12 Items That Pay for Themselves Tenfold or More

When you’re trying to live a frugal lifestyle and save money, it can seem counterintuitive to buy anything new. Yet, that’s exactly what many money-conscious people do. The difference is, those who have mastered the art of frugality don’t just buy things; they invest in them. And they don’t just invest in “stuff;” they invest in services and tools that actually save them money over time.