I seriously am not at all frugal. I am a proponent of saving money for various emergencies, however I don’t go over the top. I tend to pick up things for people & myself for no reason, just for a smile. Also, I have constantly been suspicious of sales pitches. I have known more than a few people who have gotten scammed & I think every salesperson has a terrible agenda. I don’t trust it in the slightest. When I had trouble with our heating equipment over the Wintertime, I naturally contacted a local Heating, Ventilation, & A/C company to come out & provide me with a diagnosis. Almost right away the heating & cooling worker told me I had to update the equipment altogether. Possibly a normal person wouldn’t have been skeptical of that response, however for some reason I immediately was. I questioned him what exactly was wrong with it & he launched into a technical explanation wherein I could only understand the words “if” & “the.” I did, however, shorthand a few things & copied keywords. When he eventually left, I went on the internet & did some research on what had been said to me. Again, it was a bunch of technical Heating, Ventilation, & A/C jargon, so I decided to call another company that had been recommended to me by a trustworthy friend. This Heating, Ventilation, & A/C specialist came & spent about twice as long looking at the equipment than the first guy. He was able to tell me what was wrong, the price for fixing it, & in general he was completely straight with me. He explained things to me in a way that was simple to understand. I didn’t think he was trying to trick me into something. He seemed to be saying the same things the first guy did, however it was more the manner in which he said them that swayed me into ultimately going with him for the task of fixing our Heating, Ventilation, & A/C equipment.