Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Are you frugal or a cheap b@$t@rd?
Old 09-04-2007, 05:17 PM   #1
Recycles dryer sheets
 
Join Date: Jun 2007
Posts: 316
Are you frugal or a cheap b@$t@rd?

Signs that you are frugal include....

1. go shopping or to a movie on a Tuesday (10% off day here)

2. go to the auto wrecking yard to get a part for their car.

3. cut coupons

4. take in empty bottles for refund

5. buying a car that has already depreciated a bit


Signs that you are a CB include....

1. Buying something with the intent of using it once for your purpose then returning it to the store.

2. Not offering to pay for gas when someone goes out of their way for you.

3. Returning borrowed items broken or out of gas.

4. Not giving a reasonable tip for good food service.

5. Finding a way to get out of paying for a "round" when it's your turn.

6. Buying whatever beer/wine/pop is on sale not because you like it, but because it's cheap (don't try to lie to yourself on this one)

In short, I enjoy being around frugal people. They tend to be the classiest, most inventive and courteous of all the people that I've ever met. Remember....you can't buy class.

I've also know a couple of CB's. They tend to not care that they are hoarding their money in ways that are either dishonest or harmful to others. I hope Karma comes around soon.

That's just a start, feel free to add to the lists.
__________________

__________________
Grizz is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 09-04-2007, 05:26 PM   #2
Dryer sheet aficionado
 
Join Date: Aug 2007
Location: san francisco
Posts: 46
A couple more for the CB list:

-Re-gifting presents.

-Under tipping, or paying less than your share at group meals out.

-Holding a garage sale to sell your company's free customer gifts (golf balls, etc.).
__________________

__________________
afteriretire.com
CourtneyC is offline   Reply With Quote
Old 09-04-2007, 05:31 PM   #3
Full time employment: Posting here.
 
Join Date: Apr 2006
Posts: 944
Frugal: Enjoying and taking care of the things you buy.


CB: Eating all the best appetizers at a friends party (saw this one - good friend put out shrimp skewers along w/ the usual appetizers and a CB we have know for years decended apon them like he had'nt eaten in years - it was very noticed and pretty funny....) His nickname is "alligator arms" -- his arms arms are to short to reach his wallet :>).
__________________
Freed at 49. You only live once - live it
Donzo is offline   Reply With Quote
Old 09-04-2007, 05:34 PM   #4
Recycles dryer sheets
Eyerishgold's Avatar
 
Join Date: Aug 2007
Posts: 222
So far, I'm 6 for 6 on the frugal list and 1 for 9 on the CB list.

I'm going to defend my decision to buy whatever is on sale instead of what I really like. If I have a coupon for something or it's on sale, of course I'd buy that over my normal purchase.
__________________
Eyerishgold is offline   Reply With Quote
Old 09-04-2007, 05:38 PM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
HFWR's Avatar
 
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 12,964
Frugal: buy your underwear at Walmart;
CB: buy your underwear at Goodwill...
__________________
Have Funds, Will Retire

...not doing anything of true substance...
HFWR is offline   Reply With Quote
Old 09-04-2007, 05:44 PM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Moemg's Avatar
 
Join Date: Jan 2007
Location: Sarasota,fl.
Posts: 10,031
Frugal - give less expensive presents

CB - avoid all gift occasions
__________________
Moemg is offline   Reply With Quote
Old 09-04-2007, 06:02 PM   #7
Recycles dryer sheets
Kwirk's Avatar
 
Join Date: Mar 2006
Posts: 154
Quote:
Originally Posted by HFWR View Post
Frugal: buy your underwear at Walmart;
CB: buy your underwear at Goodwill...

CB: Who buys underwear?
__________________
Prepare for the future. Everything changes.
Kwirk is offline   Reply With Quote
Old 09-04-2007, 06:05 PM   #8
Recycles dryer sheets
 
Join Date: Jun 2007
Posts: 316
Quote:
Originally Posted by Eyerishgold View Post
So far, I'm 6 for 6 on the frugal list and 1 for 9 on the CB list.

