The Frugalometer™ measures who is tight and who is not.
Frugal is defined as "characterised by or reflecting economy in the use of resources".
Cheapskate, tightwad, penny-pincher, and stingy are just a few of the words that may come to mind when someone says they are frugal.
While trends like minimalism and simple living have made frugality more popular, there are still many negative connotations surrounding this concept.
Generally, the negative commentary tends to come from individuals who prefer to spend their money freely, possibly even irresponsibly.
There are many reasons that people choose to be frugal, either out of necessity or due to personal beliefs and behaviour pattern plays a role as well.
Frugal patterns are: Director; Investigator; Practitioner; Objective Thinker; Perfectionist; Enhancer.
They are designated with a post-nominal title (F. Gal)
Others are entitled as Spendthrift™ (S.Thrift).

1. Director - ESTJ

Why? Good saver, if financially-focussed can develop a reputation for being cheap. Wealth may used to be seen as high status. Motivated by work. May adapt to the spending habits of their friends.
Modus Operandi: Cost cutter; susses out deals; pursues compensation for errors or poor service. Biggest earner. When you consider their net worth, downright frugal, but will splurge on club memberships and anything else that will get them 'seen' where they (think they) belong.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal

by E. Hunter™

2. Developer - ENTJ

Why? Good income producer, lackadaisical attitude towards saving. Work hard, play hard, make money to spend freely on what they want is a consistent belief about money and actions.
Modus Operandi: Invests high amounts on themselves for large returns. Second highest earner. Absurd tolerance for risk and will not bat an eyelid at a six-figure loan balance if it helps them get to the top.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift




by E. Hunter™

3. Results - ESTP

Why? Fun focussed. High spender for events - travelling and dining out with lots of friends. Good income but high spending habits may lead to trouble continuing adventurous lifestyle.
Modus Operandi: Huge on themselves. Risktaker. Indulgent from food to massages. When they are wrong, the financial losses are big but they are usually able to recover.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift



by E. Hunter™

4. Inspirational - ENTP

Why? Takes one day at a time. Income producer but ability to save for the future will usually come second to spending on things they want now. Spends as much as they make.
Modus Operandi: Savvy with their purchases given the right attitude. Only understands money in the context of using it to do other things, so it will be 'easy come, easy go' the whole way through.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift




by E. Hunter™

5. Persuader - ENFJ

Why? Does not care about money. More controlled than Promoters though. Good time with friends is done without too much spending. Does not plan to become rich but have a modest amount of savings to spend when they want.
Modus Operandi: Controlled and aware of expenditure but can be a sociable do-gooder, most likely to throw a lavish birthday party for their best friend. Struggle with major purchases - house, car.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift







by E. Hunter™

6. Appraiser - ESFJ

Why? Good savers but may be susceptible to becoming very focussed on showing off wealth, depending on the values they grew up with. If public consumption of wealth was valued, then could spend high amounts on clothing, dining out and travel.
Modus Operandi: May use to show off - “high status”. Likes to spend, especially if it is on someone else. Expect these folks to flex with big houses, luxury cars and a designer wardrobe for them and their children. They are invited to every party where they always show up with fine wine or a lavish hostess gift. Carries big debt but always makes the minimum payment.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift

by E. Hunter™

7. Promoter - ENFP

Why? Money takes form as an expression of their zest for life, but will have a good life anyway. Have an endless list of ideas that they can come up with to spend things on.
Modus Operandi: Carefree and irresponsible spender; the worst. It is likely they will not fix their finances until at their credit limits and do not have any choice! Never willingly pays for their shout.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift









by E. Hunter™

8. Counselor - ESFP

Why? Resourceful and sometimes inefficient. Emotion drives highly desired purchases even even though they know it is a logically bad decision.
Modus Operandi: Spends often but in small bursts. Does not have trouble saving and investing but will need guidance on how much to put away and exactly how to do so.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift










by E. Hunter™

9. Specialist - ISFP

Why? Has finely tuned aesthetic tastes and is generally interested in expressing identity to people with money. Likes money they can feel, right on their skin, like absurdly high-thread-count Egyptian cotton sheets. This can also lead to high spending on clothing especially along with dining out with friends.
Modus Operandi: Will scale back when required. Expect quiet but profitable investments in luxury real estate, wineries or original paintings. As much of their net worth is going to be tied up in heirlooms as it is their bank account.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift

by E. Hunter™

10. Investigator - INFJ

Why? Good savers but when surrounded by peers may feel tempted to spend more due to stress and momentary carelessness. Does not care about money much but it is something that is important when making career decisions.
Modus Operandi: Can be tempted out of frugality. Cares for causes and is more likely to be protesting rising tuition costs or big bank bailouts than paying off their own debts. Expect them to be setting aside money to prepare for the non existent climate crisis.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal



by E. Hunter™

11. Agent - INFP

Why? Carefree. Spending habits are reflective of the going environment. If from a money-conscious household, will be money-conscious. Need right people to guide them if not.
Modus Operandi: Takes risks beyond what can be managed. Lowest earner. Best if their savings are completely removed from their everyday banking or they will spend it. This friendly and idealistic individual likes money, but they always expect it to come easier than it really does.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift



by E. Hunter™

12. Achiever - ISTP

Why? Big risktaker wanting to experience life to the full. Likes travel and new experiences with dining along with other material luxuries.
Modus Operandi: Makes brash decisions and spends much more than should. Expect to find them chanting, 'experiences not stuff!' as they drop five-figures on an African safari on credit. Bigger risk taker than the Director!
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift







by E. Hunter™

13. Practitioner - ISFJ

Why? Good savers. Does not require much from purchases to be satisfied with life. Likes to spend on a few social displays of wealth such as eating out at restaurants with friends, clothing, etc.
Modus Operandi: Very reserved with money. The most frugal. Never buys what cannot afford. Small minded particularly in business. May be the most reserved money managers of all, crafting budgets for small and major purchases alike, while not pulling out the plastic until the full total is saved.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal




by E. Hunter™

14. Objective Thinker - ISTJ

Why? Nest builder. Spends little on luxury goods (do not like luxury) and goes for quality and durability instead compared to other patterns. Can have a tendency to spend large amounts on a few image items such as expensive cars, clothing or other items. Provides a “good life” for their loved ones. Part of the money is spent on important and practical things while the rest is saved for future needs.
Modus Operandi: Cheap for the most part. Pays off student loans ahead of schedule, buys homes early and takes care of their families with steady pay cheques. If they ever make a financial mistake, they beat themselves up for it relentlessly, often long after they have remedied the error. No credit card debt.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal

by E. Hunter™

15. Perfectionist - INTP

Why? Life is an endless amount of possible experiences which they wish to experience some day and spending focussed on this which may involve expensive tastes. Can scale back. If in the money, may spend more exuberantly than they should.
Modus Operandi: Frugal in general. Has good intentions but often spends more time strategizing than actually doing. Expect them to craft elaborate spreadsheets comparing ETFs in an attempt to reduce risk and taxes, only to find the allocations have changed by the time they are finally ready to invest.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal


by E. Hunter™

16. Enhancer - INTJ

Why? Future-oriented and goal focussed and generally will not spend above income. Will spend high amounts on items they feel are important to them after extensive analysis; more than other types would even consider. Can be susceptible to randomly high spending due to stress.
Modus Operandi: Often frugal. Over compares then it's superceded so process starts again. Are arrogant and judgmental, so they will vocally criticize anyone who does not follow the same financial path.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal





by E. Hunter™


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