Well if you are a person who does not know what frugal is it is spending wisely, giving a lot of thought to spending. while stingy cutting corner, when it is a necessity. Who does not need money..it is a necessity and is never enough. the more you earn, the more you spend. it is said our needs(or our thinking of needs) increase directly proportional to the income. and savings enters the game plan.. and there rises, smart saving without being stingy.. I know people who pinch pennies just for the sake of doing it or the thrill of having a filled coffers. IF you are looking at deals, working out finances, and still enjoying towards working out a goal like saving for a travel..that is smartness..you are frugal. you go out in a group, where you are told that the cost will be shared equally among all, and end up ordering for the costliest item because you think the cost is going to be shared, it definitely is cheap and stingy.people overlook this once, twice but definitely conclude you are stingy in the end. Uncle scrooge is the first person that comes to mind when i think of stingy and when i think of frugal, i can think of many. I am a frugal by habit. So who is frugal and who is stingy according to you..and state an example to differentiate the same.