Who is this Kiwi, you say? Well, in the spirit of full disclosure, I’m not a real live New Zealander; I’m an expat from the US South. But “Frugal-American-Expat-Ex-Southern-Belle-Who-Has-Been-Living-In-New-Zealand-For-Years” just didn’t have the same ring to it as “Frugal Kiwi.” And just think of the nightmare of coming up with the logo. I love it here in New Zealand. The hangis, the hakas, the wekas, the wakas. I love ‘em all. But New Zealand isn’t the cheapest place to live. As luck would have it, I was raised up on muddy old river catfish, black-eyed peas from the garden and cornbread, so frugality comes naturally. My mama says it is my sharecropper’s genes and she might just be right. Earlier this year I had a stroke of brilliance stroke. In my mid 30s. I couldn’t recommend it as a fun experience. During my convalescence a natural tendency to frugality blossomed into a full-fledged necessity. I’m on the mend these days, but my frugal ways continue. To celebrate my recovery, I thought I’d share a tip or two to others who are frugal by nature or necessity.