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

Author: Justin Weinger

  • Frugal Tips

Keep Cool & Save Money In The Summer Heat

Posted on May 6, 2019November 13, 2019by Justin Weinger

Just because the temperatures outside are rising doesn’t mean that your energy bills have to rise at the same time. When the summer heat hits, it can be tough to stay comfortable without relying heavily on your air conditioning system. Turning your thermostat down isn’t your only option to help you save a bit of […]

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  • Personal Finance

Ways to Tackle Debt for the Good of Your Wallet

Posted on March 31, 2019November 13, 2019by Justin Weinger

Debt, it’s a filthy four letter word that gets tossed around a lot more than most people would like. Yet, many people are swimming in it like beautiful blue water off the coast of Hilton Head Island in South Carolina. And for what? Student loans, car payments or frivolous spending? If you’re drowning in debt, […]

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  • Personal Finance

The Challenges of Starting a Small Business

Posted on January 18, 2019January 21, 2019by Justin Weinger

Starting a new business is always a big leap of faith for so many people. You have decided to start something for yourself and be your own boss, but you don’t know how things may turn out. One certain thing is that you can’t start a business today and expect it to be thriving tomorrow. […]

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  • Personal Finance

9 Great Ways to Make Extra Money That Don’t Take Up Too Much Free Time

Posted on June 30, 2017November 13, 2019by Justin Weinger

What do you do if you need to earn extra cash but want to maintain your life/work balance? Well, the good news is that there are lots of ways to make a second income that do not take up too much of your spare time. Below we present you with you 9 great ways to […]

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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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