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

Author: Haley White

  • Career

The Top Jobs Threatened by AI and Automation

Posted on May 20, 2024May 16, 2024by Haley White

AI is becoming more widely used than ever. Could artificial intelligence do your job? Concerns About Artificial Intelligence As AI programs like ChatGPT grow, more workers worry about whether they are replaceable by a machine. According to AI experts, some jobs are at higher risk than others, and the type of work you do determines […]

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  • Career

Spirit Airlines Acts Firmly: Pilots Furloughed, Aircraft Orders Pushed Back

Posted on May 14, 2024May 13, 2024by Haley White

Joining a long list of companies making employment cuts, Spirit Airlines has announced furloughs for a large group of pilots. Spirit Airlines Looks to Save Money Budget airline Spirit Airlines has been a preferred option for years for many people who prefer to travel light. Their hefty baggage fees offset the low flight prices, but […]

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  • Career

New Student Loan Forgiveness Plan Brings Relief to Millions

Posted on May 14, 2024May 13, 2024by Haley White

Revisions to federal plans to forgive student loans could have a major impact on millions of Americans. President Looks to “Plan B” to Fight Student Debt After the Supreme Court rejected President Biden’s $400 billion plan to forgive student loans for millions of borrowers, the administration has announced what they’re calling “Plan B” — a […]

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  • Frugal Tips

Earn on the Side: 15 Profitable Side Gigs to Consider

Posted on May 10, 2024May 9, 2024by Haley White

Considering looking for a second job or side hustle to supplement your income? Check out these options that can help pad your bank account. Most Americans Could Use Extra Money If you’re finding yourself in need of some extra cash to make ends meet, you’re not alone. Two-thirds of Americans are living paycheck to paycheck […]

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  • Finance

UPS Terminates Remote Work after Significant Job Cuts

Posted on May 10, 2024May 8, 2024by Haley White

UPS is the latest in a string of employers making headlines for demanding their remote employees return to work in the office. They’ve also just announced that they’re cutting 12,000 jobs. UPS Announces Mass Layoffs International shipping giant UPS has announced a significant round of layoffs to come in 2024. The company says they plan […]

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  • Finance

California’s $20 Minimum Wage Puts Fast Food Jobs in Danger

Posted on May 9, 2024May 8, 2024by Haley White

Fast food companies prepare to lay off staff to avoid increased payroll expenses. Minimum Wage Increase Driving Job Cuts Effective April 1st, some fast food companies in California will be required to offer their employees a minimum wage of $20 per hour. This has prompted some companies to initiate rounds of layoffs to avoid the […]

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  • Finance

Freeze on Loan Repayment : Halfway to Forgiveness, Skip Payments

Posted on May 9, 2024May 8, 2024by Haley White

Millions of borrowers are saying no to student loan payments that have come due since the payment pause ended. Find out why these borrowers are refusing to make their payments. 40% of Student Loan Borrowers Not Paying Close to half of all student loan borrowers who have had loan payments come due following the end […]

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  • Finance

Squatter Problem Solved: Florida Puts End to the “Scam”

Posted on May 8, 2024May 6, 2024by Haley White

Evicting unlawful squatters has been a difficult process until now, and Florida homeowners are thrilled that their properties will have more protection going forward. Florida Changes Rights for Squatters In many states, squatters — people living in a property without permission — are granted rights under the law that make it challenging for homeowners to […]

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  • Finance

California’s Aid Program: Home Sellers Split Profits for Support

Posted on May 8, 2024May 6, 2024by Haley White

A homebuyer assistance program in California provides a down payment to some people who are purchasing homes, but there’s a caveat that buyers should be aware of. CalHFA Dream for All Initiative Returns California has reintroduced a program that initially started in 2022. This homebuyer assistance, conceived by Senator Toni G. Atkins, offers a loan […]

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  • Finance

Will Stretching Mortgages to 100 Years Secure the American Dream?

Posted on May 7, 2024May 7, 2024by Haley White

Real estate mogul and author Grant Cardone predicted that the future of homeownership will look drastically different sooner rather than later. Is Homeownership a Pipe Dream for the Average American? In an economy that has seen home prices double in some areas over the past few years, Americans who wish to become homeowners are running […]

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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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