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From Frugal to Free

Frugal adventures on the road to financial freedom.
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Kitchen Remodeling on a Shoestring Budget

Posted on November 3, 2020November 19, 2020by Kathryn Vercillo
kitchen remodeling on a shoestring budget

The kitchen is one of the most important rooms in the house. After all, you spend at least part of every day in the kitchen. Therefore, you want this space to be both beautiful and functional. It might be time to do some remodeling. If you don’t have a lot of money to spend, here […]

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List of Uses for Arm and Hammer Baking Soda

Posted on October 28, 2020October 28, 2020by Shay Huntley
Uses for Arm and Hammer Baking Soda

Many things we use in and around our home can have dual uses. One such simple product is baking soda. Baking soda is a versatile product. No longer is it for freshening up your fridge. It has several other purposes. If you follow along, we will list several uses for Arm and Hammer baking soda. […]

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What is Emotional Wealth?

Posted on October 27, 2020October 28, 2020by Kathryn Vercillo
emotional wealth

Emotional wealth means that we are able to live in joyful abundance regardless of our financial circumstances. Yes, money does make a difference in our lives. Up to a certain point, having money makes life easier and more comfortable. It allows us to achieve our dreams, help others, and live with fewer worries. Therefore, there’s […]

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What is the Difference Between Being Frugal and Thrifty?

Posted on October 24, 2020by Shay Huntley
Thrifty vs Frugal

When you go out to shop, do you find yourself penny pitching? Are you budget-conscious when picking out items to buy, or do sacrifice quality for price? We all like to save money on shopping trips. With that being said, some of us can take it to the extreme of savings, while others not so […]

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  • Personal Finance

How To Sort Out Your Coins At Home

Posted on October 16, 2020October 14, 2020by Shay Huntley
sorting out coins

Do you keep a coin jar or a piggy bank? I’ve kept several piggy banks for years. I have some on my dresser and one in the car, just in case. Sometimes I drop in spare change and others, I drop in cold hard cash. When it’s time to cash out or organize, sometimes the […]

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Is It OK to Use a Check With an Old Address?

Posted on October 9, 2020October 7, 2020by Shay Huntley
Use check with old address

It is not often we use checks. When we do, it’s for something worthwhile or required. If it has been a while since you pulled out the old checkbook, you may notice an old address listed. If that’s the case, you may wonder, is it ok to use a check with an old address? We […]

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How to Be Productive While Driving

Posted on October 6, 2020by Kathryn Vercillo
Productive While Driving

Do you have to spend a lot of time in your car? Maybe you have a long daily commute. Or perhaps you drive your children around to a lot of activities. Or maybe you find yourself on road trips on a regular basis. Whatever the reason, you can make that time useful for you. You […]

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Renting an Apartment Through Zumper (Pros and Cons)

Posted on September 30, 2020July 26, 2023by Kathryn Vercillo
zumper

As rents in San Francisco have started to decline for the first time in at least the fifteen years that I’ve lived here, I’ve begun to look into options for renting a new apartment. I’m not necessarily going to move, but I’m considering it. And because I’m the type of person who likes to get […]

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Frugal Facebook Groups to Follow in 2020

Posted on September 25, 2020September 24, 2020by Shay Huntley
Frugal Facebook Groups to Follow in 2020

If you love saving money, you love doing your research. One of the best ways to learn more about savings and connecting to other frugal consumers is through social media. I’m in many groups that align with my likes. From learning the credit card game to marriage advice, there is a group for everything. For […]

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10 Household Products You Can Create Yourself to Save Money

Posted on September 22, 2020September 23, 2020by Kathryn Vercillo
Products You Can Create Yourself

  Most of us are accustomed to going to the store to purchase everything we need for the home. Maybe instead you order online and have the items delivered to your door. Either way, someone far away creates the items you use in your home. But there are so many products you can create yourself […]

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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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