Times are tough for a lot of people right now. Many people are feeling the pinch due to a loss of job or reduced income. What’s the solution to this? It’s not always possible to work more. Sometimes it’s easier to cut costs than earn more money (as one of our followers on Instagram said). So, how can you downsize your budget to survive the loss of income? When I asked Richard his opinion on how to save money, his reply was simple: Don’t spend. That’s it. Bottom line: Be frugal. Cut costs. But…