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

Author: Kathryn Vercillo

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    • Frugal Tips

Kitchen Remodeling on a Shoestring Budget

Posted on November 3, 2020November 19, 2020by Kathryn Vercillo
kitchen remodeling on a shoestring budget

The kitchen is one of the most important rooms in the house. After all, you spend at least part of every day in the kitchen. Therefore, you want this space to be both beautiful and functional. It might be time to do some remodeling. If you don’t have a lot of money to spend, here […]

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    • Personal Finance

What is Emotional Wealth?

Posted on October 27, 2020October 28, 2020by Kathryn Vercillo
emotional wealth

Emotional wealth means that we are able to live in joyful abundance regardless of our financial circumstances. Yes, money does make a difference in our lives. Up to a certain point, having money makes life easier and more comfortable. It allows us to achieve our dreams, help others, and live with fewer worries. Therefore, there’s […]

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  • Better Life

How to Be Productive While Driving

Posted on October 6, 2020by Kathryn Vercillo
Productive While Driving

Do you have to spend a lot of time in your car? Maybe you have a long daily commute. Or perhaps you drive your children around to a lot of activities. Or maybe you find yourself on road trips on a regular basis. Whatever the reason, you can make that time useful for you. You […]

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  • Better Life

Renting an Apartment Through Zumper (Pros and Cons)

Posted on September 30, 2020July 26, 2023by Kathryn Vercillo
zumper

As rents in San Francisco have started to decline for the first time in at least the fifteen years that I’ve lived here, I’ve begun to look into options for renting a new apartment. I’m not necessarily going to move, but I’m considering it. And because I’m the type of person who likes to get […]

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  • Frugal Tips

10 Household Products You Can Create Yourself to Save Money

Posted on September 22, 2020September 23, 2020by Kathryn Vercillo
Products You Can Create Yourself

  Most of us are accustomed to going to the store to purchase everything we need for the home. Maybe instead you order online and have the items delivered to your door. Either way, someone far away creates the items you use in your home. But there are so many products you can create yourself […]

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  • Personal Finance

Money Psychology: 4 Key Questions from a Money Author

Posted on September 16, 2020by Kathryn Vercillo
money psychology

Money psychology is one of the most fascinating aspects of personal finance for me. So often, our money decisions aren’t made from places of logic. Instead, we make those decisions from the heart. Our emotions can confuse our finances. I’m always working on this myself, so I was intrigued to see a New York Times […]

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How to Create Your Own Laminated Placemats

Posted on September 16, 2020September 16, 2020by Kathryn Vercillo
diy laminated placemats

If you are looking for a fun new DIY project for your home, then consider making DIY laminated placemats. They provide a simple, easy way to dress up your dining room table. You can change them out weekly or seasonally to give your dining area a fresh, fun new look. Plus, since they are easy […]

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Frugal Activities I Miss During the COVID-19 Shutdown

Posted on August 18, 2020July 24, 2020by Kathryn Vercillo

In many ways, it’s easy to live frugally during the COVID-19 shutdown. After all, we simply can’t go out and do a lot of the things that we used to go do. Therefore, we don’t spend money on those things. The things we can do, like going for a socially-distanced walk in the park, don’t […]

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  • Personal Finance

How Do You Show Proof of Income if You Are Self Employed?

Posted on August 11, 2020July 24, 2020by Kathryn Vercillo

  I have been self employed for well over a decade. Based on my experience, it has gotten a lot easier to show proof of income for self employed individuals in recent years. In particular, it’s a lot easier to show that proof as a gig worker/ freelancer/ independent contractor than it was a decade or […]

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5 Frugal Choices Helping Me With Healthy Eating

Posted on August 4, 2020July 24, 2020by Kathryn Vercillo

I recently recommitted to healthy eating. Of course, it’s always been important to me. But naturally sometimes I stray from it. I started a new relationship last year and we enjoyed indulging in lots of tasty meals together. The COVID-19 pandemic hit and the stress made me want to comfort eat. But it’s time to […]

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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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