Do you think there's a difference between being "frugal" and being "cheap"?

@thyst07 (2079)
United States
February 20, 2010 5:13pm CST
It's always a good idea to be smart with your money, but where do you draw the line between being frugal or budget conscious and being cheap or miserly? Since my husband and I are both unemployed at the moment, we have to pinch pennies wherever we can. Some of the things we do, others might consider to be cheap, but I consider it to be necessary to get by. For example, we often re-wear clothing that isn't dirty and doesn't smell bad to cut down on laundry costs. I can wear a pair of jeans for 4 or 5 days, assuming I don't spill anything on them. Some people might consider that to be cheap, but I consider it to be frugal. What I would consider to be cheap is re-wearing underwear (and also disgusting!). So how about you? Where do you draw the line? Do you do anything that some people might consider to be cheap?
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17 responses
@bystander (2292)
• Philippines
21 Feb 10
there's a whole lot of difference between the word frugal and cheap, thyst. of course, there's the spelling and the way we view it. but being frugal literally means you practice wise spending, you only buy what is necessary and look for the best price for the item. being cheap, on the other hand, literally means you go for cheap items. that's your primary consideration in buying just about anything, least price.
@thyst07 (2079)
• United States
21 Feb 10
That's another important point. Buying an item of inferior quality just because it's the least expensive, especially if you could afford a better item, could be seen as cheap. Even in my present financial situation, I am willing to pay more for an item that is going to work better or last longer than the less expensive version- for example, I never buy "cheap" shoes because they wear out quickly and are bad for my health.
@bystander (2292)
• Philippines
21 Feb 10
in the long run, expensive items that work longer and more efficiently, are cheaper. economies of scale at work here, thyst. but sometimes, the money is just not enough but the need is urgent, so it's already a judgment call.
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@bystander (2292)
• Philippines
23 Feb 10
@kaylachan (57974)
• Daytona Beach, Florida
21 Feb 10
Like you I have to shave money where i can find it. We will go out of our way to buy food further away from our home in order to get the food for the cheepst price. In this world you do what you have to do even though it sounds stupid. But, I do what I can to try and make my money streach.
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@thyst07 (2079)
• United States
21 Feb 10
We drive around town for cheap groceries, too, but not if it's only a difference of a few cents. It doesn't make sense if the cost of the gas to get there is more than the amount you'd save.
@thyst07 (2079)
• United States
21 Feb 10
I wish I could ride my bike to the store when I just needed a couple of items, but that's unrealistic in this city. Most areas of this city are not bike or pedestrian friendly and I wouldn't feel safe biking. I typically only make one grocery trip per week, and the two stores where I normally find the best prices are right next to each other. So I don't spend a ton of fuel on it.
• Omagh, Northern Ireland
21 Feb 10
Funny,I'd consider saving on expensive fuel and car costs by shopping locally before driving out of my way for a bargain! If I just want a few items I'd have run out of,I'll take the bike out rather than take the car for a topup shopping trip...
@tigerdragon (4297)
• Philippines
1 Mar 10
yup, i agree that frugality is different from being cheap. being frugal means being smart with your spending while being cheap is spending money on things you do not need. Being frugal is about quality , making right decisions but still maintain it's practicality and being cheap means one is not wise in spending, buying stuff or spending on lower quality items that they would end up buying it again and again. We only spend on stuff that needs to be spent on and refrain from spending more than we should, collecting stuff we do not need.
• Philippines
4 Mar 10
oh,okay.
@thyst07 (2079)
• United States
1 Mar 10
I don't think we're working with the same definition of "cheap." I think the general consensus is that someone who is "cheap" avoids spending money by any means possible- they would rarely buy something that they don't need.
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@hvedra (1619)
25 Feb 10
Cheap is wanting stuff without having to pay. Frugal is learning to do without the stuff. I'm pretty price concious, even to where the 5p difference on a can of beans from one store to another is noted in my head - I stock up on the cheaper ones when I go to that store. The beans are either 25p a tin or 20p a tin and if you look at it as saving a _percentage_ of 20% off then it looks far more interesting. If we saw a sticker that said 20% off we'd understand the bargain better. If I can repeat that across most of the grocery bill, then 20% off the annual grocery bill sounds fantastic. Pinching the pennies really works. We have more opportunities to employ the small frugal strategies every day so they add up over the months.
@thyst07 (2079)
• United States
25 Feb 10
You're right- even small savings on small items add up, so doing price comparison to make sure you're getting the best price is one of the best ways to be frugal.
