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

Author: Semify

  • Personal Finance

4 Reasons Why Everyone Should Have a Will Regardless of Income

Posted on March 14, 2023by Semify

A will is a legal document that outlines how a person’s assets and property will be distributed after their death. It allows an individual to specify who will receive their property, how it will be distributed, and who will be responsible for carrying out their wishes. In a will, a person may also name guardians […]

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  • Making Money

4 Ways to Make Your Website More Profitable

Posted on February 13, 2023by Semify

If you have a website, it’s a good idea to try and make money out of it. This is because extra money is always welcome, given the ups and downs of the economy at different times. You may also already be making some money from your website but want to make more of it. If […]

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  • Investing

The Benefits of Talking to an Advisor Before Investing

Posted on February 8, 2023by Semify

You’ve earned or come into some money, and now it’s the exciting time in your life when you can start thinking about investing! It’s a common goal for adults to make or have enough money to invest so that money can multiply without the individual having to do any actual legwork. How does that sound […]

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  • Investing

The Importance of Investing Your Money Early

Posted on February 2, 2023by Semify

Investing is a crucial financial activity, but it’s also one of the trickiest to master successfully. It’s important to know what you’re doing before you start throwing your hard-earned cash at any investment opportunity that comes your way. This article will discuss the importance of investing your money early. Compounding Interest The basic idea behind […]

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  • Frugal Tips

5 Tips to Help You Save Money By Starting a Food Garden

Posted on January 26, 2023January 26, 2023by Semify

Did you know that single-family residences make up an estimated 67% of landscaping projects in the United States? Growing a food garden can potentially cut down on the amount of money you spend on groceries, but the savings also depend on several factors. These include the costs associated with growing the crops, the types and […]

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  • Uncategorized

Costs That Lead to Long-Term Gains

Posted on January 24, 2023by Semify

It’s important for every adult to make decisions that will have a positive impact on their finances. This is because money plays a major role in the quality of life that you live, so it’s good to find out the best ways to make the most out of yours. You’ve probably come across the phrase […]

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  • Investing

How Do I Find a Good Company to Invest In?

Posted on January 19, 2023by Semify

In the endless quest for money in a bid to secure their financial future, many people have turned to investing. It’s important to practice caution while doing this since some investments can result in a loss if they aren’t properly researched. Some companies have withstood the test of time and are typically the best to […]

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  • Uncategorized

Manage Your Financial Windfall With Estate Planning

Posted on January 16, 2023by Semify

If you’ve recently received a financial windfall, whether it be from a lawsuit settlement, an inheritance, or a large bonus at work, it’s important to take the time to consider your options before making any major decisions. While it can be tempting to splurge on a new car or a luxurious vacation, it’s important to […]

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  • Personal Finance

How Health Insurance Can Save You Money

Posted on January 16, 2023by Semify

Accidents can happen at any time, and you need to be ready for them. Even something as simple as a slip and fall can lead to a serious injury that can be too costly to cover on your own. After all, the National Flooring Institute says that slip and fall accidents are responsible for about […]

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  • Uncategorized

Spending Money to Make Money

Posted on December 28, 2022December 28, 2022by Semify

Spending money to make money is a concept that can apply to a variety of situations, but it’s especially relevant when it comes to home improvements. Investing in your home not only enhances your own living experience but can also increase the value of your property and potentially bring in a profit when it comes […]

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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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