In the quest for financial independence, frugal living and cost control are sometimes viewed as mutually exclusive. Frugality can be perceived by some as a deprivation of life’s pleasures, while others see it as a pointless financial balancing act. But both are necessary for living a full, rich life without sacrificing financial objectives. This post will examine the idea of frugality and costs in an Indian setting. It was prepared by a certified financial planner, financial coach, and mentor. According to the author, being frugal is about making prudent financial decisions rather than giving up comfort or happiness. Being frugal encourages people to assess their expenditure, concentrate on necessities, and cut out unnecessary spending. The author’s experience as a certified financial planner, mentor, and financial coach will offer guidance on finding equilibrium between frugality & expenses.