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

Author: Kathryn Vercillo

  • Personal Finance

How to Get Cash Back with the Earny App

Posted on January 30, 2019January 30, 2019by Kathryn Vercillo

If you aren’t using Earny yet, you are missing out. This is a tool that allows you to get cash back on your previous purchases. In other words, if you are spending money anyway, then a tool like this can help you reduce your costs. Of course, you save more money by not spending in […]

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Smart Money Habits to Embrace in the New Year

Posted on January 24, 2019by Kathryn Vercillo

I do have some smart money habits. However, I’ve also gotten away from some of my best money habits. The New Year seems like the perfect time to review. After all, it’s the time of year to think about habits. I’m thinking about what works that I want to keep doing. I’m thinking about what […]

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Where to Get Long Term Car Rentals

Posted on January 16, 2019by Kathryn Vercillo

I’m looking into long term car rentals. I live car-free in San Francisco. In fact, I have been without a car for the whole thirteen years I’ve lived here. I prefer not to drive if I don’t have to. However, I’m planning on spending a big chunk of the summer in LA, and I’m not […]

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  • Personal Finance

My Plan to Make More Money in 2019

Posted on January 9, 2019January 9, 2019by Kathryn Vercillo

I’ve come to the conclusion that I need to make more money in 2019. I always seem to have an ebb and flow when it comes to this topic. There are some years when it’s just not a primary focus. Then there are other times, including right now when it becomes financially important for me […]

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    • Personal Finance

What to Expect at a Tiny House Conference

Posted on January 4, 2019by Kathryn Vercillo

You are planning to go to your first tiny house conference. You’ve watched the tiny home television shows. You’ve followed the blogs and books that have emerged about tiny home culture. However, you still aren’t sure quite what to expect from your first tiny house conference. Here’s what you’re likely to find: Tiny Home Tours […]

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  • Personal Finance

How Much Should You Tip Uber Drivers?

Posted on December 26, 2018by Kathryn Vercillo

Just because the app offers you the option to tip does not mean you are required to tip Uber drivers. However, I think it’s a good practice to do so.  I tend to be one of those people who give generous tips to people in service positions. After all, my first jobs were in restaurants, where I […]

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    • Personal Finance

Last Minute Frugal Christmas Tips

Posted on December 21, 2018by Kathryn Vercillo

Every year I plan to have a frugal Christmas. I set my budget. I schedule inexpensive activities. Nevertheless, a few days before the holiday hits, I feel a bit of a panic. If I’m not careful, this can lead to last-minute spending that busts the budget and ruins my intentions. It never feels good when […]

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    • Personal Finance

Rent-to-Own Home Buying: Financial Pros and Cons

Posted on December 14, 2018December 14, 2018by Kathryn Vercillo

Rent-to-own home buying is an increasingly popular option. It can be a great way to work toward owning a home. However, it has some financial pros and cons. These are important to be aware of before you make such a big decision. What is Rent-to-Own Home Buying? As the name suggests, rent-to-own home buying is […]

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Frugal Art: 7 Affordable Ways to Decorate Your Home

Posted on December 7, 2018December 7, 2018by Kathryn Vercillo

Adding frugal art to your home is a terrific investment – art makes your home unique. In fact, it’s how you express yourself inside of your space, and it tells visitors something about you. Frugal Art to Match Your Lifestyle More than that, though, art gives you pleasure each and every day. Your home should […]

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  • Better Life

The Value of Time or Money: What’s Important During the Holidays?

Posted on November 30, 2018by Kathryn Vercillo

When it comes to the value of time or money, we’re often asked  which is more important. But your answer might depend on certain circumstances. For instance, is it different during the holidays? The Value of Time and Money: Which is Worth More? Many people value their time more than their money. However, when time […]

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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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