For example, let's say I have 100 bucks. If I spend it today I will have 100 bucks to spend. However, lets say I do what the so called experts suggest and put it in an saving account earning 3%. After just three years I would have 109.27. If I spend it in three years am I not spending 9.27 bucks more? That hardly seems frugal or like saving money.
Thus, it seems like it's best to spend what you have now so in the end you spend less overall because that is what being frugal is all about.
what do you all think?