Frugality And Ethics - Are You Being Cheap, Frugal, or Stealing? (2024)

Last month, I publishedFrugality And Ethics – When Is It Stealing? The post was very popular and everyone had an opinion on what was stealing and what was not. Also, many of you gave me new ideas, and I wanted to hear everyone’s input on the situations below. So, I, of course, wanted to publish…

Last month, I publishedFrugality And Ethics – When Is It Stealing? The post was very popular and everyone had an opinion on what was stealing and what was not. Also, many of you gave me new ideas, and I wanted to hear everyone’s input on the situations below. So, I, of course, wanted to publish a Part 2 to the post!

I don’t think that there is anything wrong with saving money (this is a personal finance blog after all), but I do wonder how far people will go to save money – whether it be $1 or $2 or a few hundred dollars.

No one is perfect, and I definitely am not. However, when does frugality or cheapness cross the line and turn into stealing?

Using another person’s wi-fi.

This is something that probably a lot of people are guilty of, or have been guilty of in the past. This is where you use someone else’s wi-fi so that you can get on the internet for free.

Some of you said that if there is no password to the internet account, that it’s free range for anyone to use.

However, I think that you should always pay for your own wi-fi. You might be slowing down the internet for someone else, and they might not even realize that their wi-fi isn’t password protected.

Always protect your wi-fi account! –I also remember discussing a case when I was in college about someone who had unprotected wi-fi and it turned out that their neighbor was searching something illegal. The SWAT team showed up at their door, created a huge scene, took the computers, and destroyed the person’s house all because the neighbor was searching something illegal.

Sharing accounts with others.

This is where someone has an account and multiple people/households share that one account so that only one person is actually paying for the service or product. I have heard of many people doing this with Netflix…

Netflix and other companies have specifically stated that it’s stealing, so yes, I believe it is stealing.

Drinks at a restaurant.

There are three different situations that I would like to share with this one…

1. Paying for one drink and sharing it between two people. The first person might order a soda and the second person orders a water. However, the second person never actually touches the water and only drinks the soda. – I think this is stealing.

2. Asking for a water cup but filling it up with something besides water (such as a soda).– I think this is stealing.

3. Asking for water, a bowl of lemons (I’m talking 4 or 5 whole lemons), and sugar so that you can make your own lemonade.– I think this is being cheap/frugal. I wouldn’t do this though… I know waiters and waitresses hate it when customers do this.

Signing up for something to get something for free.

There are a couple of situations that this applies to. This is when you sign up for something knowing that you won’t buy anything, so that you can get a product or service for free for trying something out. Since Wes used to work in sales, I wouldn’t do either of the situations below just because I don’t like to waste people’s time…

My first example applies to timeshares. Many people listen to timeshare presentations even though they know they will not buy a timeshare, so that they can get whatever it is for free that the timeshare workers are pitching (free movie tickets, free vacation, etc.).

My second example applies to getting professional makeup done. Usually makeup counters/companies at the mall and/or department store will offer free makeup applications as long as you buy something for from them. Some require that you pay upfront, whereas others give you the “option” to pay at the end. I have heard of some people getting a free makeup application knowing full well that they do not plan on buying any makeup afterwards.

Learn more at How To Get Rid Of A Timeshare – Stop Wasting Your Money!

Taking condiments.

This is where you go to a restaurant and take a bunch of condiment packs so that you can bring it home and put it in your fridge.

I have received extra packs before (such as from a takeout order), but I have never gone out of my way to take condiments.

Disputing items on your credit card.

In many cases, you can dispute a transaction on your credit card bill that is less than $25 and your credit card company will just automatically refund you because it’s not worth their time to investigate the problem.

I have heard of people who dispute many transactions each year and take advantage of this…

I don’t do this. I believe it is stealing. I have only ever disputed one item on my credit card bill before, and that was because a restaurant accidentally charged me twice for the same meal.

Have you ever done any of the above? What do you think of these situations?

What other examples can you think of?

Frugality And Ethics - Are You Being Cheap, Frugal, or Stealing? (2024)

FAQs

Am I cheap or frugal? ›

A cheap person might be stingy about things like clothes but could be lavish with their food purchases. Whereas a frugal person might be stubborn and resist buying new clothes as "they are not a good deal at the moment", which is something you would also expect a cheap person to do.

What is frugality in ethics? ›

We can define frugality as art de vivre, which implies low material consumption and a simple lifestyle to open the mind for spiritual goods such as inner freedom, social peace, justice, or the quest for “ultimate reality.” Frugality as a conception of the good life has deep philosophical and religious roots in the East ...

What is an example of frugality? ›

For example, a frugal person might buy a $99 coffee maker that will last a decade instead of a cheap $15 coffee maker that may not even make it a year. They may spend more up front, but the goal is buying items that last and consuming less overall.

