Welcome to FrgualTwig!

Hi and welcome to the very first post in Frugal Twig! I'm Geoff. While I live at the bottom of New Zealand I read mostly U.S personal finance blogs and talk about universal ideas. I want to write about not only ideas on how to be frugal, but ways to make money too. I intend this to be a personal finance blog that has mainly financial issue based posts rather than personal ones.

Having said that I will give a quick run down on myself. I'm 36 single and keen to talk about money! Unlike many PF bloggers I haven't been in a lot of non investment debt and never really had a problem with credit cards or overspending. Still I haven't had a lot of money for quite a bit of my life and know by necessity, how to be frugal.