节俭与吝啬，有时只是一线之差。
我向来没有到豪华餐馆吃大餐，或住宿高档旅店的习惯。穿着也相当老土，多数服饰都是等到购物商场举行大减价时才采购。
有幸出入高档酒店或餐馆，都得托工作的福。到外用餐，多选择在小贩中心去。
大手笔花钱，只限于买屋，买车，支付孩子们到国外求学的学费，生活费。
这种习惯，也许该“归功” 于本身原出生于家境一般的环境下。上中学时，是寄宿在槟城的亲戚家；过后上高中与大学时，便远赴他乡到新加坡，寄宿于学生宿舍。为环境所趋，得小心自理钱财。
不过说来也怪，在看戏这方面，我却从来没有手软过；学生时代 （尤其是上大学时），几乎每一两周便会到电影院捧场！
幸好我的另一半，对钱财开销，也持有同样的态度。可想而知，我们的孩子，也潜移默化的受到类似的影响。
When we went for family trips oversea, we never stayed in luxury and/or expensive hotels. We opted for one that offerred reasonable rate /relative comfort for overnight stays in our travel.
For meals, we either prepared our own breakfast, bought some fast food (burgers, fish and chips), and if time permit, cooked our own dinner. Of course, we did eat out in some restaurants, but not those fancy / expensive ones.
At home, the most fancy restaurants we frequented are Ding Tai Feng (in recent years), Jack's Place (when the kids were young), and of course MacDonald. Occasionally, we would eat at Swensons. Hawker Centres are out popular eating places.
We don't spend much on our clothes. In fact, I have been wearing "selected same" shirts for work for decades!
Am I being thrifty or stingy???
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