Frugality isn't just about saving money. This article here says exactly what I'm thinking. To me, frugality is about being efficient, which means you spend the right amount of energy, time and money without wastage. And efficiency varies according to the different life stage that you're in. For example, when I was a student with very little pocket money to spare, I'll go all the way to some cheap bargain sales at Peninsula Plaza to buy a pair of track shoes. There are many shops there that are in close proximity to each other, and you can bargain there, so it'll be easier to find something good and really affordable. But the downside is that to save that $20-$30 bucks, you might have to spend 1 to 3 hrs there. While I would certainly do that in the past, I wouldn't care to do it now. What had changed? My ......