Frugal Theory

Frugal Theory is a school of thought that focuses on obtaining greater value through economical choices. Frugality is a mental exercise and real world practice of allocating personal finances, time, energy, space, and other resources in order to maximize value.

There are a wide variety of people practicing different types of frugal lifestyles. Some people may simply be careful coupon-clipping grocery shoppers trying to save an extra $50 per month. Others are minimalists who try not to buy things they don’t need. Others may be attempting to live off-grid sustained by their property. And some are saving everything they can so they can retire early.


The more frugal someone lives the more likely they are to experience frugal prejudices. Common criticisms are that frugal people are cheap, suffering, poor, or just not “living life” in a normal enough way to be happy. While some people do fit these stereotypes, there are many frugal practices with sound reasoning behind them and many benefits. Because these practices require research and thought, many frugal ideas are not part of conventional wisdom despite their benefits.

Being frugal doesn’t mean being cheap. It means making choices that create greater financial freedom, value, and happiness.


The goal here is to share ideas and information that helps people make better financial choices, get more value out of what they have, and get more out of their resources with the goal of financial freedom. will share practical ideas that the average person can implement. Topics will include personal finance, investing, smart shopping, do-it-yourself projects, affordable and healthy cooking, minimalism, reuse, sustainability, mental discipline, and more.