Frugality — the practice of economy, the art of thrift — is a key personal finance skill. In order to accumulate wealth, you must spend less than you earn. By instilling frugal tendencies, this becomes a habit. Get Rich Slowly is proud to host the 39th Festival of Frugality (created by Blueprint for Financial Prosperity). Here are the twenty-two articles on the virtues of frugality from bloggers around the web. Enjoy!

Update! The following entry was swallowed by gremlins. It deserves its place in the sun because it’s a great tip: Five Cent Nickel makes a frugal confession: he takes his own candy to the theater. (My wife and I do this, too.)

Amanda at Young and Broke discusses the generation gap that seperates frugal older folk from less-frugal young people. She gives some nice stories of how her grandparents have saved money over the years.

Getting Finances Done has a great post about budgeting on a self-employed or irregular income. There are some great tips here for anyone creating a budget.

Penny Nickel at the ever-thoughtful Money and Values says that sharing a car has both financial and environmental benefits.

Then Things offers a reminder to check on your cable bill. If you call your cable company periodically, you can often save a little cash.

The Prince of Thrift explains why you should lead a cash-only lifestyle in Credit is Not Your Friend. He advises a reader not to take out more credit. “Credit makes everything cost more,” he says. It does nothing to enhance your lifestyle.

Free the Drones encourages readers to plan ahead. Now is the time to get great deals on stuff that goes on sale at the end of summer. With a little planning, you can buy now for next year and save money.

LA Money Guy argues that frozen food is your friend. (It’s certainly my friend.) He shares a recipe for “whatevery you want stir-fry”.

Story Girl shares her very frugal Labor Day spent listening to personal finance podcasts, doing chores, and saving money.

Tricia at Blogging Away Debt says that by being proactive, you can save money. Her husband is a big fan of insurance, but she’d rather not have to deal with it at all.

Bryan C. Fleming has a story about why cash is king. (It’s also a story that illustrates how sometimes it’s better to pay somebody to do something than to do it yourself.)

At Dewey’s Treehouse, Mama Squirrel writes about what to do when the old money rules change. Hers is a long post, but it’s well worth reading.

Stop the Ride advocates creating a budget in Making a Plan. Stephanie has been without a budget for a year, and feels it’s time to practice what she preaches.

At We’re in Debt, our hosts explain that it is possible to buy your groceries at Whole Foods for cheap. The key is planning, and sticking to a budget.

FreeMoneyFinance shares some of the money-saving tips that Northwest airlines gave to its employees after cutting their pay.

Pragmatic Finance has a tip for getting a small discount on your orders at Amazon. It’s not much, but every little bit helps!

The MotherLoad shares links to all sorts of free samples.

Wenchypoo talks about gaming the system to get something for nothing. She has lots of examples of how the poor, the rich, and the middle-class manipulate things to their advantage.

MyQuo.com urges you not to let inflation bite you in the rear — include inflation in your budget, or you may wish you had.

Rebecca at The Space Between My Peers notes that you can get some fantastic fashion bargains on eBay. Buying your clothes via auction may seem odd, but you can save money if you’re willing to give it a try.

Home Decorating Bargains says you can find some great decorating ideas for a buck if you’re willing to try the dollar store.

Help With Everything has advice on how to save money. “It’s not how much you make. It’s how much you spend.” This entry offers lots of ideas on how to spend less.

And, finally, Rich E. Obscure says deserve’s got nothing to do with it. It doesn’t matter what you feel like you deserve; what matters is what you can afford. Amen, brother!

Now that you’ve taken time to read some or all of these tips, resolve to put at least one of them into practice during the coming week. I’m going to look at the end-of-summer ads to see if there aren’t some things I can buy cheap to be ready for next year. (I need a backpack, for example.) Thanks for dropping in!