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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

My 5 Frugal Goals for January 2022

Posted on January 4, 2022by Kathryn Vercillo
My 5 Frugal Goals for January 2022

Some people make New Year’s Resolutions. Other people choose not to. I tend to land somewhere in between. I choose a word of the year to guide me. Then I move forward with monthly goals in various aspects of my life. I got a bit off track with my financial goals in the past couple […]

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  • Frugal Tips

How to Decorate a Rental Bedroom on a Budget

Posted on December 28, 2021December 10, 2021by Kathryn Vercillo
decorate rental bedroom on a budget

You’ve rented a room in a house or you’re seeking to update the bedroom in your rental house. However, you don’t want to spend a lot of money upgrading a rental room. Luckily, you have a lot of affordable options. It’s truly possible to decorate a rental bedroom on a budget. Here are some top […]

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  • Frugal Tips

Handmade Isn’t Always Cheaper

Posted on December 21, 2021December 10, 2021by Kathryn Vercillo
Handmade Knitting

I love creating handmade gifts for people. They obviously have a more personal touch than store-bought items. Moreover, I enjoy the creative experience they allow me. However, handmade isn’t always the cheapest option. It’s important to remember what I get out of it so I continue to see that it’s worth it anyway. Good Materials […]

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  • Frugal Tips

5 Frugal Hacks To Save on Parking

Posted on December 14, 2021December 10, 2021by Kathryn Vercillo
Frugal Hacks To Save on Parking

There are so many different costs associated with driving a car. However, parking doesn’t have to be one of them. If you live in a place where parking costs a lot of money, then you might have to get creative to reduce these costs. These five frugal hacks to save on parking should help. 5 […]

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Learning to Ask For Financial Help

Posted on November 23, 2021by Kathryn Vercillo
ask for financial help

I’ve never found it easy to talk about money. Most of us have some kind of issues with this in the American culture, although those issues vary widely depending on your personal financial psychology. For myself, I’ve mostly just dealt with all of my money all on my own forever. However, I’m learning how to […]

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  • Frugal Tips

How To Be Frugal but Not Cheap on Christmas

Posted on November 16, 2021by Kathryn Vercillo
Frugal but Not Cheap on Christmas

Frugality is a wonderful thing. It allows you to live within your means, thereby reducing stress. Moreover, it allows you to focus on the things that really matter in life. However, there’s a difference between frugality and being cheap or stingy. You don’t want to go overboard at Christmas, for example. However, you also don’t […]

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5 Things Always Worth The Cost to Me (And 5 Things That Aren’t)

Posted on October 28, 2021by Kathryn Vercillo
5 Things Always Worth The Cost to Me (And 5 Things That Aren't)

As adults with finite resources, we have to make decisions about how we want to spend our money. After all, we only have a certain amount in the budget. Therefore, we have to decide how to spend it. Here are five things that I always think are worth my money. Moreover, here are another five […]

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  • Frugal Tips

How To Save Money on Razor Blades

Posted on October 20, 2021by Kathryn Vercillo
save money on razor blades

I used to spend a lot of money on shaving supplies. After all, it took me a long time to find razors that worked well with my skin. Therefore, I stuck to those razors for a long time. However, I didn’t want to spend a fortune on shaving forever. It’s just not the most important […]

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Can Eating the Same Meal Every Day Make You Rich?

Posted on October 6, 2021by Kathryn Vercillo
Eating the same meal every day

What would you say if someone tod you that they were eating the same meal every day? If you’re anything like me, then you would ask why. I’d probably assume it had to do with dietary restrictions. However, it turns out that’s not the only benefit or reason. Rocco Pendola of Making of a Millionaire started […]

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  • Personal Finance

How To Earn by Paying Attention

Posted on September 28, 2021September 30, 2021by Kathryn Vercillo
Earn by Paying Attention

What did you think of when you first saw the headline of this post? What could it possible mean to earn by paying attention? While there are a lot of answers, I doubt that what it’s really about came to mind. Why? Because it’s so new and innovative and forward-thinking that I certainly wouldn’t have […]

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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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