First, in your mind what's the difference between frugal and cheap? 
Second, for some background a bit of a rant here as to why I was thinking about these two terms. In a group in Facebook someone posted they were 100% debt free (credit cards, student loans, medical bills, mortgage, etc.) and wanted suggestions on taking some family photos. The person explained they hadn't taken any family photos in two years and had a budget of $20. What would be your response?

Second, for some background a bit of a rant here as to why I was thinking about these two terms. In a group in Facebook someone posted they were 100% debt free (credit cards, student loans, medical bills, mortgage, etc.) and wanted suggestions on taking some family photos. The person explained they hadn't taken any family photos in two years and had a budget of $20. What would be your response?

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