1 person likes this
• United States
21 Feb 10
There is definitely a difference between cheap and frugal. Frugal is when you do things to save money and spend wisely. Cheap is when you have the money but do without because you can't bare to part with that rusty money in your pocket. Cheap is when you have the money to go out to eat but don't leave an appropriate tip. Frugal is taking the money you would have spent in that restaurant and going to the grocery store and buying enough for several meals. We all do what we have to do, I don't think you are being cheap, I think you are being conservative and spending your money wisely.
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@thyst07 (2079)
• United States
22 Feb 10
It doesn't make a difference for our cost whether we use cold or hot water...it's $1.25 per load either way. But we do use cold water anyway because it uses less energy and is better for the environment. And once we actually have outdoor space of our own, we'll put up clotheslines too.
• United States
21 Feb 10
Oh yes and I wanted to add, I don't wear clothes several times either but I do wash all of my laundry in cold water and I hang things on hangers to dry sometimes.
1 person likes this
• Philippines
21 Feb 10
hi there i do understand where you are coming from since i am also unemployed at the moment. With regards to your question on drawing the line between being cheap and frugal.For me there is a lot of difference. Being frugal means knowing and choosing something that costs less but still does what you need it to do.Branded products usually contain ingredients/materials that you can find on other less known brands and the only reason that they cost a lot is because of the marketing and endorsements for the product. Wherein being cheap for me is not buying something that you really need for yourself just so you can save up.Believe me it will only cause trouble for you afterwards. I havent done anything cheap yet nor did i experience being called cheap.I guess its because of the fact that most of my friends are also unemployed and conscious of the way they spend :)
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@thyst07 (2079)
• United States
21 Feb 10
It's good that you have friends who understand your need to be frugal- it can be much easier when you have support. For us, it's difficult to make friends because most of our peers have plenty of money and are only interested in doing activities that cost money.
• Philippines
22 Feb 10
Yeah i consider myself fortunate that i have friends like that and i do agree that it is easier to keep track of your expenses when you are surrounded by those who understand where you come from. I usually avoid people who have no regard on how they spend their money and if ever i do get to hang out with them i don't go all out like they do.I think its a destructive habit and it will only cause problems in the future. I guess its just ingrained in me that i should be wise when it comes to spending plus the fact that i don't have any vices to support except for my addiction with surfing.
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@laglen (19759)
• United States
21 Feb 10
I guess we would be considered cheap. I dont think you can be too frugal as long as your needs are being met - food, shelter, etc. Regarding your laundry, there isnt a thing wrong with wearing your clothes until they are dirty. I have stopped giving rides unless it is an emergency. I have always been very generous, I am the one when you go out to lunch, I always want to pick up the bill. Now, I offer to bring homemade lunch! You should check out the frugal discussions on this site, very helpful. Good luck on your frugal living!
@thyst07 (2079)
• United States
21 Feb 10
Homemade lunches are an essential way to save money! As a kid, my grandma always packed my lunch- getting hot lunch at school was a rare occasion. And I've carried that habit into my adult life. Food from home is so much less expensive than going out for lunch every day, and it's much healthier too!
@ShepherdSpy (8544)
• Omagh, Northern Ireland
21 Feb 10
Frugal is going to the supermarket,using coupons and buying own brand products rather than more exprnsive branded Items..Cheap is going out to a Restaurant and saving money by not tipping!
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@thyst07 (2079)
• United States
21 Feb 10
I firmly believe that if you can't afford to leave a tip, you can't afford to eat out. Go to a fast food place or somewhere that doesn't expect or accept tips. Or better yet, save your money and eat a meal in.
@bird123 (10632)
• United States
21 Feb 10
Frugal is when you are conservative with yourself. Cheap is when you are conservative with others.Soap isn't the thing to be conservative with. People who aren't clean rarely smell themselves.Only wash full loads. Use a clothesline on sunny days.Search everywhere for there is always some company giving away free samples of soap.
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@thyst07 (2079)
• United States
21 Feb 10
Ok, not sure where the soap thing came from, but I definitely don't skimp on soap. I don't buy shampoo or hair conditioner though, because I use baking soda and vinegar- it works better for my hair. I also don't buy cosmetics. So I have plenty of room in my budget for plain old soap!
@andy77e (5156)
• United States
21 Feb 10
re-wearing underwear is a bit nasty, and smelly. So I'll pass on that. But waring jeans 4 times a week? I do that all the time. What is considered "being cheap" depends greatly on how much money you have at the time. For example, when I was broke, I never bought people presents for Christmas. That's not being cheap because I was broke. Now, I have over $2,000 in the bank. So if I were to do the same today, that would be being cheap. Never go out to eat. Never buy pre-made meals. No candy, no presents. Whatever I need to do to save money. That's how it works. But you need clean smelling clothes to go to an interview. So I am always going for clean underwear.
