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From Frugal to Free

Frugal adventures on the road to financial freedom.
  • Better Life

How To Send and Receive Money if You’re Under 18?

Posted on February 23, 2021by Kathryn Vercillo
Send and Receive Money Under 18

You’re in a bind. You need to receive money quickly but you’re under 18 so many of the money apps don’t work for you. What do you do? Even if it’s not a dire situation – for example, you just need to give money to a friend for your share of lunch – it’s important […]

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    • Frugal Tips

Is Frugality the Way to a More Fulfilled Life?

Posted on February 20, 2021by Shay Huntley

I do not know about you, but I love saving money. I save money on everything from my mortgage payment to cars and insurance, cellphone and internet services, food, and grocery. There is no limit to how much research goes into finding good products and services at a more frugal price. Is all the research […]

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    • Personal Finance

Does Paying for Something Make You More or Less Likely to Show Up?

Posted on February 17, 2021by Kathryn Vercillo
Does Paying for Something Make You More or Less Likely to Show Up?

One of the best ways to get a grip on your money is to enhance your self-understanding. After all, we each deal with money differently. For example, when you pay for something, do you feel more obligated or less obligated to show up for it? I’m the kind of person who feels less obligated, therefore […]

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Is Proofread Anywhere Worth a Try?

Posted on February 12, 2021February 13, 2021by Shay Huntley
Is Proofread Anywhere Worth a Try?

There are many side-hustles out there for you to get into. For me, it’s writing, but there are many other lucrative opportunities with low buy-ins and high earning potential. One such opportunity is in editing and proofing. With limited skills and the right attitude, you can be well on your way to earning extra income. […]

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5 Survey Sites That Pay Through PayPal

Posted on February 10, 2021November 15, 2021by Kathryn Vercillo
Survey Sites That Pay Through PayPal

Do you want to earn extra income taking surveys online? Is your preferred payout method through PayPal? If so, then you’ll want to learn more about the following survey sites that pay through PayPal. What Are Survey Sites? Just in case you’re not familiar with then, Survey Sites are sites or apps you can use […]

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    • Frugal Tips

Save on Books You Love

Posted on February 6, 2021by Shay Huntley
Save on Books You Love

We all have things we enjoy or hobbies that help us relax at the end of a long day. For me, I like to read. I like the feel of turning the pages. Reading the passages aloud helps me see the pictures more clearly. With an open mind, I drift off into new worlds and […]

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    • Personal Finance

Financial Lessons from The Art of Noticing

Posted on February 3, 2021by Kathryn Vercillo
the art of noticing

Recently I’ve been reading Rob Walker’s The Art of Noticing. Subtitled “131 Ways to Spark Creativity, Find Inspiration, and Discover Joy in the Everyday,” you wouldn’t think it would provide much insight into personal finance. However, I’ve discovered that indeed it does. The Art of Noticing The Art of Noticing is a series of lessons […]

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  • Frugal Tips

Finding Free Samples Online

Posted on January 30, 2021February 4, 2021by Shay Huntley
Free Samples Online

If you are into free activities, you have to be into receiving free goodies to try out. Aside from filling out instant wins and sweepstakes, this is an easy task. You see, everyone wins. You have to get signed up before the promotional period ends or samples run dry. I love finding free samples online. […]

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Can You Be Fired for Being Sick?

Posted on January 29, 2021by Kathryn Vercillo
fired for being sick

Why do people go to work when they are sick? While there are a lot of different reasons, the most common is the fear of getting fired for being sick. Or more specifically, getting fired for calling in sick and taking the time off of work that you need to heal. Are employers allowed to […]

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  • Frugal Tips

Frugal Ways to Extend Household Items Life

Posted on January 29, 2021by Kathryn Vercillo
extend household items life

I recently shared with you that I had hired 1800GotJunk to haul away a bunch of stuff from my home. While I do so for good reason, it’s never my first choice. I try to take “reduce, reuse, recycle” seriously. So, I would much rather extend household items life as long as possible rather than […]

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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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