I like your blog, lots of good opinions and ideas to consider. However, in my book I would have to say that you are definitely not frugal, maybe a “frugal in training.”

To be frugal you I would say you have to give up some of the eating out (not all), you would watch your grocery bill at least somewhat and you would likely avoid the impulse buys.

Being frugal doesn’t mean you never spend any money or never splurge but it does mean that you have come to realize that you must count your pennies before you count your dollars. It’s often not the big sales that get you, it’s the cummulative small purchased that add up without you knowing.

What percentage of your income do you save each year? Even if double the current average a 14% savings rate would mean that every $1 saved is the same as earning $7. Keep in mind, when you earn $7 a portion goes to taxes, rent, heat etc… Only $1 goes into savings. How much effort is required to earn $7? How easy is it not to spend?

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