One of the most frugal things you can do is give yourself down time. Bill Gates has a “think week” several times per year. Albert Einstein and Steve Jobs both scheduled “no time” where they had no duties or interruptions so they could focus on just thinking creatively. While it might be hard to understand how down time is a frugal activity, it is time where you are not spending money and instead are focused on making good decisions in your life, finances and business. Creativity happens during down time. When I write I close the door. This is “me time”. I’m actually talking to myself and letting you listen in. Time spent with the door closed and the internet and email off is vital to mental wellbeing and financial wealth. Your best ideas will come from the quiet time where distractions are not demanding your attention.