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

Author: Matt Harris

  • Frugal Tips

24 Frugal Yet Effective Gardening Tips for Your Home Garden

Posted on January 8, 2024January 8, 2024by Matt Harris
Woman gardening for fresh produce

Shaping our garden and growing our flowers, shrubs, fruits, and vegetables can provide a massive feeling of satisfaction. Gardening can also help with our physical and mental health, so there are many reasons to get out into your own space and start working. Gardening doesn’t have to be costly: When we head to our local […]

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  • Travel

24 Cheap Travel Destinations That Might Disappoint You

Posted on January 5, 2024January 5, 2024by Matt Harris

All tourists like to save money where they can, while some need to travel on a budget. But not all cost-friendly destinations are worth it. Many are cheap for a reason, and visitors may leave feeling disappointed. Experiences will vary, but some budget locations appear on the avoid list more than others. 1. Riga: Latvia […]

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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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