I'm going to defend my decision to buy whatever is on sale instead of what I really like. If I have a coupon for something or it's on sale, of course I'd buy that over my normal purchase.
Ok, point taken. In hindsight, that one probably shouldn't have been on the CB list since it doesn't harm anyone else or make you look like an idiot. I just can't bring myself to buy beer that I find sub-par regardless of price. For the record, the same goes for ketchup (or catsup)
__________________
Grizz is offline   Reply With Quote
Old 09-04-2007, 06:09 PM   #9
Thinks s/he gets paid by the post
Coach's Avatar
 
Join Date: Nov 2005
Location: Colorado, USA
Posts: 1,127
Quote:
Originally Posted by CourtneyC View Post
A couple more for the CB list:

-Re-gifting presents.

-Under tipping, or paying less than your share at group meals out.

-Holding a garage sale to sell your company's free customer gifts (golf balls, etc.).
Courtney, personally I consider re-gifting frugal rather can CB. If only because it's the only CB nominee so far I'm guilty of.

Coach
__________________
Coach is offline   Reply With Quote
Old 09-04-2007, 06:34 PM   #10
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
HFWR's Avatar
 
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 12,964
Quote:
Originally Posted by Kwirk View Post
CB: Who buys underwear?
Good point!
__________________
Have Funds, Will Retire

...not doing anything of true substance...
HFWR is offline   Reply With Quote
Old 09-04-2007, 06:41 PM   #11
Thinks s/he gets paid by the post
 
Join Date: Jul 2005
Location: Minnehaha
Posts: 2,375
Quote:
Originally Posted by Grizz View Post
Signs that you are frugal include....

1. go shopping or to a movie on a Tuesday (10% off day here)

2. go to the auto wrecking yard to get a part for their car.

3. cut coupons

4. take in empty bottles for refund

5. buying a car that has already depreciated a bit


Signs that you are a CB include....

1. Buying something with the intent of using it once for your purpose then returning it to the store.

2. Not offering to pay for gas when someone goes out of their way for you.

3. Returning borrowed items broken or out of gas.

4. Not giving a reasonable tip for good food service.

5. Finding a way to get out of paying for a "round" when it's your turn.

6. Buying whatever beer/wine/pop is on sale not because you like it, but because it's cheap (don't try to lie to yourself on this one)

In short, I enjoy being around frugal people. They tend to be the classiest, most inventive and courteous of all the people that I've ever met. Remember....you can't buy class.

I've also know a couple of CB's. They tend to not care that they are hoarding their money in ways that are either dishonest or harmful to others. I hope Karma comes around soon.

That's just a start, feel free to add to the lists.
Good stuff!

I've known a few FCBs in my life, too! One of them has all my Moody Blues Albums, which she some how forgot to return...guess that makes her a FCB of the female persuasion..yes there are FCB that are female!
__________________
MinnesotaEats - www.goodfoodmsp.com
Danny is offline   Reply With Quote
Old 09-04-2007, 07:28 PM   #12
Full time employment: Posting here.
Cattusbabe's Avatar
 
Join Date: Apr 2006
Posts: 814
Quote:
Originally Posted by CourtneyC View Post
A couple more for the CB list:

-Re-gifting presents.

-Under tipping, or paying less than your share at group meals out.

-Holding a garage sale to sell your company's free customer gifts (golf balls, etc.).
Uh, sorry but that is frugal. There is no need to add to ones clutter collection by keeping a gift one does not need or want. I do this all the time.
__________________
A todos los amantes del mundo. No importa el color de su piel, la pasion es universal.
_______________

La tavola e il letto non hanno restrizioni.
_____________
Any day your on this side of the grass is a good day.
Cattusbabe is offline   Reply With Quote
Old 09-04-2007, 08:36 PM   #13
Recycles dryer sheets
 
Join Date: Apr 2007
Posts: 193
Quote:
Originally Posted by Grizz View Post
Ok, point taken. In hindsight, that one probably shouldn't have been on the CB list since it doesn't harm anyone else or make you look like an idiot. I just can't bring myself to buy beer that I find sub-par regardless of price. For the record, the same goes for ketchup (or catsup)

Some friends of mine that were fairly vocal about the quality of the beers they drink (not quite 'snobs', but getting there) were recently talked into doing a blind taste test between some discount beers and some higher quality beers. It seemed the cheap brews were picked about as often as the more expensive ones of the same type. The only ones that were picked more consistently were the ones with very distinctive tastes (i.e. super-hoppy Sam Adams) Obviously not a scientific test, but there seemed to be no correlation at all. I was part of the test group, and I was fairly enlightened as well.

