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Meet a Frugal Girl Reader | Rose

A few weeks ago, there was a discussion in the comments of a Meet a Reader post where Rose was saying she’s not naturally frugal, and that it would be fun to hear from a reader like herself.

So, I emailed and asked if she’d like to be featured, and she said yes!

1. Tell us a little about yourself

reader Rose with red hair.

I’m 55, a real estate blogger and high-tech editor and writer. I live in Montauk, New York, a town in the famous Hamptons. My family has deep roots here and we’ve never been rich.

My two children, a boy who is 26 and a girl who is 24, are currently living with me, going to college remotely. Yes, they’re taking the scenic route through school.

We also have two barky hound dogs and a cat with RBF.

Rose's cat.

I’m currently trying to sell my wonderful house overlooking the ocean to downsize and simplify life.

2. How long have you been reading The Frugal Girl?

A long time, at least ten years. I swear my mind, which I used to compare to a laser beam, is now more like a flickering flashlight with dying batteries. Sheesh!

I love Kristen’s calmness and matter of factness, and lately her emphasis on thankfulness and gratitude really resonate with me.

Rose's view

the view from Rose’s front door!

3. How did you get interested in saving money?

I am not naturally frugal. I grew up as the child of an NYPD officer and a housewife on Long Island; there were four of us kids and my parents have champagne tastes.

I often compare my childhood to the short story “The Rocking Horse Winner”: “there must be more money, there must be more money.”

colorful vintage kitchen

Rose’s guest house kitchen

I grew up thinking that no matter what, I’d make a lot of money as an adult and never have to worry.

Well, in many ways it came true. In the late 1980s, despite my being a history major at a Seven Sisters college, I became interested in computers and networking. This eventually led to a job in the tech industry in the 1990s, which proved to be extremely lucrative via stock options.

But all good things come to an end. I loved our upper middle class suburban life, but my husband had a midlife crisis and walked out on us in 2013. I thought we were happy.

We—the kids and I—have never recovered from the shock. I had to sell many of our possessions just to keep ourselves going.

However, things are on an upswing for us and I’m proud to say I’ve (almost) gotten both my children through good college educations virtually on my own, and they’ll have no college debt.

Rose's dog.

3. What’s the “why” behind your money-saving efforts?

I want to stop worrying. I’ve had the past bunch of years on high alert, with all kinds of family, financial, legal, and career disasters, and I want to be more serene. Like Kristen!

(Note from Kristen: just so you all know: I am not always serene and I definitely do find myself worrying sometimes! )

Once my house sells, I can buy a smaller place with cash and have a tidy sum for retirement. That said, a “smaller place” here is north of $1M. Sigh.

embroidery about 2020.

Embroidery by Rose’s daughter

Reading about frugality on blogs gives me a soothing feeling, almost as if I were actually frugal!

5. What’s your best frugal win?

Buying an antique clock for $2000 at auction that’s worth about $30,000. That’s just me having an educated eye and getting lucky, really.

vintage table center.

Buying my house at just the right time: it’s now worth ten times what I paid for it in 1999.

Rose's canister collection.

Rose collects these cute little cannisters

6. What’s a dumb money mistake you’ve made?

I’m not sure I have made many. I’ve done some things that I’m not crazy about, such as emptying my 401K account, but at the time it was necessary to survive.

I do buy stupid things I don’t need now and then (and by “now and then” I mean “quite often in this pandemic because I’m bored and stressed”).

I was in the hospital in November for a week with Covid, and my mother, in a nursing home, has had Covid twice and a serious operation once in the past year. And I haven’t been able to see her

I can’t Zoom or anything like that because the cellphone I pay for her “doesn’t work” and though I’ve asked nurses there to help, they won’t.

If I could see her, I could fix the cellphone. I have to stop writing about this because I’m so frustrated with the situation. But yeah, I get annoyed and frustrated easily and buy myself something I don’t need to relieve tension.

I do, however, almost always make a good dinner from scratch every night. I will also mention that some FG recipes, such as the red sauce chicken enchiladas, have become family favorites.

7. What’s one thing you splurge on?

Antiques—I’m a ferocious collector—and self care. Twice a year I get Botox on my forehead to erase my constant angry-frown-line-squint—which I hate—and two or three times a year I get a massage.

Massages here are so expensive I don’t treat myself often enough, although I have fibromyalgia and they do me a lot of good physically.

8. What’s one thing you aren’t remotely tempted to splurge on?

Flashy cars.