Is being frugal not being cheap? ›

“Frugality focuses on value, quality and relevancy rather than just price. If you're being cheap, that may mean you're worried about spending money, while a frugal person is not as much concerned about spending money but rather what they are spending on and if it's worth the cost.”

Is being frugal a good or bad thing? ›

Humans are riddled with money fears, anxiety, financial FOMO, and every other negative feeling under the sun. But being frugal can ease financial stress significantly. Because when you spend less money, you can naturally avoid debt, create a bigger savings pile, and otherwise build more financial security in your life.

What makes a person cheap? ›

You know you're cheap if you: Don't care about the quality of the item, you only care about the price. Like to brag about how little you've spent. Always buy the lowest cost item.

What is being frugality? ›

noun. fru·​gal·​i·​ty frü-ˈga-lə-tē Synonyms of frugality. : the quality or state of being frugal : careful management of material resources and especially money : thrift.

What is my own meaning of frugality? ›

Frugality is the quality of being frugal, sparing, thrifty, prudent, or economical in the consumption of resources such as food, time or money, and avoiding waste, lavishness or extravagance.

How do you show frugality? ›

Here are some of the ways to embrace a frugal lifestyle.
  1. Make A Budget. ...
  2. Rein In Entertainment And Dining Out. ...
  3. Save Money On Groceries And Home Goods. ...
  4. Slash Money On Home Expenses. ...
  5. Spend More Effectively On Self-Care. ...
  6. Find Ways To Cost-Cut On Necessities. ...
  7. Make The Most Of Your Spending. ...
  8. Reconsider Unneeded Spending.
May 4, 2023

What is frugal in your own words? ›

economical in use or expenditure; prudently saving or sparing; not wasteful: What your office needs is a frugal manager who can save you money without resorting to painful cutbacks. entailing little expense; requiring few resources; meager; scanty: a frugal meal.

How can a person be frugal? ›

Prioritize value over price

But similar to focusing on quality, living a frugal lifestyle also means prioritizing value over price. So when you spend—whether on physical items or services—focus on what you get for your money instead of just the cost.

What is frugal behavior? ›

Definition of Frugal Behavior. Frugal behavior implies a voluntary, deliberate, and proactive decision, not tied exclusively to circ*mstances associated with the economic structure and financial conditions (Muiños et al., 2015).

How to tell if you're cheap? ›

15 Signs You Are Being a Cheap Person
  • Letting DIY Turn into BIY (Break It Yourself) ...
  • Sneaking Refreshments Into Movies. ...
  • Hoarding at Home. ...
  • Stockpiling Condiments. ...
  • Reusing Paper Goods. ...
  • Doing Only Free Activities. ...
  • Being Nosy about Other People's Money. ...
  • Always Snagging Leftovers.
Dec 7, 2022

What is the definition of being cheap? ›

cheap adjective (UNGENEROUS)

unwilling to spend money: He's so cheap he didn't even buy me a card for my birthday. SMART Vocabulary: related words and phrases. Mean with money. begrudge.

How do cheap people behave? ›

Cheap people will do anything to save money, even if it is at the expense of other people. This can be frustrating whether you're dealing with coworkers to friends and family. It's important to deal with these types of people correctly in order to preserve relationships.

What personality type is frugal? ›

Budgets, savings accounts, and retirement plans take priority over impulse purchases for the dutiful Sentinels. Defenders (ISFJ) (69%) were the most likely personality type to identify as frugal, followed closely by their Thinking-type counterparts, the Logisticians (ISTJ) (67%).

How do you know if you're cheap? ›

15 Signs You Are Being a Cheap Person
  • Letting DIY Turn into BIY (Break It Yourself) ...
  • Sneaking Refreshments Into Movies. ...
  • Hoarding at Home. ...
  • Stockpiling Condiments. ...
  • Reusing Paper Goods. ...
  • Doing Only Free Activities. ...
  • Being Nosy about Other People's Money. ...
  • Always Snagging Leftovers.
Dec 7, 2022

How to be frugal instead of cheap? ›

15 Tips for Living Frugally Without Looking Cheap
  1. Eliminate monthly subscriptions.
  2. Shop for new insurance.
  3. Reduce prescription costs.
  4. Buy used items.
  5. Rent, don't own.
  6. Purchase at the right time.
  7. Buy high-quality products.
  8. Enlist your friends.

What is the difference between frugal and minimalist? ›

Frugality generally favors bulk buying

This flies straight in the face of minimalist approaches, which focus heavily on minimizing the number and volume of physical objects owned. Furthermore, a minimalist is likely to gravitate toward a smaller home, which means that there's less storage space for bulk buying.

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