Michelle Bowes is a Sydney-based business and personal finance journalist; author of 'Money Queens: Rule Your Money', a personal financial guidebook for teenage girls; and a personal finance speaker ...

Ben Gran is a freelance contributor for Forbes Advisor on banking. He also writes for The Ascent (a Motley Fool service), where he covers insurance, credit cards, personal finance and investing. Ben ...

Not every cost-saving measure has to be an obvious lifestyle change. Frugality is a personal choice and mindset, more than it is specific habits, hobbies, or behaviors. So, even at its core, being ...