Fenomenologi Gaya Hidup Frugal Living: Analisis Peran Media Sosial, Penggunaan E-Wallet, dan Strategi Pengelolaan Keuangan di Era Digital

Abstract

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.