I myself drink whatever light beer is on special, hopefully no one thinks I'm CB!
__________________
skyline is offline   Reply With Quote
Old 09-04-2007, 09:49 PM   #14
Recycles dryer sheets
 
Join Date: Jun 2007
Posts: 316
Quote:
Originally Posted by skyline View Post
Some friends of mine that were fairly vocal about the quality of the beers they drink (not quite 'snobs', but getting there) were recently talked into doing a blind taste test between some discount beers and some higher quality beers. It seemed the cheap brews were picked about as often as the more expensive ones of the same type. The only ones that were picked more consistently were the ones with very distinctive tastes (i.e. super-hoppy Sam Adams) Obviously not a scientific test, but there seemed to be no correlation at all. I was part of the test group, and I was fairly enlightened as well.

I myself drink whatever light beer is on special, hopefully no one thinks I'm CB!
No, not at all. I find the more mainstream brands to be pretty much clones of one another, and I'll agree with you that Old Milwaukee tastes just as good as most of 'em. I wish that I enjoyed the lighter colored beers. It's unfortunate, but my brand is a darker ale type beer that is nearly double what the cheaper brands cost.

The point that I wanted to make is that there are certain things that I will not worry about the price of. For me it's beer. For you maybe it's a type of shoe that is a bit pricier but really feels great.
__________________
Grizz is offline   Reply With Quote
Old 09-04-2007, 10:08 PM   #15
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
TromboneAl's Avatar
 
Join Date: Jun 2006
Posts: 11,197
Beer is a weird thing. A lot depends on what you get used to. In solidarity with DW during her pregnancy, I drank only non-alcoholic beer. When I went back to Miller Lite, I didn't like it -- too much alcohol taste.

After a party at my house, someone had brought a six-pack of Wolaver's Pale Ale. By the end of that six pack, I was almost converted. But I was able to get back to liking my Busch Natural Light, which I can sometimes get for $11.99 for 30 cans. Phew, that was close.

But seriously, there is some kind of a habitation process that is especially strong with beers. Drink one kind for a while, and you get to like it.

-------------

Also agree that there's nothing wrong with regifting. The distinction between frugal and cheap bastard, is the unfairness aspect (making someone else pay for your savings).
__________________
Al
TromboneAl is offline   Reply With Quote
Old 09-04-2007, 10:11 PM   #16
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 42,078
Quote:
Originally Posted by TromboneAl View Post
But seriously, there is some kind of a habitation process that is especially strong with beers. Drink one kind for a while, and you get to like it.
Ahh HAH! So that's what this "acquired taste" thing is all about...
__________________
Numbers is hard

When I hit 70, it hit back

Retired in 2005 at age 58, no pension
REWahoo is offline   Reply With Quote
Old 09-04-2007, 10:31 PM   #17
Moderator Emeritus
Khan's Avatar
 
Join Date: Aug 2006
Location: Pine Island, Florida
Posts: 6,868
Send a message via AIM to Khan
My frugality only affects me.
__________________
"Knowin' no one nowhere's gonna miss us when we're gone..."
Khan is offline   Reply With Quote
Old 09-04-2007, 10:38 PM   #18
Moderator Emeritus
Nords's Avatar
 
Join Date: Dec 2002
Location: Oahu
Posts: 26,616
I used to be frugal, but now I'm just modeling good behavior for the next generation.

Quote:
Originally Posted by Grizz View Post
Signs that you are frugal include....
... or to a movie on a Tuesday (10% off day here)
We have "Monday Morning Mommy Movies" (great way to meet hot chicks) and "11 AM for the Unemployed ERs" which allows me to get home before school's out.

Quote:
Originally Posted by Grizz View Post
2. go to the auto wrecking yard to get a part for their car.
Hey, I tried to buy the dealer's front crossbar for the roofrack on our '94 Ford Taurus wagon and was told that Ford no longer manufactures or stocks it. So a junkyard is the only place I'll be able to find it! I have to make sure I don't park the Taurus too close to the junk-car dropoff zone, either.

Quote:
Originally Posted by Grizz View Post
3. cut coupons
4. take in empty bottles for refund
Our kid gets to keep half the profits from clipping coupons, and all of the HI-5 recycling rebates. It works out to a couple extra bucks a week.

