My lawyer friends tell me this page is necessary. So here goes: All information on Grateful and Frugal is presented for informational purposes only and does not constitute financial advice. I am not a professional or expert on anything that I write. What I write is based on my own experiences – and as such, this website does not attempt to give you advice that relates to your specific circumstances. I cannot be held liable for any actions you take as a result of anything you read here. For advice on your specific circumstances, please consult a professional.