When we decided to close our business for a year or more, we committed to living frugally. No “work for pay” income meant we had to be pretty creative…

But, part of the deal in moving into 600 square feet temporarily, was the promise of a new (bigger) house, which on one hand, isn’t always compatible with a no “work for pay” lifestyle. On the other hand, it’s not too hard to beat 600 square feet…

The year before we stopped working, we had ditched plans for a $300,000 log show home…we just couldn’t contemplate working harder to support the mortgage it would require, especially after being mortgage free for some time.

Even though an Earthship lends itself very well to Frugal Folk like us, I discovered I had two issues with it: One, how little could we spend on this project and still have a beautiful home; and two, how were we going to feel about sharing our vision of frugality when we built it?

Well the first one will remain to be seen. The second, well…

Chris and I have always been quite private about specifics of our financial position and even more so about our spending decisions. The thought of ADMITTING that we have embraced frugality is very new; sharing our frugal habits and how those habits would allow us to build an inexpensive home…would people just think we were really CHEAP?

Hmmm. How do I feel about that?….Yup, turns out I do care (a little) what people think of me!

So, are we frugal, or are we cheap? I’ve probably been thinking about these two concepts for almost two decades, more so now than ever before.

It all started with a night out at Big City Improv in Toronto in the early 90s with Chris, before we were married.

It was a small audience of perhaps 75 and the improv cast was made up of mostly young people…about the same age as we were at the time!

Before starting the first skit one of the performers pointed at Chris and asked him to name somebody he knew who was frugal. Chris mentioned a university classmate who was not a close friend. To everyone’s delight, there followed a 15 minute sketch about Chris’ classmate’s supposed frugal habits: re-using tea bags three times, buying day old bread, going to bars and not ordering a drink but eating the free nuts and snacks…you get the picture.

It WAS funny. The performers were amazing. But while we were laughing we were both somewhat embarrassed. This classmate had limited funds and was paying his own way through university without student loans. We were both beginning to wonder about the line between frugality as a socially sanctioned practice and frugality that is socially ridiculed…was it simply the difference between true frugality and cheapness?

During the last 18 months I have been chewing over the concept of frugality and cheapness, what they both mean, why society ridicules them and what place each has in my family’s life.

In Your Money or Your Life (more about this book in a later posting) the authors pin down the meaning even more. Frugal, they say, has roots in the latin word, frug (virtue) and frux (fruit or value). They conclude that “frugality is enjoying the virtue of getting good value for every minute of your life energy and from everything you have use of.” (One of the premises of Your Money or Your Life, is that your physical energy is one of the currencies with which you use to acquire the things in life you need/want/desire.) So, frugality is tied to enjoyment! Wow!

“Cheap” has several meanings and it is one definition in particular that taints the true meaning of frugality. The Canadian Oxford Dictionary says cheap means “low in price, inexpensive.” We hear this definition used often. “Milk this week was really cheap.” In itself, this definition is o.k. But often Cheap sneaks into our descriptions of people who look for the most inexpensive (cheap) price. Suddenly, Frugal Folk aren’t surveyors of the least expensive option, they are “Cheap” people.

And,the social interpretation of a person considered Cheap is not pretty. People who are Cheap are often ridiculed as obnoxious bargain hunters, unpleasant to be around, people who will do without something to save a penny, or gain a financial advantage over somebody. No wonder some Frugal Folk are shy about sharing their frugal habits!

So Cheap in this context is no friend of frugality, I think.

I’ve always rebelled against Cheap’s definition in quantitative terms. I think the word “inexpensive” is perfect to denote a low price and prevents the qualitative definition from sneaking in and attaching itself to Frugal Folks.

Cheap’s qualitative definition of “low quality, inferior” is one that should prevail when describing a product or experience. To me if something is “cheap” it is of lower quality. It can be expensive or inexpensive but if it is cheap, it is of poor quality. Then, Cheap is Frugality’s acquaintance…they’ll run into each other occasionally but don’t seek each other out.

But even with my interpretation of Cheap in terms of products and experiences, I cannot deny the existence of Cheap People, people whose actions are of lower quality. For instance, who hasn’t gone to dinner in a group and decided to split the bill but someone invariably does not put their portion of the tip into the pot? Or, everyone gives the “cheap” person their portion of the bill and tips, and the “cheap” person adds it all up and realizes everyone overpaid enough that he or she didn’t have to pay at all (instead of giving the extra money back or leaving it for the wait staff). Cheap is when frugality becomes an imposition to yourself or others, as was aptly put by a fellow Simple Living Network member (more on SLN in another posting).

Cheap as an imposition upon yourself is when you buy an inferior quality car because it is 30% less costly than one with better gas mileage. It lasts 5 years before it requires costly repairs while the more expensive car would chug along for 15 years and would have paid for itself in lower gas costs in the first few years.

I now look at people differently in terms of frugality and enjoyment of life. When I see people making choices about where they are spending their money–what they choose from menus, when they pack a lunch rather than buying one, if they shop at consignment stores or thrift shops–I see life fulfillment stories behind all of it. One person is saving for a trip to Europe next year, another is saving for a hefty down payment on a house so he starts life on a sound footing. Someone else is paying off their debt and getting off the debt treadmill. Still others want to retire at 40 and spend time with their kids…

So after looking outward I began to examine myself and what my family goals are. Even before we decided to build an Earthship, Chris and I had made some decisions that had their roots in frugality. It also helped that we have a healthy aversion to debt and are not bad savers. Our abiding rule was that if any of our changes caused Deprivation to visit, we would revisit the change.

We discovered that by selling our primary home, and paying off our final, small debts we could live debt free on a small amount of money without paid employment, if it came to that. We watched the market very closely and by December 2007 it became clear that the forest industry in our province was in for a rough time. By spring of 2008 we made the decision to close our business for a year or more and take the time to plan the home we wanted and to spend more meaningful time with our children and each other.

Without doubt it meant we were “frugal” in the best sense of the word. We looked at all our expenses and asked ourselves how many hours of paid employment would we have to work to pay for them. When you look at money and life in this way decisions become very easy.

We didn’t need three business lines and two phone lines, and two cell phones. We are now down to two landlines total and one cell phone, stripped of all the fancy stuff.

We looked at our grocery bill and realized that because we were so busy working, we were buying more convenience food (expensive and unhealthy). With more time on our hands, Chris and I cook meals from scratch more and our grocery bills are down by 50 percent, with no sense of deprivation either nutritionally or gastronomically.

We planted a garden last summer with the spare time we finally had and practiced frugality by canning and freezing for use later. It was a lot of fun and a lot of work; I don’t know how our grandmothers did it!

We wear things out before replacing them. I’m currently typing this on a 6 year old laptop where the keyboard no longer works. I’ve plugged in a USB keyboard. I’m determined not to replace this laptop until it breaks completely or I simply can’t stand the experience of typing three feet away from the screen. (I’m getting there!)

I am a freecycler, giving and receiving unwanted items to prevent them ending up in landfills. I have given away a queen size mattress, a bread making machine I no longer used, some pet accessories. I’ve received over the last year, at no charge: a compost tumbler, a manual meat slicer, new hair accessories for the girls, unwanted fabric ends for my sewing and quilting projects. (www.freecycle.org)

The moderator of the Kamloops site has given me the go ahead to promote our earthship goals when I post wanted items. I hope to prove that a home can be at least partially built and beautifully furnished from the unwanted items of a community…