One of the smartest ways to exercise overall frugality is to take advantage of people.  Now, I don’t mean “taking advantage of people” in the traditional sense of the phrase — using people for your own benefit, without ever offering anything in return.  But we should recognize that people are a resource.  God has placed people in our lives who have a variety of strengths — usually different strengths than our own!  So make use of the skills, gifts, and talents that surround you — but be sure to share your own, as well! 🙂