My old and sensible Toyota Camry is, I joke, the Worst Car in the Hamptons (even my cleaning lady drives a better car) but it gets me where I need to go. If the memoir I’m working on is a bestseller, however, you better believe I’m buying a 1960s aqua Mustang.

Organic produce is another thing. I am not at all convinced they make an appreciable difference in one’s health. I think that’s magical thinking. I do prefer to buy more humanely raised animal products as I’m an animal lover.

9. If $1000 was dropped into your lap today, what would you do with it?

Put it towards my son’s LASIK. He’s dying for it and it’s something I want to do for him.

10. Share a frugal tip with other Frugal Girl readers

You would be surprised what you can fix yourself around the house with Youtube videos! I am the worst, most helpless stumblebum when it comes to practical skills, but I learned to re-light my gas hot water heater myself, drill holes in ceramic tile to install a shower curtain rod (after I did it, I ran around the house yelling, “I AM THE CHAMPION, MY FRIENDS”), fix appliances, and so on.

(Yes, Rose!!  You don’t need whiskers to do that. -Kristen)

I always fix my own computers and phones, too. Google what is wrong, and there will be an answer out there.

And you can watch Youtube videos as many times as you like while you try to figure out what to do and no one will be the wiser.

As for parts for appliances, they’re widely available online too. I even figured out a replacement for my 1959 Westinghouse electric range oven unit by myself. (Hey, it’s aqua colored. I am biased.) If I can do it, I assure you, quite literally anyone can.


Rose! Thanks so much for answering the questions and for sharing pictures. It was fun to get to know you better.

And I hope you get to see your mom, at least via Zoom, soon.

Readers, if you have questions or comments for Rose, leave ’em here! I’m sure she will be by to read and respond. 


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Elizabeth Macleod

Friday 19th of March 2021

You are so funny Rose!! I hope your book is a success and you can thoroughly enjoy retirement and lots of massages.


Thursday 18th of March 2021

Im so glad to read a post from someone in the ny area bc it sometimes feels impossible to be frugal here. We live in NYC and have to stay in the area for both my and my husbands careers. Everything is so expensive - daycare for two can range from $50-75k. Our apt is somehow over $1M but its tiny and falling apart. I dont think people living in other parts of the country can really understand.

Heidi Louise

Sunday 21st of March 2021

Alicr: You are right that I don't really understand, (always lived in smallish towns in the Midwest). However, if I try to scale your spending in comparison to mine, it helps me understand a bit more. You have a certain amount of salary, and rent will take a certain portion of that, and daycare another chunk, and so on. My family salaries might be much lower, and housing much lower, yet proportionately, we both have to work with what we have and need. It is difficult to uproot from (hopefully very fulfilling!) careers, family, friends, and what is familiar. I also understand how it can be frustrating to save a few pennies here and there, which still seem to make no difference in the big picture. Especially if no one else seems to be doing so.

MB in MN

Wednesday 17th of March 2021

Rose: Loved your post! Honest and humorous.


Wednesday 17th of March 2021

I loved reading this feature with Rose! Like you, I am not naturally frugal. I love the way one of the commenters used the word intentional - I think that is a great way to be frugal, in a sense. I would say that describes my approach, my husband and I really do try to be very intentional with our money and that often has us making decisions that most would not think are frugal. But it works for us!

Rose is rich! Congrats Rose.

Tuesday 16th of March 2021

I think Rose will find happiness when she decides she has enough - when she decides she has enough money (in fact, she's RICH) and that she's enough on her own (and is giving her ex husband way too much power over her letting her affect her this many years later).

"My family has deep roots here and we’ve never been rich." Yes, by American standards and global standards, you're loaded. You were rich back while working in tech. Now you have a waterfront home in the Hamptons with a guest house, and your plan is to buy a $1 million + house in cash next. And then there's paid-for college for the kids, botox, massages, antiques, etc, etc. All of those are fine! But realize you are drowning in riches and privilege. It'll make you happier in your own skin, calmer, and a more content person.


Wednesday 17th of March 2021

Of course you're right. But when my bank card doesn't go through when I'm checking out groceries, having a $$$$ house doesn't help much. I've gone through a lot since my ex left--you name it--death, illness, legal troubles, both my children had severe issues, poverty--ha, driving frantically to the electric company to avoid a turnoff, having my car repossessed--my father showed up one day to visit and said, "Where's the car?"--oh, man. Suing my ex--it's been one thing after another so I always feel on high alert, not rich and full of privilege. I hope one day soon I'll feel more secure.

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