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

Author: Emily Valadez

  • Finance

Slash College Costs: Smart Ways to Save Money Without Sacrificing Quality

Posted on March 5, 2024March 5, 2024by Emily Valadez

It’s no secret that going to college is expensive; however, there are ways to lighten the burden for students and parents.  Choosing the Right School Students have many options when it comes to choosing which college to attend. Staying local will save students and parents the most money. Staying local doesn’t mean less fun, and […]

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  • Finance

Cut College Costs: Money-Saving Strategies EVERY Student Needs to Know

Posted on January 19, 2024January 19, 2024by Emily Valadez

It’s no secret that going to college is expensive; however, there are ways to lighten the burden for students and parents.  Choosing the Right School Students have many options when it comes to choosing which college to attend. Staying local will save students and parents the most money. Staying local doesn’t mean less fun, and […]

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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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