Tightwaddery without creativity is deprivation. When there is a lack of resourcefulness, inventiveness, and innovation, thrift means doing without. When creativity combines with thrift you may be doing it without money, but you are not doing without.
No one ever said at the end of his days; 'I have read my bible too much, I have thought of God too much, I have prayed too much, I have been too careful with my soul'