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From Frugal to Free

Frugal adventures on the road to financial freedom.
  • Travel

10 of the World’s Most Unforgiving Terrains

Posted on December 29, 2023December 29, 2023by Ben Rice

Humans are miraculous creatures, able to carve out an existence in some of the world’s harshest conditions. Somehow, the human diaspora spread to almost every corner of the planet. However, some parts of this paradise are not fit for human living, which won’t deter some people. A recent online post asks people to share some […]

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  • Travel
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    • Uncategorized

15 Ways to Master the Art of Bouncing Back From Bad Travel Experiences

Posted on December 29, 2023December 28, 2023by Hailey McLaughlin
Traveling Abroad To Save on Medical Care

When we travel, we expect everything to work out smoothly. We think everything will be wonderful from home to the airport, hotel, food, sightseeing, and back home. But the truth is, it isn’t always so. Sometimes, we miss our flight or get delayed. Sometimes, we’re given the wrong room. All of these mishaps lead to […]

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  • Travel

15 Overhyped Destinations the 40+ Crowd Can Avoid

Posted on December 29, 2023December 28, 2023by Katy Willis
Booking travel for vacation

Traveling after 40 brings new perspectives and priorities. While the allure of popular destinations is undeniable, some may not live up to the expectations, especially for the mature traveler seeking a blend of comfort, culture, and calm. This list delves into 15 destinations often hyped in travel brochures but might not deliver the most rewarding […]

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  • Better Life

15 Low-Cost Health Fads That Are Actually Unhealthy

Posted on December 28, 2023December 28, 2023by Katy Willis
Low-Cost Health Fads

Getting caught up in the latest health and wellness fads is so easy, especially when they’re marketed as affordable solutions to common concerns. But it’s important to remember that not all of these trends are as beneficial as they claim to be. Some low-cost health fads can actually be detrimental to your well-being. 1. Cheap […]

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  • Frugal Tips

25 Tips for Thrifty Home Maintenance and Repair

Posted on December 28, 2023December 28, 2023by Rebecca Britton
couple doing DIY home repair

Maintaining and repairing your home doesn’t have to drain your wallet. As a homeowner, I know that being proactive and resourceful saves me a lot of money and stress in the long run. Here are my top thrifty tips for home maintenance and repair. These practical, cost-effective strategies will help you keep your home in […]

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  • Investing

15 Costly Mistakes to Avoid When Investing in Real Estate

Posted on December 28, 2023December 27, 2023by Katy Willis
house for sale

Real estate investment is lucrative, if you know what you’re doing. But it’s also fraught with potential pitfalls that can turn an exciting opportunity into a financial nightmare. As an investor, you need to be savvy, well-informed, and cautious to avoid common mistakes that could cost you dearly. 1. Not Doing Enough Research Jumping into […]

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  • Personal Finance

20 Essential Budgeting Tips for Every Stage of Life

Posted on December 28, 2023December 27, 2023by Chantile Ferriera

How can we save money while not devoting excess time to worrying over our bills? Budgeting is an incredible hack to circumvent money stress. But to budget efficiently, you need to understand how the system works. Setting aside X dollars monthly only goes so far if you know how to account for it. Budgeting experts […]

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  • Making Money

25 Lucrative Skills You Can Monetize Right Now

Posted on December 28, 2023December 27, 2023by Rebecca Britton
Lucrative Skills You Can Monetize

Whether you’re looking to escape the 9-to-5 grind, earn some extra cash, or pivot your career, I bet you’ve got skills you can monetize right away. What might seem easy and ordinary to you is something someone else needs to learn to start their own side hustle or improve their own skillset. 1. Web Development […]

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  • Making Money

24 Side Hustles That Can Turn Into Full-Time Incomes

Posted on December 28, 2023December 27, 2023by Rebecca Britton
Woman shopping on Etsy online shop

Many of us are looking for ways to supplement our income as the cost of living continues to rise. I’ve been turning side hustles into legitimate income sources since 2002, so I knwo that with a bit of hard work and some skill and dedication, there are plenty of side hustles that you can turn […]

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  • Travel
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    • travel tips

25 Incredible Budget Travel Experiences That Feel Luxurious

Posted on December 28, 2023December 27, 2023by Rebecca Britton
Solo woman backpacker traveler plan safety trip low cost budget summer holiday after coronavirus. Empty tourist on train railway platform. Use bus train sustainable environmental friendly transport

Traveling on a budget doesn’t necessarily mean a poor experience. In fact, some of the most memorable and luxurious travel experiences can be surprisingly affordable if you know where to look. Explore these 25 incredible travel experiences that feel luxurious but don’t have a hefty price tag. 1. Stay in a Boutique Hostel Gone are […]

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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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