lawns or wait tables. And I don’t think I have time to start a side business.
“What should I do?”
First, don’t dismiss frugality.
Yes, many blogs take frugality too far. You don’t need to unscrew your oven light to save three cents, or wear clothes while showering to avoid the cost of laundry. That’s insane. You won’t create wealth by skimping on laundry soap.