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

Author: Haley White

  • Finance

13 Money Tips You’ll Only Learn Through Experience

Posted on December 26, 2024January 14, 2025by Haley White

If your education stopped short of teaching you how to manage your finances, these tips can help you get on the right track.  Closing Gaps in Financial Education For some reason, most schools still don’t include personal finance lessons as part of the standard curriculum, leaving young adults in the lurch as they go out […]

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  • Better Life
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    • Personal Finance

Expert Tips to Simplify Selling Your Home in Today’s Market

Posted on October 3, 2024September 30, 2024by Haley White

While the housing market is unprecedented, check out these expert tips for making the home-selling process as easy as possible. What to Do to Prepare a Home for Sale If you’re considering selling your home in 2024, you may face a daunting process. Whether it’s your first time selling or you’re a property veteran, some […]

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  • Finance

California’s Squatter Storm: Action Brewing or All Talk?

Posted on June 12, 2024June 10, 2024by Haley White

Following the lead of several other states around the country, California has issued a stark warning to squatters in the Golden State. A National Issue In several high-profile cases in states like New York and Florida, homeowners have made national headlines as they fought to regain control of their properties from strangers.  The Price of […]

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  • Better Life

13 Essential Money Lessons You Won’t Learn in School

Posted on June 4, 2024June 3, 2024by Haley White

If your education stopped short of teaching you how to manage your finances, these tips can help you get on the right track.  Closing Gaps in Financial Education For some reason, most schools still don’t include personal finance lessons as part of the standard curriculum, leaving young adults in the lurch as they go out […]

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  • Finance

Suze Orman’s Bold Advice: Shift Focus from Retirement to the Present

Posted on June 2, 2024June 1, 2024by Haley White

Saving for retirement is a critical part of adulthood, but some people may want to rethink their priorities. Find out what Suze Orman had to say. Orman’s Surprising Advice Famed financial expert Suze Orman ruffled some feathers recently with her retirement savings advice, but she had a good reason for her take on the issue. […]

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  • Better Life

Squatter Legislation Blocked by Arizona Governor

Posted on June 1, 2024May 31, 2024by Haley White

Squatters’ rights have been a hot-button topic around the country, but one Democratic governor has squashed a bill designed to protect the rights of property owners. Katie Hobbs Says No to Anti-Squatter Bill Katie Hobbs, the current governor and former Secretary of State of Arizona, has drawn ire from property owners in her state after […]

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  • Career

$20 Wage Increase Forces California Restaurants Out of Business

Posted on June 1, 2024May 31, 2024by Haley White

Earlier this year, a minimum wage hike for many fast-food restaurants in California was announced. The move garnered national attention, and some businesses weren’t up to the task. Restaurants Close Due to Minimum Wage Hike Californians looking to enjoy a Fosters Freeze or Mod Pizza treat in some cities are sure to be disappointed when […]

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  • Career

L.A. Times Staff Cuts Spark Fears for Journalism’s Future

Posted on May 28, 2024May 24, 2024by Haley White

One-fifth of the journalists working for the Los Angeles Times will be saying goodbye to their jobs this week as the company faces a “financial crisis.” Journalists Laid off in Mass Numbers The newsroom at the Los Angeles Times will be a little quieter now, following a layoff of over a hundred journalists. A majority […]

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  • Personal Finance

USDA Loans: Making Your Dream Home a Reality

Posted on May 27, 2024May 27, 2024by Haley White

Prospective homebuyers have many options when it comes to financing their new homes, but some loan types can offer the opportunity of homeownership to those who may not have a down payment saved. For those who qualify, USDA loans can be a great path to owning your home. What is a USDA Loan? USDA, or […]

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  • Career

Baby Boomers Speak Up Against Workplace Age Bias

Posted on May 22, 2024May 20, 2024by Haley White

Baby boomers are worried about facing mistreatment at work and getting overlooked for job opportunities because of their age. Discrimination Between Demographics When it comes to finding new jobs, many demographics, from women to people of color to members of the LGBTQ+ community, worry that they will face discrimination during the hiring process.  Two-thirds of […]

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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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