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Live a frugal life means fewer new clothes, dinners off on meal cooked at home at work, and the days of car-less.
Those who promote this, say that there is no closing costs, no fees, etc.

You can save extra and you do not have to worry about coming up with a huge total every month.

If you paid your mortgage, then you may be able to get extra money on your home.

Refinancing a mortgage may require a deposit and may require closing costs.
Wear fewer loans could mean lower interest rates and lower loan to value ratio combined.