To start in proper - Saving is the act of spending less than you earn in income, and placing the remainder into a reserve account for later use. How much ability to save ties somewhat to frugality. Being Frugal To me it could means minimize wastage. It can be avoiding large wastage of uneaten food. Imagine the amount of saving from uneaten food of each meal as it forms a large part of our basic cost. However, we cannot trade it over balance diet else illness may visit us which will cost a lot more. Fortunately I do not have crave for titbits and soft drinks. So on both health and saving wise, stars are aligned for me. If we do often enough, drinking Starbuck instead of KopiTiam where the marginal utility may not be very wide for me, saving could be quite significant. Probably 3 times.  So frequency matters in this case. If it provides high satisfaction for your life, do go ahead for your daily Starbuck, while I enjoy my kopi siew tie !...