The term 'is frugal' can be described by the crossword solutions of skimping, stinting, scrimping, and underspending. Skimping is the practice of spending as little money as possible on something, while stinting is the practice of limiting the amount of something used or consumed. Scrimping is similar to skimping, but it also involves cutting back on luxuries or unnecessary items. Underspending is the practice of spending less than what is budgeted or expected. All of these terms describe a person who is frugal, or someone who is careful with their money and resources.