Are you stingy? I have noticed two types of frugal people: (a) Completely. Often much older people who grew up in hard times and who are driven by fear of another depression. They deprive themselves of almost all pleasures to save money. Sometimes, admirably, they may be more generous with family and friends than with themselves. (b) "Showy" stingy. They are driven by Puritanical guilt. It is bad to spend and good to save. But they can deceive themselves by saying that the showy, prestigous things that they want to buy are "investments." They typically do not like to spend much on things that they cannot show off and/or are not "permanent," such as fine dining, vacations, valet parking, long distance telephone charges, dry-cleaning, etc. In the USA, these people buy homes and do not rent, because houses are "investments" while rent is "down the drain." They often buy and hoard (do not use) things like expensive wine, jewelry, watches, clothing and cars.