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Homesteading in Zone 5 — the honest math behind frugal living

Onondaga County, NY · ryan@ryanzarnowski.com

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Home
About
What I Cover
My Approach
Blog
FAQ
Contact

Ryan Zarnowski

Frugal living, one honest number at a time.

Fifteen years in lending taught me how banks make money. Now I help families keep theirs — with real budgets, honest failures, and the true cost of homesteading in a cold climate.

Contact

ryan@ryanzarnowski.com
near LaFayette,
Onondaga County, NY

© 2026 Ryan Zarnowski. All rights reserved.

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