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

Author: Semify

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How to Find Affordable Vehicle Repairs

Posted on September 7, 2023by Semify

Vehicle repairs are an important part of everyday life, given the important role that’s played by cars in the current age. That said, vehicle repairs may cost you a lot of money over time in terms of fixes, replacements, and overall maintenance. This is the main reason why you can benefit from looking for affordable […]

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  • Life

5 Things You Need to Do Immediately After a Car Accident

Posted on September 6, 2023by Semify

There are over 5.8 million car accidents every year on U.S. roads, and there’s an unfortunate likelihood that you may be in one of them. Fortunately, the more proactive you are about knowing what to do in the event of an accident, the more peace of mind you’ll have should one happen. That said, to […]

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5 Financial Benefits of Installing a Solar Power System

Posted on August 31, 2023by Semify
solar power

Are you considering using solar energy but feel unsure if it’s right for you? Converting to solar power has many benefits for any homeowner. In addition to reducing your reliance on fossil fuels thanks to its use of renewable energy, it can also benefit you financially. Here are a few ways converting to solar power […]

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  • Frugal Tips

4 Clever Ways to Save on Car Maintenance This Summer

Posted on July 17, 2023September 1, 2023by Semify

During the dog days of summer, it’s critical to ensure that your car is in its best shape. This allows it to handle the heat and the road trips you have planned. However, car maintenance can often be costly. There are several clever ways to save on car maintenance without compromising the quality and performance […]

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4 Ways to Improve Your Home on a Budget

Posted on July 17, 2023by Semify

Making home improvements is a crucial part of keeping your home functional, comfortable, and valuable. You can get these outcomes by picking the best home improvement projects, which is something you can do with good planning. It’s even more important for you to plan well if you’re working with a tight budget, and here are […]

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    • Tiny Homes

Here’s How to Upgrade Your Home on a Budget

Posted on July 6, 2023by Semify

Are you looking for ways to upgrade your home on a budget? You’re not the only one. Many people want to improve their homes while also saving money. In light of this, we’ve highlighted four ways to quickly update your house without breaking the bank: repaint the interior walls, replace the windows, update your outdoor […]

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  • Personal Finance

Financial Matters to Think About When Creating Your Will

Posted on May 15, 2023by Semify

As you navigate the road of life, it’s essential to think about what you’ll leave behind. Your will isn’t just a legal document. It’s actually a reflection of your life’s work and your wishes for the ones you love. According to the CDC, the average life expectancy in the U.S. is 78.8 years, so it’s […]

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How to Reduce Civil Litigation Costs and Avoid Excessive Debt

Posted on April 24, 2023by Semify
Avoid civil litigation fees

Civil litigation is stressful, costly, and time-consuming. The costs can lead to excessive debt that takes months or even years to resolve, affecting your quality of life for an extended period. By taking the following steps, you can reduce and even avoid excessive debt regarding civil litigation costs. Resolve Your Case Without a Federal Court […]

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  • Personal Finance

6 Benefits of Hiring an Accountant to Help With Taxes

Posted on April 17, 2023by Semify

Many of us dread tax season. Filing our taxes can be daunting and time-consuming, whether you’re an individual or a business. You need to pay close attention to detail, as the last thing you want to do is make a mistake that might have significant repercussions. While you may be able to find websites to […]

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Avoiding Common Pitfalls That Offset One’s Budget

Posted on April 11, 2023by Semify

How many times have you set a budget just to run into additional expenses down the road? Most want to make and stick to a financial plan, but it can be complicated. Many pitfalls, like unexpected expenses, bad habits, and unplanned purchases, can completely derail even the best of intentions. To ensure you have set […]

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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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