Till now, I am not frugal but when it comes to business funds, I just steer clear of it. It is my staff that manages and disburses business funds. I just approve. If I try to manage it, I would spend It.I tend to be frugal because from a young age I know and feel that making money is difficult. LOL When I was in elementary school, I learned to sell children's stationery and toys, yes, I was trained to be independent from a young age so I knew that making money was difficult.