In today's increasingly complex financial landscape, frugal living has taken on a more nuanced and strategic form. Gone are the days when frugality was synonymous with deprivation or relentless penny-pinching. Modern households are beginning to embrace a more empowered approach—one that emphasizes control, clarity, and the kind of intentionality businesses apply to their budgets. At the heart of this evolution lies the concept of expense management. Traditionally seen as a tool for corporations and financial departments, expense management has now become a game-changer for everyday families looking to stretch their dollars further without sacrificing quality of life.