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@thyst07 (2079)
• United States
21 Feb 10
I sometimes feel badly that I can't afford gifts for people. Christmas doesn't bother me because I don't celebrate Christmas, but I wish I could get my best friend something for her birthday, or that I could have gotten my husband something for our anniversary. But fortunately, most people are understanding and don't get upset when we don't get them presents.
@voldrox (7191)
• India
21 Feb 10
when it comes to money crisis there are only a few things that would seem to be cheap, being frugal and cheap are two totally different things.. wearing a jeans for 4 to 5 days isn't anything unusual i mean i guess most people do wear them for that long and besides some people are frugal minded despite having sufficient money.. being cheap can be related to being too selfish and silly..
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@thyst07 (2079)
• United States
21 Feb 10
That's a good point- you don't have to be on a low income to be frugal. Even when I have more money someday, I intend to still be careful of my spending and not waste money on things I don't really need or even want.
• United States
21 Feb 10
I think you draw the line, with what you can or cannot afford, if you and your husband are right now unemployment, this is the time to save as much money as you can, but if you guys would be doing those things while having both really nice jobs, then you guys would be consider cheap, I am also frugal, I don't go to the mall just to shop as an sport, I go to the mall if I need to buy something, for me the key is make a budget of what you can afford and what you can't.
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@thyst07 (2079)
• United States
21 Feb 10
Even if I had a ton of money, I still don't think I'd go shopping as a form of entertainment. I don't believe in buying a bunch of stuff that you don't need, and probably won't want in a week either. For me, the mall is a good place to take a walk and get some exercise without freezing my butt off. I haven't spent a cent in the past 4 or 5 times I've been to the mall.
@hawkida (51)
• London, England
21 Feb 10
It's largely a matter of perspective, but "cheap" has bad connotations. If you're frugal the implication is that you need to save and be careful with your money, while being cheap is just being greedy and miserly and optiong out of paying for things you could well afford. It's a criticism likely to be levelled at someone by another individual who feels they are losing out as a result of the first person being careful with money - for example, if they don't buy gifts at holidays then someone expecting to receive one may throw the "cheap" criticism around in a bitter manner.
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@thyst07 (2079)
• United States
22 Feb 10
I used to call certain customers cheap behind their backs when I worked serving coffee. The coffee shop I worked in was in a really upscale home furnishings store, so if a person even walked through the door it was a given that they had money, and lots of it. I had customers who would buy a $5 super-customized latte every day, but never once leave a tip. That's what I call cheap.
@Acepect (22)
• Philippines
21 Feb 10
there is nothing wrong with what you are doing. it's not bad to save a bit of money. specially when both of you dont have a work.. just be your self.
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@thyst07 (2079)
• United States
21 Feb 10
Well, it'd be awfully tough to be anyone other than myself. Thanks!
• United States
21 Feb 10
I think in your case you are doing what you have to do. Cheap is when you have the means but extreme refusal to spend the money. Frugal is not just being a lil cheap but being green and being concious of your expenses and or work on a small budget. Cheap is my Aunt who takes the sugar packets from restaurants to save up in gallon jugs of milk. Or refusing to pay for the script if the Dr will give her all the samples she wants when she can afford to pay CASH for a spanky new car ^& I don't mean the $1500 junker on the corner lot either.
@thyst07 (2079)
• United States
21 Feb 10
I think I view cheap the same as you do- if you have the means for something, but you choose not to pay for it, often in a way that cheats or hurts other people.
• United States
21 Jul 10
I agree with you that it is good to wear pants more than one day. I change my pants every three days. Also, I do not keep the lights on unless I need them. I also do laundry once a week (I have tried to cut back to doing it every other week, but it does not work). I am sorry that you and your husband are both out of work right now. I know money is tight for a lot of people. My husband works parttime and the stress is getting to him so badly that it is affecting his health. I hope I can find something soon so he can quit. Lately, his blood sugar has been sky high and last night he threw up blood. It is so scary. I wish you the best of luck.
• United States
20 Feb 10
Hi, Seriously, I can't think of anything off the top of my head.Honesty, probably I never really thought about it, or care for that matter.I just do what I do, so should you. I think what you are doing is not cheap, its called doing what you have to do right now, That's all that matters.
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@thyst07 (2079)
• United States
21 Feb 10
We all do what we have to. It's not a question that really bothers me, it's just a curiosity point.