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From Frugal to Free
Frugal adventures on the road to financial freedom.

Author: Rebecca Britton

  • Personal Finance

25 Budgeting Errors That Keep You Struggling Financially

Posted on December 27, 2023December 26, 2023by Rebecca Britton
pile of coins and piggy bank, Interest rate and dividend concept Businessman is calculating income and return on investment in percentage. income, return, retirement, compensation fund, investment

Effective budgeting is a cornerstone of financial stability, yet many people find themselves struggling due to common budgeting errors. These mistakes can hinder your ability to save, invest, and even meet your daily financial needs. If you’re aware of these common pitfalls, you can avoid them, so your finances stay on track. 1. Not Having […]

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  • Personal Finance

25 Sneaky Tricks Grocery Stores Use To Make You Spend More

Posted on December 27, 2023December 26, 2023by Rebecca Britton
Unrecognizable woman checking a long grocery receipt leaning to a full shopping cart at store.

Grocery shopping is a routine task for most of us, but many don’t realize the array of strategies grocery stores use to encourage customers to spend more. These tactics are often subtle, playing on human psychology and habits. Knowing these tricks can help you shop smarter, save money, and resist unnecessary purchases. 1. Strategic Layout […]

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  • Frugal Tips

25 Thrifty Ways to Decorate Your Home Without Splurging

Posted on December 27, 2023December 26, 2023by Rebecca Britton

Decorating your home doesn’t have to mean emptying your wallet. With a little creativity and thrifty resourcefulness, you can uplift and transform your living space without spending a fortune. I love finding ways to decorate and uplift my home without overspending. 1. Repurpose Old Furniture Give old furniture a new lease on life with some […]

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  • Frugal Tips

25 ‘Affordable’ Cooking Gadgets That Are Useless

Posted on December 27, 2023December 26, 2023by Rebecca Britton

There are so many gadgets for the kitchen! They’re usually marketed as affordable, time-saving, effortless, and awesome. I’ve fallen for the ads and bought my share of cheap but ultimately useless kitchen gadgets, too. Take a look at some of the most useless (but totally affordable) kitchen gadgets that you really don’t need. 1. Banana […]

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  • Personal Finance

25 Financial Pitfalls People Over 50 Must Avoid

Posted on December 27, 2023December 26, 2023by Rebecca Britton

As you approach your 50s, financial foresight becomes more crucial than ever. This decade is often your last chance to fine-tune your retirement plan and avoid critical mistakes. But it’s so easy to misstep and scupper your retirement plans. Here, we look at 25 common financial pitfalls you must avoid to secure a comfortable and […]

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  • Frugal Tips

25 Frugal Living Tips That Could Save You Thousands

Posted on December 23, 2023January 4, 2024by Rebecca Britton

As the cost of living continues to climb, managing your finances smartly is more critical than ever. Adopting frugal living habits can significantly cut down your expenses, paving the way for a more secure financial future. And you don’t have to sacrifice all of your little pleasures, either. We’ve got 25 practical frugal living tips […]

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  • Personal Finance

25 ‘Frugal’ Wedding Ideas That Make Your Big Day Look Cheap

Posted on December 23, 2023December 22, 2023by Rebecca Britton
comfy wedding seats

Weddings are a celebration of love, but they can also be a significant financial burden. According to The Knot, the average American wedding cost a whopping $30,000 in 2022! So you can understand why people want to make savings where possible.  While it’s wise to be budget-conscious, there’s a fine line between frugal and cheap. […]

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Frugal’s Financial Guidelines

Start with these simple guidelines to save money and invest in your future:

  1. Write down own the top three reasons you want to save money. Post it as a reminder to keep on track with your goals.
  2. Learn to budget. Then do it, diligently.
  3. Cut costs. Reduce spending by 10% across all categories.
  4. Direct deposit 10% of every paycheck directly into savings. Build up an emergency savings fun with a minimum of $1000. Aim for six months of living expenses.
  5. Maximize retirement savings. Contribute as much as you can, especially if you have an employer-matching plan.
  6. Begin investing in small ways. Use apps to begin investing with just a tiny amount of money. Learn how it works.
  7. Build credit wisely. Use a credit card for monthly expenses. Pay it off on time every month.
  8. Learn to communicate about money. With everyone. The better you get at talking about money, the more you’ll set yourself up for financial success in all areas of your life.
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