{"id":8068,"date":"2022-09-12T04:15:42","date_gmt":"2022-09-12T11:15:42","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=8068"},"modified":"2024-01-07T08:28:04","modified_gmt":"2024-01-07T16:28:04","slug":"you-can-call-me-almost-anything-but-please-dont-call-me-cheap-3","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id8068-you-can-call-me-almost-anything-but-please-dont-call-me-cheap-3.html","title":{"rendered":"What Is the Difference Between Cheap and Frugal?"},"content":{"rendered":"

\"\"<\/a>Depending on who you talk to, the economy may or may not be booming — but it seems like there are always more than a few people who are looking to find additional and more creative ways to save a buck or two. The trouble starts when they cross the fine line between frugal and cheap.<\/p>\n

With that in mind, I recently had lunch with a friend of mine who called me a cheapskate because I dared to bring home a healthy handful of extra napkins that an overzealous fast-food server had placed on the tray with my meal.<\/p>\n

“I’m not cheap,” I told him.<\/p>\n

“Oh yes, you are!”<\/p>\n

“Really?”<\/p>\n

“Really.”<\/p>\n

I just stared at him for a few seconds with that “WTF?” look before I finally broke the silence. “I forgive you.”<\/p>\n

“You forgive me<\/em><\/strong>?” my friend said, “For what?”<\/p>\n

“For being a moron who doesn’t know the difference between cheap and frugal.” (And, no, I didn’t use the term moron.)<\/p>\n

Of course, my buddy and I were just having a little good-natured fun with each other but, still, that little episode got me to thinking: “What <\/em>is the difference between cheap and frugal?”<\/em><\/p>\n

Oh sure, there are the usual examples of a typical cheapskate. For example, purposely grabbing hundreds of ketchup packets — or, um, napkins — from a restaurant. But there are other, subtler, differences too.<\/p>\n

The Difference Between Cheap and Frugal is a Fine Line<\/strong><\/p>\n

Frugal folk have a long-term, pragmatic, approach to saving money; most wealthy people, including your typical millionaire next door neighbor<\/a>, are naturally frugal. On the other hand, short-term thinking plagues the cheapskates among us. For example, deciding to save a little money upfront by not buying a business suit to wear for job interviews.<\/p>\n

Unlike cheapskates, frugal people not only understand that a penny saved is more than a penny earned<\/a>, but that those saved pennies are meant to be eventually spent in the pursuit of happiness. Cheapskates tend to save money simply for the sake of, well, saving money.<\/p>\n

There are other indicators. The frugalistas of the world are concerned about getting value for their money. Cheapskates usually aren’t willing to pay more for quality<\/a>; for them, the only thing that matters is the number on price tag.<\/p>\n

And while frugal people can be generous, cheapskates find it difficult to be so. I’m frugal, but I’m not afraid to occasionally pick up the entire tab for dinner when I’m out with friends. I know many other frugal folks who are the same way too. That would never happen with a cheapskate.<\/p>\n

Here’s another tell: The next time you’re out dining or shopping, and want to know whether a decision you make is a sign of healthy frugality or distasteful cheapness<\/a>, ask yourself whether your action is affecting you alone — or those around you too. Frugalistas tend to make decisions that only affect themselves. On the other hand, money decisions made by typical cheapskates usually affect those around them. For example, a frugal person would never shortchange a waiter on a well-deserved tip just to save a couple bucks; the cheapskate, however, wouldn’t think twice.<\/p>\n

While being frugal has an almost heroic quality to it, being “cheap” has always come with a stigma. After all, nobody<\/em><\/strong> appreciates the tightwad label. After all, striving to spend less than you earn and saving money are noble endeavors, but, like anything else in life, pinching pennies can be taken way<\/em><\/strong> too far — which is why many people end up being characterized by others<\/a> as selfish and stingy.<\/p>\n

As for whether disparaging labels like that are really warranted, well, that ultimately depends upon whether you’re cheap or frugal.<\/p>\n

Which one are you?<\/p>\n

Photo Credit: David Hilowitz<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Depending on who you talk to, the economy may or may not be booming — but it seems like there are always more than a few people who are looking to find additional and more creative ways to save a buck or two. The trouble starts when they cross the fine line between frugal and […]<\/p>\n","protected":false},"author":1,"featured_media":46985,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[480,466,467],"tags":[],"class_list":{"0":"post-8068","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-frugal-living","8":"category-saving","9":"category-shopping","10":"pmpro-has-access","11":"entry"},"yoast_head":"\nWhat Is the Difference Between Cheap and Frugal?<\/title>\n<meta name=\"description\" content=\"There's a fine line in defining the difference between cheap and frugal. 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