“I have come to realize that truly rich people are rich not because they are frugal or they chose to be frugal, but because they are so grateful, contented and full of self-worth that they don't have to prove anything to anyone with material possessions. This way, they appear frugal.”

“Frugal is an old-fashioned, mostly unused word and frugality is is an old-fashioned mostly unused virtue that has been waiting for hard times to come back. The Scots have another word for it - canny.Keith Smith, Hard Times Handbook, 1984”

“...avarice and stinginess [are] not frugality”

“Be studious in your profession, and you will be learned. Be industrious and frugal, and you will be rich. Be sober and temperate, and you will be healthy. Be in general virtuous, and you will be happy. At least you will, by such conduct, stand the be.”

“The way to wealth is as plain as the way to market. It depends chiefly on two words, industry and frugality: that is, waste neither time nor money, but make the best use of both. Without industry and frugality nothing will do, and with them everything.”

“Frugality without creativity is deprivation.”