Ask the Readers: How Do You Live Frugally Without Seeming Like a Loser?
Published on - March 21st, 2008 (by J.D. Roth) In Wednesday’s discussion about how to live on less and love it, Steve left an interesting comment:
One topic I never see covered is “extreme finances” or even simple frugality in relationship to being single. I’m not talking about being a cheapskate during dinner, but maintaining a low-powered lifestyle while seeking a mate. Like it or not, first impressions count and first impressions are often based on superficialities, even by nice and otherwise deep people.
Yes, there is always the rare person who will not care if you drive an old car or live in a cheap apartment, but other people don’t see old cars and cheap apartments as choices for a well thought-out philosophy, but as indicators that someone does not have his life together.
Is frugality beyond a certain point something that is for married people only?
This comment prompted Ben to respond to me via e-mail:
This is something that’s been on my mind as I try to improve my spending habits while preparing to return to an active date-hunting, mate-seeking lifestyle.
It’s not just about dating, though — if anything, that’s the easy part; just say “hey, how about the park?” instead of “Let me treat you to Chez Expensivique.” The hard part is trying to live your whole life frugally without seeming a) cheap, or b) a loser. (“No, honest, I choose to drive this reliable older car, it’s not that I can only afford to crawl along in my grandfather’s half-dead Gremlin!”) Frugal choices can make an impression that you don’t want to make.
Most discussion on this topic seems to focus on “Don’t worry about what other people think,” which is hard when you’re trying very hard to make a very good first impression on those people so they’ll want to date you. After all, it’s one case where we really are being judged by others — and should care about what those judgements are. The only other response I tend to see is “here’s some cheap date ideas” — which, like I said, is the easy part. After all, even wealthy, spendy-type folks go for walks in the park.
These gentlemen have a point: how does one live frugally without looking cheap?
During my last week at the box factory, a potential customer dropped by to make a surprise visit. When I know that I’m going to see somebody I need to impress, I try to look halfway decent. But on that day I was wearing a ten-year-old sweatshirt with fraying cuffs and a fraying collar. I had on a beat-up pair of sneakers. There was no simple way for me to explain to this man, “Yes, I know I might look like a slob, but it’s for all the right reasons.”
In dating and business and day-to-day life, people do judge us by superficial standards. How do you maintain a frugal lifestyle without giving the impression you’re cheap?
GRS is committed to helping our readers save and achieve your financial goals.Savings interest rates may be low, but that’s all the more reason to shop for the best rate.Find the highest savings interest rate from Ally Bank, Capital One 360, Everbank, and more.
This article is about Ask the Readers, Choices, Frugality, Relationships
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.
Discover is a paid advertiser of this site. Reasonable efforts are made to maintain accurate information. See the Discover online credit card application for full terms and conditions on offers and rewards.
SEARCH FOR RECENT ARTICLES



The whole point of living frugally is to sacrifice things that don’t matter and enjoy the things that do. You can drive a nice used car if you pay cash for it. Living frugally over time should allow you the benefit of showing others what you have wisely in.
loading....
I’m taking a somewhat different twist on this: I’m putting time and money into an investment that will, in the long run, save me money on clothes, but make me (and my husband, once we start on his wardrobe) look like a standout dresser.
You see, I have an unusual size and shape for a woman, so off-the-rack clothes that look good and fit me well are a) hard to find, eating my precious time and increasing my blood pressure in the process, and b) rarely cheap. Therefore, since I was a fair-to-middling sewer to start with, I am learning to construct my own clothing from the ground up: not just sewing from patterns, but learning how to draft patterns from my body shape, to make garments that are in a style *I* like and look good in, regardless of what is in fashion.
The plan is that I will, eventually, have a small number of reusable cotton muslin patterns from which I can make my own clothes, adjusting as necessary. Then, once my wardrobe’s more squared away, I’ll start on my husband’s.
loading....
I live in a small town and they can be ruthless. Well their were people that you can never beat so why compete. These people would rather go into bankruptcy than to have you get one up on them. If you can find a bigger definition of a fool please let me know. For example when I bought a truck because I had to have a truck and four other people bought a really nice vehicle right after that I’m sure just try to feel like they had put me in my place. But unlike them I know who I am. One girl wouldn’t have anything to with me because I just wasn’t fancy enough for her. Well three years later my truck is paid for and all all these other people are in deep financial trouble. The look of shame on this girls face after I saw her when her man got her into serious financial trouble? “Priceless.”
loading....
