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

Author: Kathryn Vercillo

  • Personal Finance

Pros and Cons of Using Affirm for Retail Financing

Posted on June 22, 2021by Kathryn Vercillo
Pros and Cons of Using Affirm for Retail Financing

I recently used Affirm to pay for a ThredUP purchase. Honestly, I’d kind of forgotten about this financing option. I had used it awhile back then didn’t have a reason to before now. Thinking it over, I see some pros and cons to Affirm for retail financing. However, overall, I’m happy with it. What is […]

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  • Frugal Tips

How To Make the Most of Overripe Fruits

Posted on June 16, 2021by Kathryn Vercillo
Make the Most of Overripe Fruits

I’m the first to admit that I’m pretty bad about wasting food. I wish that I weren’t that way. After all, food waste is bad for the world as well as for the grocery budget. So, I’m working on that. If you want to learn along with me, then let’s chat about how to make […]

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  • Personal Finance

How to Prepare for a Higher Summer Budget

Posted on June 8, 2021June 8, 2021by Kathryn Vercillo
Prepare for a Higher Summer Budget

Spring is almost over. Therefore, summer is just about upon us. Many people will spend more in the next few months than they had been up until now this year. Therefore, it’s important to figure out how to prepare for a higher summer budget. Why We Have to Prepare for a Higher Summer Budget When […]

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  • Personal Finance

Can Hospital Bills Be Written Off?

Posted on June 2, 2021June 2, 2021by Kathryn Vercillo
write off hospital bills

Medical bills cost so much money to so many people. They overwhelm individuals, families, and society at large. How can we cope with this major issue? Can hospital bills be written off? What Does It Mean to Write Off Hospital Bills? When discussing how to write off hospital bills, we may mean one of three […]

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  • Better Life
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    • Frugal Tips

What Items Should Be in a Minimalist Grocery List?

Posted on May 18, 2021May 4, 2021by Kathryn Vercillo
Minimalist Grocery List

Food costs usually make up a large percentage of a family’s budget. Therefore, if you can reduce your food spending, then you can save a lot of money. One key trick is to make (and stick to) a minimalist grocery list. Here’s what that’s all about. What Is a Minimalist Grocery List? The idea behind […]

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  • Better Life

Am I Hooked on Brand Name Tech?

Posted on May 11, 2021July 19, 2023by Kathryn Vercillo
Phones

I don’t consider myself to be someone who cares about brand name tech. After all, my clothes are all secondhand. I never check the name on the label when I purchase them. I’m totally comfortable getting the store brand of things like over-the-counter medication. I don’t believe in paying more for a brand name. And […]

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  • Better Life
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    • Frugal Tips

How To Become a Frugal Pet Owner

Posted on May 4, 2021June 19, 2021by Kathryn Vercillo

I’m the first to admit that I spend A LOT of money on my pets. I like to buy them really good food. Plus, I’m a sucker for getting them lots of toys. Pets are definitely a big responsibility. However, there are steps you can take to become a frugal pet owner. What I Spend […]

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  • Better Life
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    • Frugal Tips

How to Save Money on Wine

Posted on April 27, 2021September 4, 2023by Kathryn Vercillo
Wine bottles

I definitely enjoy a good glass of wine. However, my grocery bill always goes up when I start stocking up on wine. Plus, of course, wine always adds a lot to a dinner bill when dining out. So, I’ve been thinking a lot about ways to save money on wine. Cut Back on Consumption Obviously, […]

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  • Frugal Tips

Is It Worth Traveling Abroad To Save on Medical Care?

Posted on April 20, 2021April 21, 2021by Kathryn Vercillo
Traveling Abroad To Save on Medical Care

Medical care in America is expensive. Some people have excellent insurance. However, the majority of us end up paying a lot out of pocket for big medical expenses. Some people suggest traveling abroad to save on medical care expenses. You can definitely save a lot of money. But is it worth the risks? Types of […]

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  • Frugal Tips

What Are the Perks of Being a Costco Executive Member

Posted on April 7, 2021August 31, 2023by Kathryn Vercillo
What Are the Perks of Being a Costco Executive Member

There are different membership levels at Costco. Of course, with higher levels, you get more rewards. However, you also pay a higher annual fee. So, is it worth it to pay more for the perks of being a Costco Executive Member? Here’s what it’s all about. Types of Costco Membership There are two main types […]

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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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