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

Author: Kathryn Vercillo

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    • Personal Finance

Millennials vs. Baby Boomers When It Comes To Money

Posted on May 22, 2019May 21, 2019by Kathryn Vercillo

Each generation is different from those that come before and after it. There are a lot of complicated reasons for that, of course. Put simply, though, society shapes us. Therefore, what we experience as we grow up tends to shape our behavior. This is particularly true when it comes to money. Of course, within each […]

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  • Better Life

Sharing Economy: Can You Take It Too Far?

Posted on May 17, 2019by Kathryn Vercillo

I definitely take part in the sharing economy. For example, I don’t own a car. When I need to use one, I either call a Lyft ride or do a peer rental from a site like Getaround. In the past, I’ve rented out a room in my apartment using AirBnb. I’ve definitely stayed in AirBnb […]

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  • Better Life

What is Frugal Fatigue and How to Fight It

Posted on May 15, 2019by Kathryn Vercillo

There have been times in in my money-saving journey when I have caved in to frugal fatigue. Put simply, I got sick of living frugally. I got tired of doing the things I knew I should do to save money long-term. Therefore, I splurged. I busted my budget. It may have felt good momentarily but […]

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  • Personal Finance

What to Know Before Cosigning a Loan

Posted on April 26, 2019April 26, 2019by Kathryn Vercillo

If you are thinking about cosigning a loan, then there a few things that you should educate yourself first. I have cosigned a few loans in my lifetime. Each of those experiences worked out perfectly fine, which I attribute to the research, in-depth thought process, and boundary-setting that I did before I agreed to do […]

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  • Better Life

Money Motivators: What Drives Your Spending?

Posted on April 24, 2019by Kathryn Vercillo

Money means different things to different people. As a result, everyone has different money motivators. If you understand yours then you can get a better grip on your finances. Money motivators affect your earning, saving, and spending habits. In this article, we will look at some of the things that commonly drive people’s spending. If […]

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  • Better Life

Where to Take Free and Cheap Online Classes

Posted on April 16, 2019by Kathryn Vercillo

I have personally paid a lot of money for my education over the years. There are pros and cons to going the traditional college route. I’m happy with the choices that I’ve made. That said, there are so many awesome options available these days to take free and cheap classes online. If you’re more interested […]

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  • Better Life

5 Things to DIY to Save Money

Posted on April 12, 2019by Kathryn Vercillo

I love to DIY projects. Well, some projects. I have a limited range of crafting ability. I’m good at what I’m good at … then there are the other things. Of course, if I’m having fun with a project then it doesn’t matter much how skilled at it I am. On the other hand, if […]

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  • Frugal Tips

Urban Frugality: Save Money Commuting with Electric Scooters

Posted on April 5, 2019April 2, 2019by Kathryn Vercillo

I remember very clearly when electric scooters started showing up all over the streets of San Francisco. Several companies dropped them onto the streets around the same time. A few people loved them. They could save money commuting to work by using them. Alternatively, tourists could get around easily on them. Unlike Zipcar, they didn’t […]

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  • Better Life

Don’t Forget The Bridge Period if You Want To Retire Early

Posted on April 3, 2019April 2, 2019by Kathryn Vercillo

If you want to retire early, then you have to plan accordingly. Unless you happen to strike it super rich when you’re young, early retirement means that you have to take a long view of your financial future. One of the things that people often forget is to plan for the bridge period. What is […]

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  • Better Life

The Best and Worst States to Retire Early

Posted on March 27, 2019March 24, 2019by Kathryn Vercillo

If you want to retire early, then you have to do a lot of planning. After all, you’ve got to anticipate a variety of factors about the future. Then you have to make a strategic plan that incorporates what you anticipate. One of the things that you have to take into consideration is where you […]

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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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