Filed Under: Miscellaneous Frugal or Cheap—Which One are You? I describe myself as a penny-pincher. But does that mean I'm frugal…or just cheap? I took a little self-test over at Moolanomy called Frugal or Cheap?, and I'm happy to say I scored smack dab in the middle of FRUGAL! Take the test if you'd like; it's quite revealing!