As long as you are courteous, thoughtful, attentive, clean and do not act like a jerk, you will get plenty of nice women to date you. The places you frequent will be the same ones that these nice ladies will also frequent. Women who have on their dating agenda “the man who “gets” me must be a conspicuous consumer” will demonstrate their shallowness and insecurity very quickly, so you aren’t missing out on much.
One hint, though…wherever you take your date, please tip generously (not extravagantly) and treat the staff politely. I have been on MANY dates and watch very closely for signs of cheapness, stinginess, or selfishness. No nice woman worth her salt needs to be with a man who is two-faced, i.e. superfically “nice” to someone he’s trying to date, but rude or unappreciative of someone who’s just doing their job. Take her to a place where you won’t wince at the prices, and then enjoy yourself fully! She’ll pick up on your relaxation and confidence, and you’ll both have a better time together.
I personally find men who work, save, and have their act together financially VERY attractive–it speaks of the man’s character, maturity, steadfastness, ability to commit and make sacrifices, ambition, confidence, and dedication to a healthy, happy life. DEFINITELY marriage material there, guys, and lots of fun on the hot road to the chapel! Good luck!
loading....
Great post and comments!
I’ve read through the first 80 or so, and one thing I never saw mentioned is fitness. Being in shape goes a long way towards satisfying a woman’s superficial needs/inclinations. “Fit” can be trim or ripped, whatever you (or your “type”) favors.
It evens the playing field quite substantially.
loading....
Good point, sherwood! and being fit is frugal in the long term of course!
To find the mate that suits your lifestyle, then just do the things you like, and date the people you meet while doing so.
If you like shopping in thrift stores, and eating al fresco at the park, and driving a car that you can service yourself, then be looking for women in the thrift stores, the park,and standing in line at the auto parts store.
while going through my divorce, I took up car-care. I went to the auto parts store and bought an air filter instead of letting the guys at the oil change place do it (hey, it was all new to me, and disposing of used oil was not that easy back then) anyway, I noticed a lot of the men there popped the hoods on the car, replaced whatever bit needed replacing and discarded the garbage in the bin in front of the store. Hey, I thought, I can do that too.
So, while I was bending over the car, backside prominently displayed, I heard a guy whistle and say, “All that and fixes her own car too!” Admittedly, this comment could be seen as offensive and sexist, but at the time, it was just enough to begin moving my feelings about my impending singlehood from OH NO to OK!
Too bad for the guy that he said it as he was driving off. Probably married and regretting that his wife couldn’t keep up with me! But what I’m saying is, the places frugality takes you are the places to pick up the girls that appreciate it!
loading....
Jeff (#138) has a great tip that really makes sense to me.
“Meet for Happy Hours. I know restaurants that serve full meals for $2-5 after purchasing one drink. Usually leave fed & drank for $10.”
My problem is, me and my wife are young and really social. We go on big friday night pub/club nights, and end up sinking way too much.
We dont want to sacrifice our social life, so our aim is to go for a few drinks in the week, here and there, at happy hour. This way, we’ll feel like we’ve already been out a bit in the week, and we wont need a huge friday night to feel like we’ve seen everyone.
And if we invite people along, it doesnt seem strange if we dont go out at the weekend.
loading....
My secret is not for all- I just don’t have time to socialize, so it doesn’t matter what anyone thinks. I work seven days a week at two different jobs. I purchase name-brand used clothing second-hand when old items become too ratty, but still wear a lot of the clothes my parents bought me when I was in high school (my oldest still-in-rotation item is a 14 year old top bought at Kmart). My yearly clothing/shoe budget is about $100 but I still look good. My husband and I bought a new car when we were first married, paid it off ASAP and have kept it up well. We’ve managed to get by with only this one car, which we are very proud of. We scan restaurant menus online, pick out what we would order if we went, and make it ourselves at home. For special ‘dates’ we even print up ‘tonight’s menu,’ dress extra nicely, light candles, put on dinner music, etc. I will say that my most extravagant (but still within reason) purchases are as gifts for family, but only those whom I maintain close relationships with.
