<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//thefrugalexpat.com/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://thefrugalexpat.com/</loc>
		<lastmod>2024-10-10T14:05:07+00:00</lastmod>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/05/Budgeting.001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2025/11/Loan-Expenses_Depositphotos_421251862_L-600x600.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/09/%E2%80%8Ehome-alone.%E2%80%8E001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/%E2%80%8EMachu-Picchu-Peru.%E2%80%8E001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/01/Middle-aged-businessman-thinking.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/10/Handwritten-Thank-You-Cards.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/12/Woman-planning-budget-for-travel.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/05/Therapy.001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/06/Job-interview.001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/10/%E2%80%8ETravel-bug.%E2%80%8E001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/Job-fairs.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/Attractive-woman-saying-no.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/10/budgeting-on-fixed-income.001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/%E2%80%8Ebuying-a-house.%E2%80%8E001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/05/Retirement-Skeptic.001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/02/youtube-exercise.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/08/Couple-discussing-mortgage.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2025/07/automation.001-870x570.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/Couples-getting-advice-from-Financial-Advisor.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/09/%E2%80%8Ewow.%E2%80%8E001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/08/Braga-Portugal.001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/%E2%80%8ESalzburg-Austria.%E2%80%8E001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/12/Harvard-University-Massachusetts.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/10/%E2%80%8EThings-to-do-in-Asheville.%E2%80%8E001.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/income-calculator/</loc>
		<lastmod>2026-03-24T23:10:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/personal-financial-consulting/</loc>
		<lastmod>2025-05-05T02:26:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/shop/</loc>
		<lastmod>2025-02-19T01:07:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/about/</loc>
		<lastmod>2024-10-13T23:36:32+00:00</lastmod>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2021/05/Steve-picture.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/editorial-policies/</loc>
		<lastmod>2024-08-08T05:02:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/privacy-policy/</loc>
		<lastmod>2024-02-12T00:41:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/contact-us/</loc>
		<lastmod>2024-02-11T22:46:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/home-2/</loc>
		<lastmod>2024-02-02T20:11:54+00:00</lastmod>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/05/Budgeting.001.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2025/11/Loan-Expenses_Depositphotos_421251862_L-150x150.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/09/%E2%80%8Ehome-alone.%E2%80%8E001-150x150.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/%E2%80%8EMachu-Picchu-Peru.%E2%80%8E001-150x150.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/01/Middle-aged-businessman-thinking-150x150.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/10/Handwritten-Thank-You-Cards-150x150.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/05/Therapy.001-150x150.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/08/Braga-Portugal.001-150x150.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/10/budgeting-on-fixed-income.001-150x150.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/%E2%80%8ESalzburg-Austria.%E2%80%8E001-150x150.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/12/Harvard-University-Massachusetts-150x150.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2025/10/Home-security-150x150.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/05/Budgeting.001-300x169.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2025/11/Loan-Expenses_Depositphotos_421251862_L-300x169.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/08/Couple-discussing-mortgage-300x169.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2025/07/automation.001-300x169.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/Couples-getting-advice-from-Financial-Advisor-300x169.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/%E2%80%8EMachu-Picchu-Peru.%E2%80%8E001-1024x576.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/12/Woman-planning-budget-for-travel-1024x576.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/01/Middle-aged-businessman-thinking-300x169.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/06/Job-interview.001-300x169.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/10/%E2%80%8ETravel-bug.%E2%80%8E001-300x169.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2023/11/Job-fairs-300x169.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/start-here/</loc>
		<lastmod>2024-01-05T01:17:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/blog/</loc>
		<lastmod>2022-10-27T22:58:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/archives/</loc>
		<lastmod>2022-02-14T08:17:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/story-explorer/</loc>
		<lastmod>2022-01-05T22:50:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/net-worth/</loc>
		<lastmod>2021-10-27T06:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/resources/</loc>
		<lastmod>2021-08-31T07:45:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/investing/</loc>
		<lastmod>2021-08-30T02:50:51+00:00</lastmod>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/05/Budgeting.001-1024x576.jpeg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2024/05/Budgeting.001-1024x576.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/saving/</loc>
		<lastmod>2021-08-30T01:25:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/debt-free-journey-2/</loc>
		<lastmod>2021-08-30T01:23:50+00:00</lastmod>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2021/06/Debt-Free-Journey.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/it-takes-two-to-fire/</loc>
		<lastmod>2021-08-04T04:18:13+00:00</lastmod>
		<image:image>
			<image:loc>https://thefrugalexpat.com/wp-content/uploads/2021/05/it-takes-two-to-fire-1-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/home/</loc>
		<lastmod>2021-07-08T01:20:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/disclaimer/</loc>
		<lastmod>2021-06-02T09:11:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/interview-series/</loc>
		<lastmod>2021-06-02T08:58:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/financial-independence/</loc>
		<lastmod>2020-09-24T03:51:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://thefrugalexpat.com/cookie-policy/</loc>
		<lastmod>2020-07-02T06:49:06+00:00</lastmod>
	</url>
</urlset>
<!-- XML Sitemap generated by Rank Math SEO Plugin (c) Rank Math - rankmath.com -->