i think it differs from person to person, skimping on good food and things isn't a good idea imo because good food and sleep are what let us perform better, no matter the field.

Some people love being ultra frugal though, like a hobby, couponing etc, so for them it's probably almost fun

Ideally, the line for me is when the effort expended to save exceeds what I know I would expend to earn more. It's easy to get stuck in saving or earning mode though.

As far as categories of saving, I agree that health and education are the last categories you want to begin sacrificing.

I think it's good to be frugal in some areas but not in all. Don't cut corners when it comes to the health and safety of your family (for example- if you need new brakes on your car- get new brakes). That doesn't mean you never eat a crappy meal because it is cheap but that shouldn't be the norm.

Also education for the kids. We homeschool our kids so whatever tools they need (devices, books, stuff for experiments, subscriptions etc) we don't think twice about. And each kid gets at least one extra curricular activity.

I don't partake in this frugality and sacrifice.

That is a scarcity mindset and it makes you expect to have "not enough".

😂 mala pobre así me considero, también me gusta darme mis gustos aunque tengo que ahorrar como siempre, debo separar para el médico aunque no esté enfermo, pagar impuestos y sobre todo los alimentos semanales. 🤔 Pienso en mis placeres a corto plazo, aquí suele decirse " lo que no se va en llanto se va en suspiro" así que disfrutó un poco como puedo para ser feliz y el resto, si bien viene bien se va y como dice otro dicho "a llorar a maternidad 👋.

Spend with care.
Not with fear.
Because in the end, the richest part of life isn’t the balance in your wallet it’s the stories you can tell.

And you don’t tell many when you’re home scraping skerricks from a tube..