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

Author: Bernadine Racoma

  • Personal Finance

How to Best Manage Your Bankroll While Playing Slots

Posted on October 30, 2024October 30, 2024by Bernadine Racoma

There’s nothing better for me on a Friday night than to kick off my shoes, order my takeout, and settle down for a night of slots. You’ll find plenty of iGaming apps on my phone, and you’ll often find me spinning reels with a movie on in the background. It’s a great way to relax […]

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    • Frugal Tips

Digital Discounting: How To Become A High-End Video Gamer Without High-End Costs

Posted on July 2, 2024July 3, 2024by Bernadine Racoma

Video games – a pastime that we all love and spend (probably far too much) time on – come with one significant drawback to our wallets. Video games are notoriously expensive, and if you’re only just starting up your game collection, you could be looking at hundreds or even thousands of dollars to get anything […]

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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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