I figure that the first step in starting this blog is to share more about how I arrived at the conclusion that I should live frugally. If you already know me, this may be old news. Feel free to skim. Here we go… I went to a private university for 5 years, and in that time, I took out close to $25,000 in student loans to fund my education. I married my husband Fred a month after we graduated. He…