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From Frugal to Free

Frugal adventures on the road to financial freedom.
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Favorite Frugal Living Quotes

Posted on March 22, 2022by Kathryn Vercillo
Favorite Frugal Living Quotes

I always find quotes inspirational. Sure, sometimes they’re a bit cheesy. However, sometimes they really stop me in my tracks and make me think about things with a fresh perspective. This can keep me on track with my goals and aligned with my values. So, with that in mind, here are some of my favorite […]

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  • Frugal Tips

How To Protect Your Travel Plans

Posted on March 12, 2022by Shay Huntley
Protect your travel plans

We are going into a busy travel season. A lot of students are coming up on their spring break, and people are ready to get out of the house. Couple that with rising fuel costs, and you’ve got a serious issue on your hands. Right now, if you plan on traveling by air, ticket prices […]

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    • Personal Finance

5 Treats I Should Probably Stop Spending Money On

Posted on March 8, 2022by Kathryn Vercillo
5 Treats I Should Probably Stop Spending Money On

I’m trying really hard to figure out how to lower my expenses. As I’ve explained before when sharing my budget with you, I typically tend to look at how to reduce my big expenses. For example, I spend a fortune on food, which I have been cutting back on. However, there are smaller treats that […]

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  • Personal Finance

How February’s Budget Went Awry And What I Did to Navigate It

Posted on March 1, 2022by Kathryn Vercillo
How February's Budget Went Awry And What I Did to Navigate It

One month ago today, I shared with you my plan for February’s budget. Unfortunately, things went awry. Emergencies happen. That’s why it’s important to have an emergency fund as well as contingency plans for when financial plans don’t go as expected. What Went Right With February’s Budget Not everything went wild when it came to […]

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  • Frugal Tips

Frugal Dollar Tree Finds

Posted on February 25, 2022January 30, 2023by Shay Huntley
Frugal Dollar Tree Finds

Have you all been to Dollar Tree lately? I know they have gone up on prices, but the upcharge hasn’t deterred me from shopping there. Honestly some of the stuff they have in stock you couldn’t get anywhere else for $1.25. I will probably always venture inside the store to see what they have. This […]

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  • Frugal Tips

20 Tips for a Zero Waste Life

Posted on February 22, 2022February 3, 2022by Kathryn Vercillo
Zero Waste Life

Recently I’ve been reading Anita Vandyke’s book “A Zero Waste Life in Thirty Days.” It suggests that you can reduce your waste by 80% using the tips in the book. However, it also offers realistic alternatives for people who want to reduce waste but aren’t going to hit those zero waste levels quite, yet. Reducing […]

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  • Frugal Tips

Things I Got Cheap This Week

Posted on February 19, 2022by Shay Huntley
Things I Got Cheap This Week

I know you guys love a good freebie. For this week, I’ve been scouring the web to see what I can get for the low. I found a few interesting and discounted deals, but I also got some freebies. Here are the things I got cheap this week.

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  • Frugal Tips

Things I Do To Stay Frugal

Posted on February 12, 2022by Shay Huntley
things I do to stay frugal

I would say I am in the lower end of the middle class, but I do very well for myself. I can travel the world, drive a decent car, have a nice home, and eat out every day if I want to. Those are the things that matter to me. With that being said, there […]

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  • Personal Finance

Budgeting: February 2022 Planned Expenses

Posted on February 1, 2022by Kathryn Vercillo
Budgeting: February 2022 Planned Expenses

I’ve taken many different approaches to budgeting over the years. Right now, I start the month by reviewing all of the previous month’s expenses. Then I look at what my planned expenses are for the coming month. I try to find areas where I can cut back on costs. Then I review my income and […]

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  • Personal Finance

How To Create a List for Your Guiltless Spending

Posted on January 29, 2022by Shay Huntley
List for Guiltless Spending

Let’s face it, most of us don’t like a budget. We feel like it’s a constraint on our money and lives. It can be challenging to follow. It’s also strict, demands our attention, and holds us accountable for our financial decisions. Even though it can be daunting, it’s a very useful tool to have. While […]

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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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