"Is being a cheap state the same as being frugal? Some would answer yes to that question but as one who has long lived the nickel and dime lifestyle out of necessity I would have to say they are totally different. A cheapskate is one who simply pinches pennies even though he doesn't have to in order to survive ... But frugal people are most often those who practice it not only out of necessity but as a matter of principle much as Franklin proposed and encouraged ..."--Introd.