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

Author: Joe Lysikatos

  • Finance

Inflation Unexpectedly Rises in February: Will There Be More Price Hikes Ahead?

Posted on March 20, 2024March 20, 2024by Joe Lysikatos

Despite a positive economic outlook from mainstream economists and financiers, inflation in the U.S. has unexpectedly crept up over the month of February. If you’re interested in finding out how this could affect you, read on. A Surprising Rise in Inflation Last month, inflation rose from 3.1% in January to 3.2%. While this might not […]

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  • Political

Ted Cruz Calls for Action Against Venezuelan Immigration Surge: Overthrow Maduro

Posted on March 5, 2024March 5, 2024by Joe Lysikatos

Republican Senator Ted Cruz has made headlines with his call for action to address the growing influx of immigrants from Venezuela into the United States. But what did he say that’s got so many people concerned? Let’s take a look. Cruz’s Call for Action In a recent interview with Newsweek, Ted Cruz suggested that the […]

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  • Finance

Home Prices Show Signs of Cooling: What Buyers and Sellers Need to Know

Posted on March 5, 2024March 5, 2024by Joe Lysikatos

The U.S. home market has had some ups and downs recently, leaving many people curious about what’s happening. Home prices have begun to slow down after rising steadily for some time, according to recent statistics. Here’s what you need to know about what’s happening and how it might affect you. The Case-Shiller Index Findings According […]

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  • Political

Florida Democrats Rally Against Republican Efforts to Remove Heat Protections for Outdoor Workers

Posted on March 4, 2024March 4, 2024by Joe Lysikatos

Florida’s scorching sun isn’t just a concern for beachgoers; it’s a serious issue for the folks who work outdoors every day. Imagine being out in the blazing heat with no water, shade, or chance to take a break. That’s the tough reality for many workers in the Sunshine State. Heat Stress Epidemic Teresa Choc, who […]

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  • Political

Mitch McConnell Announces Departure And Shakes Up Senate

Posted on March 3, 2024March 2, 2024by Joe Lysikatos

82-year-old Mitch McConnell, the longest-serving Senate leader in history, just declared that he will be leaving his position as the U.S. Senate’s Republican leader at the end of the current term. McConnell has been a well-known figure in U.S. politics for many years, and this decision has drawn the attention of many Americans. Long-Time Senator […]

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  • Political

Kentucky’s Workers in Peril as Bill Threatens Lunch Breaks

Posted on March 3, 2024March 2, 2024by Joe Lysikatos

Big news out of Kentucky – a recent decision by a House committee might shake up the way workers get their breaks. The committee greenlit House Bill 500, backed by Rep. Phillip Pratt, and if it passes, it could mean the end of lunch and rest breaks for Kentucky employees. The Controversial Bill The bill […]

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  • Political

Supreme Court Deliberates: Can Tech Giants Control Your Online Voice?

Posted on March 1, 2024March 1, 2024by Joe Lysikatos

In a landmark legal showdown, the U.S. Supreme Court is tackling a crucial question that could reshape the internet as we know it: Can tech companies control what you see and say online? Introduction to Supreme Court Cases The court recently listened to arguments in two cases, one from Texas and another from Florida, that […]

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  • Political

Mississippi Passes Bill to Expand Medicaid, Providing Healthcare Access to Over 210,000 Citizens

Posted on March 1, 2024March 1, 2024by Joe Lysikatos

There’s some big news coming out of Mississippi. The House of Representatives Medicaid Committee just took a major step forward by pushing through a bill that could expand Medicaid to more than 210,000 people in the state for the first time ever. Let’s break down the key points. House Bill 1725 and Speaker Jason White […]

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  • Political

New California Bill Empowers Undocumented Residents to Buy Homes

Posted on March 1, 2024March 1, 2024by Joe Lysikatos

In a move to make owning a home more attainable for all Californians, Assemblymember Joaquin Arambula, D-Fresno, is leading efforts to expand eligibility for the California Dream for All program. This program, which helps people buy homes by providing down payment assistance, is set to undergo some changes with Assembly Bill 1840. Here’s what you […]

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  • Political

4 Days Left to Avoid Government Shutdown: Your Paycheck, Services, and More Hang in the Balance

Posted on March 1, 2024March 1, 2024by Joe Lysikatos

With just four days left until a possible government shutdown, things are getting tense in Congress. Lawmakers are struggling to agree on how to fund the government, and time is running out fast. Let’s break down what’s happening and why it might matter to you. The Countdown to a Spending Bill Showdown So, what’s the […]

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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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