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

Author: Sarah Paul

  • travel tips

Beware Travellers: 15 Travel Scams That Could Ruin Your Vacation

Posted on March 3, 2024March 3, 2024by Sarah Paul

It’s a sad fact that there are scammers everywhere who are ready to pounce on unsuspecting tourists for a quick buck. Some scammers are highly skilled and cunning, so keep your eye out when in a foreign country. These scams could cost you a lot and even land you in trouble if they aren’t handled […]

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  • Frugal Tips

15 Money-Saving Ideas for Eco-Friendly Living

Posted on February 26, 2024February 26, 2024by Sarah Paul

Eco-friendly living is a great way to reduce your carbon footprint and save your money at the same time. It’s a win-win situation. You only need to make minor changes that will hardly affect your life negatively. 1. Getting a Water Filter Stop yourself from purchasing bottled water and instead get a water filter for […]

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  • Frugal Tips

Self-Care on a Shoestring: 25 Ways to Pamper Yourself Without Breaking the Bank!

Posted on February 25, 2024February 25, 2024by Sarah Paul

Self-care is so popularised in this day and age that we often lose sight of what it really means to care for ourselves. There is no price tag on self-care; it can be done anytime, anywhere, on a budget, and sometimes even for free. #1. Meditate Put on some meditative sounds of nature, and take […]

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  • travel tips

18 Essentials for Budget Travel: What To Pack To Save Money

Posted on January 8, 2024January 8, 2024by Sarah Paul
Planning travel on a budget, map, notebook, money jar

Packing smart and planning can save you a ton of money when traveling, especially if you’re on a budget. It can be the little things you don’t realize you need until you’re in the heat of the moment, which can be a stressful experience. 1. Compression Packing Cubes These are lifesavers when saving space and […]

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  • Frugal Tips

15 Affordable Self-Care Ideas for a Tight Budget

Posted on January 3, 2024January 2, 2024by Sarah Paul
Woman looking out the window with coffee.

Self-care is so popularised in this day and age that we often lose sight of what it really means to care for ourselves. There is no price tag on self-care; it can be done anytime, anywhere, on a budget, and sometimes even for free. 1. Meditate Put on some meditative sounds of nature, and take […]

Read More
  • Frugal Tips

15 Money-Saving Ideas for Eco-Friendly Living

Posted on January 1, 2024December 31, 2023by Sarah Paul

Eco-friendly living is a great way to reduce your carbon footprint and save your money at the same time. It’s a win-win situation. You only need to make minor changes that will hardly affect your life negatively. 1. Getting a Water Filter Stop yourself from purchasing bottled water and instead get a water filter for […]

Read More
  • travel tips

15 Budget Travel Scams You Need To Be Aware Of

Posted on December 31, 2023December 30, 2023by Sarah Paul
Traveler shopping.

It’s a sad fact that there are scammers everywhere who are ready to pounce on unsuspecting tourists for a quick buck. Some scammers are highly skilled and cunning, so keep your eye out when in a foreign country. These scams could cost you a lot and even land you in trouble if they aren’t handled […]

Read More

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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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