Fenomenologi Gaya Hidup Frugal Living: Analisis Peran Media Sosial, Penggunaan E-Wallet, dan Strategi Pengelolaan Keuangan di Era Digital
DOI:
https://doi.org/10.37481/jmeb.v6i3.2129Keywords:
Frugal Living, Migrant Students, Social Media, E-Wallet, Self-ControlAbstract
This study explores the implementation of frugal living among migrant students in the digital era, particularly in relation to social media exposure and e-wallet usage. The research aims to understand how students interpret frugal living and develop financial management strategies while living independently. A qualitative phenomenological approach was employed, involving six migrant students at Universitas Kristen Teknologi Surakarta who had practiced frugal living for at least two years. Data were collected through in-depth interviews, participatory observation, and documentation, then analyzed using reflexive thematic analysis. The findings indicate that frugal living is perceived as a conscious effort to prioritize needs over wants rather than merely reducing spending. Social media has a dual role: it provides financial education and inspiration for a simple lifestyle, yet also encourages consumptive behavior through trends, influencers, and fear of missing out (FoMO). E-wallets similarly function as both financial control tools and triggers for impulsive purchases due to transaction convenience and promotional features. The study further reveals that self-control is more decisive than financial literacy in maintaining consistent frugal behavior. Over time, frugal living evolves from a survival strategy into a chosen lifestyle that supports financial stability and psychological well-being among migrant students.
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