Another way that I keep my spending in perspective is by figuring out how long it takes me to earn a dollar. Right now for me it is slightly under eleven minutes. So, even at the dollar store, I stand there and think, “Would I be willing to work for eleven minutes in exchange for this item?” If the answer is no, why am I buying it? For the way other people will perceive me if I have it? Ridiculous!
loading....
I have a fulltime job for the benefits as well as a defined benefit retirement. I have a business to accelerate the arrival of the time I can go live on a beach as well as pursuing several other things.
I want to be married, sure. I am looking for my very own Limberlost Angel. But from time to time I am going to be in beatup running shoes, a frayed T-shirt, and have not shaved for a couple of days. This is just the way it is and I make no apologies for it.
If such circumstances puts a woman off, hey, good for her. She has saved us both some trouble, LOL. It is not the end of the world. One thing my ex-wife taught me is that anyone can be replaced and THAT lesson is bone deep.
Do I have a 50″ screen TV? No. It pays me nothing. There is not one single item I can think of that, after having lusted after it for days or months or whatever, gave me anything like the satisfaction that I thought it would. It is just another paperweight no matter its supposed function. I buy only things that have a shot at PAYING ME. That way, if the car breaks down or the TV goes out (that I paid cash for) then I simply replace it and move on to the next thing.
Yes, I realize that I am acting/speaking out of bad experiences, but isn’t everyone focusing on this subject? There is nothing other than a modest house that I would consider financing. Paying interest is for fools, earning it is how you finally get your life back.
loading....
I used to hold a “Bring Your Own BBQ.” My friends would each bring part of the meal we’d then cook together. I would fill in whatever extras I thought we still needed. We always had plenty of food and plenty of fun. A volleyball net set up in the yard was an extra bonus.
The same thing can be done at a local beach or park. Makes for a nice double-date, too.
loading....
“Make her pay for the dates, make her buy you a car and keep the tank full, and have her put a down payment on a house …” Interesting advice, Frugal Bachelor. And what exactly does the woman get for her investment?
I hope she has her name only on the car and the house, so that when she’s tired of paying for HIS past mistakes – I gather that’s your reasoning? – she can chuck him out, and keep HER car and house.
loading....
This is an interesting discussion. It makes me remember back to when I was dating and the guy I was going out seemed cheap (which was a turnoff). Here’s my two cents:
1. Despite what some previous posters said, I think going Dutch on a first date is a no-no. I always hated it if a guy asked me out Dutch the first time; I thought it was tacky and cheap. I always wished they’d just asked me out for something they could afford, like ice cream or coffee.
2. Like the other posters said, make sure you are well-groomed and your items are well cared for. Again, this is a big indicator between frugal and cheap. A guy once asked me out and his car had no heat or de-icer. And this was in the middle of winter! This was not frugal– it was cheap or poor (neither being attractive).
3. Make sure you mix up the dates– don’t ask her to do the same inexpensive thing. I once dated a guy for a while who always asked me to go for walks (once for coffee). This was OK the first or second time, then I started to think he was poor. So be creative, mix it up, and occasionally throw in a nice meal (not expensive– just good quality. I love ethnic, which is often cheap, good and cool).
4. The one flower idea is great. The calling is great. Overall, niceness and showing genuine thought and caring wins over the kind of woman you’d want to attract.
When it comes to first impressions, I think apart from the grooming aspect that’s already been covered, it’s important to seem generous. Very few women find a cheap man attractive. But remember that generosity is not in the amount of money spent, it is in the spirit of how it’s spent. Be generous of spirit in your frugality (i.e. if you’re bringing ice cream for the park date, spring for Haagen Daaz, not the cheap store brand), and the right kind of woman will be impressed.
loading....
One more comment in reference to #117′s observation– I once brought some friends of mine to a family party. My uncle, in commenting on their attractiveness, had this to say: “Your friends have nice smiles. EXPENSIVE smiles.” I thought this just about summed it up!
loading....
My ex was a big spender who showered me with flowers, jewelry, trips, expensive dinners, etc. However, it was all very insincere and just covered up a lot of his own insecurities and shortcomings. When I began dating again, I was wary of guys who wanted to be flashy because I felt they were trying to buy my affection. My new boyfriend is frugal, and I could see that he bought quality things but was a bargain hunter. He NEVER came across cheap – just smart. The first gift he ever gave me was a special piece of tupperware that he found at Wal-Mart. He knew I needed something like it for packing my lunch at the office. That meant more to me than 10 dozen roses!
loading....