Frugality Wisdom with the right mindset will focus Wealth as Thought and Not things , as most meaningful manifestation of frugality is in the use of our time, our words, our thoughts and our actions. Hongkong Tycoon Mr Li once told his son: “My apple tastes different to yours. It tastes much better. That is because when I was a little boy, I passed by fruit stands, and I had no money to buy any fruit.” He further elaborates ; “Observing billionaires spending their money, we learn a lesson in living: Life can be designed . Careers can be planned .Happiness can be prepared . When you are poor , try spend less time at home and more time outside . When you are rich ,stay at home more and less out side . This is the art of living with frugality . When you are poor spend money on others . When you’re rich spend money on yourself. When one is poor be good to others , When one is rich, one must learn to let others be good to you . You have to learned to be good to yourself better. When you are poor , you have to throw yourself out in the open and let people make good use of you When you are rich , you have to conserve yourself well and don’t let people make use of you. You do not need to be afraid of being poor , you need to know how to invest in yourself and increase your wisdom and stature .