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

Author: Kathryn Vercillo

  • Better Life

Paying For Junk Removal – I Did It Again

Posted on September 21, 2021by Kathryn Vercillo
Paying For Junk Removal - I Did It Again

I have a confession to make. I hired a junk removal service yet again. If you’ve followed my writing for awhile, then you know that this is one of my weak spots. There are so many free ways to get rid of junk. Nevertheless, I keep paying people to take mine away. I’m embarrassed by […]

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  • Personal Finance

How Long Does It Take To Receive a Gift Card From Swagbucks

Posted on September 14, 2021December 20, 2023by Kathryn Vercillo
Surveys website

Swagbucks is a great option for people who want to earn extra money online. You can earn money through a variety of activities. For example, you get paid to do online searches, watch videos, and take surveys. Once you’ve earned your money, you have options for cashing out. Some people choose to cash out through […]

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  • Frugal Tips

5 Frugal Habits That Are Senseless

Posted on August 31, 2021August 11, 2021by Kathryn Vercillo
Senseless Frugal Habits

There are dozens, if not hundreds, of smart frugal habits. It’s worth it to study what others are doing as well as to come up with your own ways of saving money. However, it’s also important to remember that not every tip is right for you. There are some senseless frugal habits that aren’t worth […]

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  • Personal Finance

How Much Do You Tip on Instacart?

Posted on August 17, 2021August 10, 2021by Kathryn Vercillo
Instacart Tipping

Tipping etiquette feels so complicated sometimes. First of all, we tip differently in America than people in many other countries. Even here, though, it’s so confusing to know who to tip, let alone how much to tip them. After all, we’ve begun to receive an increasing number of services. As new ones emerge, how do […]

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  • Better Life

Can You Make Money by Bounty Hunting?

Posted on August 3, 2021November 2, 2021by Kathryn Vercillo
Make Money by Bounty Hunting

I’m the first to admit that I constantly dream of other jobs that I could do. It’s not that I don’t enjoy my job. In fact, I love my job. However, I have a wild imagination. Therefore, I’m always curious about what other jobs are like. Moreover, I know that there are a lot of […]

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  • Frugal Tips

How To Concoct Your Own Cleaning Solution

Posted on July 27, 2021by Kathryn Vercillo
Cleaning Solution Concoction

There are so many chemicals in store-bought cleaners. Of course, you can purchase all-natural cleaners at some stores. However, they tend to be really expensive. And why would you spend that kind of money when you can create your own cleaning solution concoction instead? After all, with a few simple products, you can easily make […]

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  • Better Life

Dealing With Homeowners Insurance After a Pipe Bursts

Posted on July 20, 2021by Kathryn Vercillo
Dealing With Homeowners Insurance After a Pipe Bursts

A pipe burst at my parents’ house last week. It erupted in the middle of the night. Therefore, by the time that they noticed it, several rooms were steeped in water. They needed to immediately remove some of their belongings and begin to pull up the carpet. However, they also needed to deal with their […]

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  • Better Life

How Many Dimes Can Fit in a Standard-Sized Mason Jar

Posted on July 13, 2021by Kathryn Vercillo
Dimes in a Standard-Sized Mason Jar

There are many different ways to store your extra coins. I put mine in little sundae cups. Then, when the cups are filled, I roll them into wrappers and take them to the bank. Similarly, many people fill mason jars with coins. If you want to know how much extra money you have, then it […]

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  • Better Life
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    • Personal Finance

How I Wasted $20 on Stitch Fix

Posted on July 6, 2021June 25, 2021by Kathryn Vercillo
online clothes shopping

It’s important to own your money mistakes. That’s why I wanted to tell you about how I wasted $20 on Stitch Fix. Sure, $20 isn’t a huge sum of money. Nevertheless, those dollars add up. So, this experience was a reminder to me to be careful about my spending choices. What Is Stitch Fix? If […]

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  • Frugal Tips

Membership Stores That Offer One Time Pass

Posted on June 29, 2021July 2, 2021by Kathryn Vercillo
Membership Stores That Offer One Time Pass

There are a lot of great membership stores that you might be interested in using to get great deals. However, you don’t want to sign up for a full membership before you know whether or not it’ll be worth it. So, it’s smart to look for membership stores that offer one time pass. That way […]

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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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