{"id":138003,"date":"2021-04-18T02:00:00","date_gmt":"2021-04-18T06:00:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=138003"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"frugal-smart-minimalist-or-stingy","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/frugal-smart-minimalist-or-stingy\/","title":{"rendered":"Frugal, smart, minimalist or stingy?"},"content":{"rendered":"\n

Frugal, smart, minimalist or stingy?<\/h2>\n\n\n\n\n\n

I am interested in earning credit card and rewards programs <\/a>points. The goal is essentially to allow me to do trips that I could not do otherwise<\/strong>.<\/p>\n\n\n\n

You know, business class on a long-haul flight that costs close to $5,000… I wouldn’t pay fort that. Or just being able to treat my own. Let’s go, three plane tickets to the Magdalen Islands. It makes everyone happy and the expense is small. I’m a hybrid type: both a minimalist and a smart consumer<\/strong>. I mean, I think so.<\/p>\n\n\n\n

I’ll tell you right away: on the Web, there is no consensus on the use of the different concepts related to the world of expenses, but I’ll present you what I remember.<\/p>\n\n\n\n

What type are you?<\/h2>\n\n\n\n

The frugal<\/h3>\n\n\n\n

Some people have the same hobby as me, but their goal is different: they are aiming for cash back on the daily expenses they incur with their credit cards<\/strong>. You should see their Excel spreadsheets that show their earnings optimization.<\/p>\n\n\n\n

Of this group, some stand out by claiming that if their expenses become less than what is earned, they can use the difference to pay off debt, save or invest<\/strong>. Not crazy. They are even aiming for retirement at age 40<\/a>. Well, let’s say fifty for others. The phenomenon has a name: frugality<\/strong>.<\/p>\n\n\n\n

The frugal person aims to spend as little as possible because he or she wants financial autonomy above all else.<\/strong><\/p>\n\n\n\n

In this same line of thought, many young people aspire to become (or already are) digital nomads. They work from their computers in a part of the world they like and live on a small budget: little earning, little spending. As Wikipedia would say: \u201cWork less and live better, even if it means earning less<\/strong>\u201d<\/p>\n\n\n\n

, a good example of frugality.<\/p>\n\n\n\n

\"Frugal,<\/figure>\n\n\n