The Frugalometer™ measures who is tight and who is not.
Frugal is defined as "characterised by or reflecting economy in the use of resources".
Frugal patters are: Director; Investigator; Practitioner; Objective Thinker; Perfectionist; Enhancer.
They have allegedly been issued with a post-nominal title (F. Gal) at the Netaji Subhash Chandra Bose University on April 1, 2018, using non standard orthography.
Others are entitled as Spendthrift™ (S.Thrift).

Director - ESTJ

Why? Good saver, if financially-focussed can develop a reputation for being cheap. Wealth may used to be seen as high status. Motivated by work. May adapt to the spending habits of their friends.
Modus Operandi: Cost cutter; susses out deals; pursues compensation for errors or poor service.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal

by B. Collie

Developer - ENTJ

Why? Good income producer, lackadaisical attitude towards saving. Work hard, play hard, make money to spend freely on what they want is a consistent belief about money and actions.
Modus Operandi: Invests high amounts on themselves for large returns.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift

by G. Shepherd

Results - ESTP

Why? Fun focussed. High spender for events - travelling and dining out with lots of friends. Good income but high spending habits may lead to trouble continuing adventurous lifestyle.
Modus Operandi: Huge on themselves. Risktaker.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift

by J. Russell

Inspirational - ENTP

Why? Takes one day at a time. Income producer but ability to save for the future will usually come second to spending on things they want now. Spend as much as they make.
Modus Operandi: Savvy with their purchases given the right attitude.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift


by B. Terrier

Persuader - ENFJ

Why? Does not care about money. More controlled than Promoters. Good time with friends is done without too much spending. Does not plan to become rich but have a modest amount of savings to spend when they want.
Modus Operandi: Controlled and aware of expenditure.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift

by T. Boxer

Appraiser - ESFJ

Why? Good savers but may be susceptible to becoming very focussed on showing off wealth, depending on the values they grew up with. If public consumption of wealth was valued, then could spend high amounts on clothing, dining out and travel.
Modus Operandi: May use to show off - “high status”.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift

by G. Dane

Promoter - ENFP

Why? Money takes form as an expression of their zest for life, but will have a good life anyway. Have an endless list of ideas that they can come up with to spend things on.
Modus Operandi: Carefree spender.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift



by G. Retriever

Counselor - ESFP

Why? Resourceful and sometimes inefficient. Emotion drives highly desired purchases even even though they know it is a logically bad decision.
Modus Operandi: Spend often but in small bursts.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift




by A. Poodle

Specialist - ISFP

Why? Has finely tuned aesthetic tastes and is generally interested in expressing identity to people with money. This can lead to high spending on clothing especially along with dining out with friends.
Modus Operandi: Will scale back when required.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift

by S. Bernard

Investigator - INFJ

Why? Good savers but when surrounded by peers may feel tempted to spend more due to stress and momentary carelessness. Does not care about money much but it is something that is important when making career decisions.
Modus Operandi: Can be tempted out of frugality.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal

by G. Hound

Agent - INFP

Why? Carefree. Spending habits are reflective of the going environment. If from a money-conscious household, will be money-conscious. Need right people to guide them if not.
Modus Operandi: Takes risks beyond what can be managed.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift

by A. Tibetan

Achiever - ISTP

<Why? Big risktaker wanting to experience life to the full. Likes travel and new experiences with dining along with other material luxuries.
Modus Operandi: Makes brash decisions and spends much more than should.
Frugal (F. Gal) or Spendthrift (S.Thrift): S.Thrift


by H. Bassett

Practitioner - ISFJ

Why? Good savers. Does not require much from purchases to be satisfied with life. Likes to spend on a few social displays of wealth such as eating out at restaurants with friends, clothing, etc.
Modus Operandi: Very reserved with money.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal





by A. Malamute

Objective Thinker - ISTJ

Why? Nest builder. Spends little on luxury goods compared to other types. Can have a tendency to spend large amounts on a few image items such as expensive cars, clothing or other items. Provides a “good life” for their loved ones.
Modus Operandi: Cheap for the most part.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal


by B. Mountain

Perfectionist - INTP

Why? Life is an endless amount of possible experiences which they wish to experience some day and spending focussed on this which may involve expensive tastes. Can scale back. If in the money, may spend more exuberantly than they should.
Modus Operandi: Frugal in general.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal



by P. Illon

Enhancer - INTJ

Why? Future-oriented and generally will not spend above income. Will spend high amounts on items they feel are important to them after extensive analysis; more than other types would even consider. Can be susceptible to randomly high spending due to stress.
Modus Operandi: Often frugal.
Frugal (F. Gal) or Spendthrift (S.Thrift): F. Gal



by A. Ghan


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