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

Author: Ian Ferrero

  • Travel

15 Overrated Travel Destinations That Aren’t Even Worth Talking About

Posted on February 24, 2024February 23, 2024by Ian Ferrero

Traveling can be difficult, with the hardest decision regarding where to travel. When out and traveling, saving money can be an essential factor for some people, so resorting to a budget vacation spot may be extremely helpful for a great time but on a small budget. While choosing a budget spot may be a good […]

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  • Travel

25 Simple Money-Saving Tips to Live Well on a Tight Budget

Posted on February 21, 2024February 21, 2024by Ian Ferrero

Everyone strives for financial freedom at a point in their lives, but that may come at different times. To get here, living on a tight budget may be one of the first steps, but there’s a preconceived notion that living well on a small amount of money is hard. Going about this does not have […]

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  • Personal Finance

24 Habits of Highly Financially Successful People

Posted on January 12, 2024January 11, 2024by Ian Ferrero
Woman celebrating improvement of her credit score and debt consolidation

Building habits early is a massive key to success in the real world and financially. These habits can vary from many different things, but many are just simple habits you can build from the start to ensure financial success and freedom. If you do not follow these habits and neglect to pay attention to them, […]

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  • Frugal Tips

24 High-Cost Subscription Services That Aren’t Worth It

Posted on January 8, 2024January 8, 2024by Ian Ferrero
TV subscriptions.

Subscriptions vary from different things, such as streaming services, sports, shopping, or your favorite hobby. Many companies now have monthly subscriptions just for you to be able to do simple things, especially the ones you could do for free, just a few months ago. While some subscription services may be worth it depending on the […]

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  • Frugal Tips

24 Frugal Hacks to Make Your Everyday Items Last Longer

Posted on January 6, 2024January 5, 2024by Ian Ferrero
store shampoo upside down

Regardless of your income, everyone could use a little bit more of saving their money, which is a stress reliever once the money is saved. While most people agree that saving money is hard, these small life hacks will save you money and make your everyday items last just as long. These frugal life hacks […]

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  • Travel

15 Overrated Budget Travel Spots Not Worth Your Money

Posted on January 4, 2024January 3, 2024by Ian Ferrero
Calculator and money in a clip with note saying 'travel budget'

Traveling can be difficult, with the hardest decision regarding where to travel. When out and traveling, saving money can be an essential factor for some people, so resorting to a budget vacation spot may be extremely helpful for a great time but on a small budget. While choosing a budget spot may be a good […]

Read More
  • Frugal Tips

25 Tips for Living Well on a Tight Budget

Posted on January 1, 2024December 30, 2023by Ian Ferrero
Happy couple looking at finances.

Everyone strives for financial freedom at a point in their lives, but that may come at different times. To get here, living on a tight budget may be one of the first steps, but there’s a preconceived notion that living well on a small amount of money is hard. Going about this does not have […]

Read More

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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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