thrifty

frugal

Sparing with resources

• economicalUsing resources sparingly
• penny-pinchingExtreme reluctance to spend
• tightfistedUnwilling to spend freely

parsimonious · scrimping · sparing · miserly · cheap · stingy · cheapskate · pinchpenny · closefisted · penurious

saving

Reserving for future use

• piggybankChild's savings container
• stashHidden reserve
• reserveSupply kept back

stockpile · hoard · cache · squirreling · accumulating · bargain-hunting · secondhand · consignment · hand-me-down · bulk-buying

resourceful

Skilled at solving problems

• ingeniousCleverly original in design
• inventiveShowing original thought
• cleverShowing mental quickness

creative · enterprising · canny · adaptable · DIY · repurposing · upcycling · makeshift · handy · practical

spartan

Rigorously simple, unadorned

• austereSeverely simple and unadorned
• asceticOne who renounces indulgence
• minimalistOne favoring bare essentials

bare-bones · simple · modest · plain · unadorned · restrained · abstemious · monastic · stark · unembellished

budgeting

Allocating funds systematically

• planningArranging for future events
• trackingMonitoring location over time
• allocatingDistributing for specific purposes

managing · prioritizing · forecasting · expenses · cashflow · spreadsheet · allowance · discipline · restraint · self-control

• thrift sayingspenny saved, penny wise, pinch pennies, penny pincher, live within means
• bootstrappingself-funded, self-funding, sweat equity, startup funding, solopreneur
• Scoutingbadges, scout, Boy Scouts, campfires, scouts
• budgetingbudget, budgets, budget app, budget template, budget allocation
• frugalityfrugality, frugal, penny-pinching, economize, scrimp
• Money-Saving Wordsfrugal, economical, budget-conscious, cost-conscious, penny-pinching