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.

Frugal Practices

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 possibly can so they may retire early.

Some general categories of frugal practices that will be covered here include:

  • Frugal Theory category brainstorm.
    Frugal Theory category brainstorm.

    Personal Finance, budgeting, and investing.

  • Lifestyle, goals, wanting and using less.
  • Sustainability, efficiency, reuse and re-purposing.
  • Food that is filling, in season, on sale.
  • Do it yourself when possible rather than buying everything.
  • Shopping smart, buying value rather than price.


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 more benefits than drawbacks. Many frugal ideas are not part of conventional wisdom despite their benefits because these practices generally require extra work, research, and/or thought.

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.

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