FRUGAL LIVING: STRATEGI ADAPTASI KEUANGAN RUMAH TANGGA DI ERA KETIDAKPASTIAN EKONOMI

Abstract

Global economic uncertainty threatens the financial stability of Indonesian households. This study identifies frugal living practices, supporting and inhibiting factors, and formulates a financial adaptation strategy model. A literature review with a narrative review approach examines journal articles from 2022–2026. Findings show frugal living practices include strict budgeting, smart shopping, reducing fixed costs, and repair culture. Supporting factors are financial literacy, gratitude, local cultural values, and digital communities. Inhibiting factors include materialism, social prestige, consumptive debt, and misinterpretation as stinginess. The adaptation strategy integrates religiosity, wise use of fintech, strengthening family character, income diversification, social safety nets, and continuous education. Frugal living is a holistic strategy for household financial resilience amid economic uncertainty.