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

Author: Kara

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    • Frugal Tips
    • Personal Finance

How Much Money Should You Tip At Massage Envy?

Posted on October 13, 2020May 10, 2023by Kara

It isn’t always easy to figure out how much to tip in America. We tip everyone from coffee baristas to massage therapists. However, the amount varies quite a bit. When you get a massage at an affordable place such as Massage Envy, it’s hard to know what’s fair to tip. But it’s important that you […]

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  • Personal Finance

Guest Post: A Frugal Person’s Intro to Travel Hacking

Posted on March 4, 2020January 31, 2022by Kara

While I’m driving around the U.S, I’ve asked some personal finance friends to share their wisdom. Today we’ve got The Frugal Vagabond  here to share his tips on travel hacking. Below is an incredible breakdown of how and why people use travel hacking to save big on travel. And send your congrats to our dear […]

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Challenge Your Spending: Saving Money on Insurance

Posted on March 2, 2020March 30, 2020by Kara

Well it’s official- my monthly income has definitely dropped. I am down to just three jobs (just three jobs?) and three paychecks and my-oh-my, how the numbers have fallen. Thankfully, kicking my own butt for the last 5 months paid off and I am on schedule to be debt free this week! All that excitement aside, I […]

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  • Personal Finance

Save Money By Shopping a Going Out of Business Sale

Posted on April 23, 2018April 10, 2018by Kara

Ready to save  loads of cash and stock up? Then you’re ready for a going out of business sale. More and more stores are moving to predominantly online business models- how many headlines have you read that show another store closing? A going out of business sale can mean huge discounts on all the store’s […]

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  • Personal Finance

What is The Weeknd’s Net Worth?

Posted on April 16, 2018September 5, 2023by Kara

It’s impossible to turn on the radio and not hear a song that is by or features the The Weeknd. The Weeknd (real name Abel Makkonen Tesfaye), is a singer from Canada who has dominated the pop charts for the last several years. His songs like ‘Can’t Feel My Face’ and ‘Starboy’ have been worldwide hits, […]

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Three Things Do Do With Your Tax Refund

Posted on April 11, 2018April 4, 2018by Kara

It’s tax return season! If you’re looking forward to a tax return you might already be planning out how you’re going to spend it. A new pair of sneakers? A trip to Chile? Everyone deserves nice things. If you haven’t had anything nice in a few months, using your tax return to treat yourself is […]

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Why You Should Never Cosign a Loan for Anyone

Posted on April 4, 2018by Kara

If you’ve ever been asked to cosign a loan you know that there’s a lot to consider before you sign your name to anything. When you cosign a loan you tell a lender that if the other person on the loan fails to pay it back for any reason, you’ll be the one to pay […]

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  • Personal Finance

Should You Buy Used Home Exercise Equipment Or A Gym Membership?

Posted on March 26, 2018by Kara

Have you ever told yourself ‘Tomorrow I’m going to start working out’? I know I have countless times. Health is a priority for a lot of people, but finding the time and the money to work out can be a challenge. Is it better to sign up for a gym membership or to make yourself […]

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  • Personal Finance

A Guide to Buying Healthy Foods At Walmart

Posted on March 19, 2018March 18, 2018by Kara

Walmart is a Mecca of affordable pricing. The conglomerate is dedicated to keeping prices super low for it’s customers, which means it’s a great place to shop for those on a budget. Walmart’s low prices don’t mean you have to trade health for savings either. Walmart healthy foods can often be gotten at a bargain price. […]

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  • Personal Finance

How You Can Negotiate Cheaper Rent For Yourself

Posted on March 12, 2018March 7, 2018by Kara

Take a look at your monthly expenses; I bet rent is one of the highest items on the list. We all need a place to live, and it doesn’t always come cheap. What do you do if your rent goes up but you love where you live? Are landlords the ones holding all the power? […]

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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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