Last year we rang in the New Year with thrift-store crystal, $9 champagne, and a playlist that made our living room feel like a rooftop lounge — total cost $43 for four adults. Who says you need to drop hundreds on a glamorous night out? With these frugal New Year’s Eve ideas, you can craft…

“I went from $38,000 in debt to saving 60% of my income. These are the eight tiny changes that started it all — and none of them felt like sacrifice.” I wish I could tell you the moment I decided to start a frugal life was brave and empowered. It wasn’t. I was tired. I…