Note for you metal hunters: Our kid has noticed that many high schoolers are very wasteful of spare change. They tend to leave it on counters, drop it in parking lots or in the grass, and generally not keep track of the dimes & quarters (let alone the pennies). She picks up nearly a buck a week from the carelessness of others, and she's been threatening to fix up the metal detector for an hour or two on the grounds of the local high school.

BTW we're regifters from hell. We even make sure that we tag the name of the giver so that we don't accidentally regift it to them or to someone in their social circle. Spouse even picks up cheap holiday gifts at garage sales (glass jars that can be filled with candy) for the kid's gift exchanges.

Not gonna touch the underwear comments...
__________________
*
*

The book written on E-R.org, "The Military Guide to Financial Independence and Retirement", on sale now! For more info see "About Me" in my profile.
I don't spend much time here anymore, so please send me a PM. Thanks.
Nords is offline   Reply With Quote
Old 09-04-2007, 11:07 PM   #19
Thinks s/he gets paid by the post
 
Join Date: Feb 2007
Posts: 2,423
I had an aunt and uncle who I always thought were frugal. He worked hard in his own HVAC business. They lived in a small, well kept house in a good neighborhood. My aunt never had anything new, she always made do with what she had, shopped at 2nd hand stores, accepted hand-me-downs. She raised 4 kids, cutting corners everywhere she could, thinking that was the only way to get by because they really didn't have much.

I admired their thriftiness until after he died. My cousins told me some disturbing things about their family. Their father was abusive to their mother. He was abusive to them. Their father was so "frugal" that he did embarrassing things like only paying for one plate at a buffet restaurant and letting his wife eat off his plate, so that he didn't have to pay for her meal. The restaurant asked them to leave. He got cited for dumping his household trash in a dumpster at a shopping center.

A few weeks after my uncle's funeral my aunt called my Dad. "Can you come over and look at some papers? I'm very confused about some things. I just don't understand some of the paperwork."

My Dad went over and looked at her paperwork. It turns out that my uncle was one of those people just like in the book, "The Millionaire Next Door". He built his own business, lived WAY below his means and had socked away about $6,000,000. My aunt had NO IDEA. It was one of those marriages where he handled all the financials and she was kept in the dark, living all those years thinking that they could never afford anything better than he told her she deserved.

Knowing my aunt, even if she would have known about the money, she wouldn't have splurged on anything extravagant, but maybe she could have bought some new clothes (on sale) or enjoyed a decent vacation every few years.

She lived a few years after he died, but I think she wasn't all that comfortable with her wealth. She still lived on the basic necessities, was still the super frugal woman she had always been and when she died she left it all to her 4 children.

So it turns out that my uncle may have looked like he was "frugal", but in fact he was a "cheap b@st@rd" and he hurt a wonderful woman who deserved to know that their efforts together had grown into a comfortable nest egg.
__________________
Sue J is offline   Reply With Quote
Old 09-04-2007, 11:19 PM   #20
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: May 2005
Posts: 13,260
When I saw the title... I was thinking... 'why not both'?

But, with the definitions... I can see where you come from... I know (or should I say KNEW) a cheap bastard that would make your list look like frugal...

He would want to go out with the guys, order something very cheap and then eat off everybody's plate if he could... and NEVER, and I mean NEVER leave a tip (heck, he might not even pay his bill with tax!!!)..

He borrowed money from another friend and did not pay him back for many years... finally my other friend got tired and asked for the money... the CB said, 'you have plenty of money and don't need it'... and refused to pay it back... FINALLY my friend saw how bad this guy was and stopped talking to him also... BTW, this guy is such a CB that he has lived at home for the last 20 years, waiting for his parents to die and take the house... and they don't have much either...

SO, I am just frugal, and only in some of the ways listed....

BTW... I buy soft drinks... and can wait until MINE go on sale and stock up enough to get me to the next sale.... that is not CB...
__________________

__________________
Texas Proud is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Becoming More Frugal Danny Other topics 58 12-15-2006 11:45 AM
Becoming LESS Frugal shiny FIRE and Money 20 12-14-2006 11:31 PM
How frugal is too frugal? setab FIRE and Money 36 05-18-2006 01:51 PM
Are We Frugal & Methodical or Just plain Cheap? education Life after FIRE 40 11-13-2005 09:36 PM
cheap cheap vacation EricMD FIRE and Money 4 09-02-2005 10:42 AM

 

 
All times are GMT -6. The time now is 07:55 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.