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

Author: Kathryn Vercillo

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How to Apply for Affordable Housing

Posted on July 28, 2020July 24, 2020by Kathryn Vercillo

  The COVID-19 pandemic has put many people into a low-income position that they’ve never been in before. As a result, an increasing number of people want to know how to apply for affordable housing. If you already having a rental house, then you might be able to take advantage of pandemic rent moratoriums. However, […]

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National Coin Shortage Has Left Me Scrounging For Laundry Quarters

Posted on July 21, 2020by Kathryn Vercillo

I truly couldn’t believe it when I went into Wells Fargo a few weeks ago to get quarters for my laundry machine and was told, “sorry, we don’t have any.” What do you mean? How can the bank not have any quarters? The bank teller told me that there was a national quarter shortage. It […]

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Frugal Bottle: Wine in a Sustainable Paper Bottle

Posted on July 7, 2020by Kathryn Vercillo

I keep a Google Alert on to notify me about frugal news. Anything that has to do with saving money interests me. Usually, I see a lot of the same tips and products. But this week a series of headlines for Frugal Bottle surprised me. While not “frugal” news in the traditional sense, this paper […]

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7 Habits and Practices of Frugal People

Posted on June 30, 2020July 6, 2023by Kathryn Vercillo

Being frugal means different things to different people. We all have our own values and priorities. Therefore, how we save and spend our money differs. Nevertheless, a lot of frugal people have habits and practices in common. They may apply the habits in different ways, but they use some form of them. You can emulate […]

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Best Countries To Retire On Social Security Alone

Posted on June 16, 2020September 4, 2021by Kathryn Vercillo

If you are living just on social security, what’s the best way to have a comfortable life? For a long time, many Americans have chosen to go live in other countries after retirement. However, COVID-19 has changed things. Are there still countries to retire on social security alone? How Coronavirus Has Changed Retiring Abroad The […]

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How To Know If You Got Unemployment Claim Approval

Posted on June 3, 2020June 20, 2020by Kathryn Vercillo

Did I get unemployment claim approval? Before I ever filed for unemployment, I would have assumed that it was easy to figure this out. However, now that I’ve gone through the process myself, I can see that it’s not so easy at all. Unemployment Claim Approval Is Confusing It’s particularly confusing for people who have […]

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Why Do I Spend So Much Money on Food?

Posted on May 26, 2020May 21, 2020by Kathryn Vercillo

I spend so much money on food. Other than my rent, it’s the biggest chunk of my monthly budget. If I lived somewhere with cheaper rents (rather than in pricey San Francisco), I might actually spend more money on food than on rent. It’s something I’m constantly battling with. So, I’ve decided to get real […]

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How to Trade Clothes Online

Posted on May 19, 2020May 6, 2020by Kathryn Vercillo

Are you looking for ways to reduce your spending? If so then you might have wondered how to trade clothes online. After all, it’s nice to have a new outfit to wear but there are also a lot of really good reasons not to buy brand new clothing. If you learn how to trade clothes […]

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Reduce, Reuse, Recycle to Save Money

Posted on May 12, 2020May 5, 2020by Kathryn Vercillo

Recently I’ve been reading Adam Minter’s book Secondhand: Travels in the New Global Garage Sale. This book is all about what happens to our used items when we donate them to a place like Goodwill. Minter discusses what’s best for the global economy, the environment, and individuals as it relates to how we treat our […]

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8 Items That Can Help Reduce Electric Bill

Posted on May 5, 2020July 3, 2023by Kathryn Vercillo

Due to COVID restrictions, many people are home more now than ever before. Therefore, home energy bills are going up. With concerns about finances at the forefront of our minds, now is not the time to have a high electric bill. Here are eight things that you can do today to reduce electric bill worries […]

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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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