Just wanted to add my 2 cents (LoL no pun intended) ;
Frugal = good. And the things above seem like worth passing up on to a universal degree!
Stingy = bad
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Merriam Webster:
frugal. adjective. fru·gal ˈfrü-gəl. : careful in spending or using resources.
stingy: not generous : giving, using, or spending as little as possible
I scored 100% on the suggestions and many more not suggested. That is why if I and my wife want to go to a fine restaurant on occasion we will and care not the expense, my house is paid for, my cars are bought cash from a car rental agency while they are still in warranty and our retirement accounts are flush. I owe no money to any entity except government taxes. This was done on an upper middle class income from assets of zero post divorce at 40 years of age. Divorce is expensive.