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From Frugal to Free

Frugal adventures on the road to financial freedom.
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Maximize Cashback Opportunities

Posted on September 19, 2020by Shay Huntley
Woman holding emergency funds in the palm of her hand

We all shop, eat out and get gas. If you are a frugal shopper, you love to save. This week I have been looking at how to save more money. Im pretty good about stashing away my check, but wanted more opportunities to save on online purchases. There were a few things I needed to […]

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  • Personal Finance

Money Psychology: 4 Key Questions from a Money Author

Posted on September 16, 2020by Kathryn Vercillo
money psychology

Money psychology is one of the most fascinating aspects of personal finance for me. So often, our money decisions aren’t made from places of logic. Instead, we make those decisions from the heart. Our emotions can confuse our finances. I’m always working on this myself, so I was intrigued to see a New York Times […]

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  • Entertainment

How to Create Your Own Laminated Placemats

Posted on September 16, 2020September 16, 2020by Kathryn Vercillo
diy laminated placemats

If you are looking for a fun new DIY project for your home, then consider making DIY laminated placemats. They provide a simple, easy way to dress up your dining room table. You can change them out weekly or seasonally to give your dining area a fresh, fun new look. Plus, since they are easy […]

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    • Frugal Tips

How to Save Money Being a Minimalist

Posted on August 28, 2020by Shay Huntley

A minimalist is a person who lives on less. They live and lead simplistic lives, only buying what they need and cutting out wants. Minimalist focus on experiences over worldly possessions. They intentionally promote things most valued to them and act with clarity and purpose. People who lead this lifestyle often spend less than they […]

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  • Better Life
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    • Personal Finance

What You Need to Know About Revolving Debt VS Fixed Payment Debt

Posted on August 21, 2020August 21, 2020by Shay Huntley

Debt is not one-sided. While the headlines scream at us about how much debt Americans carry and how much people struggle to make their payments- no one mentions there are different kinds of debt. Debt’ is not just a catch-all term. We use it that way, but many types of it can mean different things […]

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  • Entertainment

Frugal Activities I Miss During the COVID-19 Shutdown

Posted on August 18, 2020July 24, 2020by Kathryn Vercillo

In many ways, it’s easy to live frugally during the COVID-19 shutdown. After all, we simply can’t go out and do a lot of the things that we used to go do. Therefore, we don’t spend money on those things. The things we can do, like going for a socially-distanced walk in the park, don’t […]

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  • Better Life

Can Health Insurance Cover Your Massage Therapy?

Posted on August 14, 2020August 30, 2020by Shay Huntley

Medical insurance can be a tricky thing to navigate. There are hundreds of diffrent providers, insurance limits, and covered services. In addition to that, you have to find a plan that’s best suited to your needs and budget. If your someone looking to cover nontraditional health needs, then this is for you. Today we will […]

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  • Personal Finance

How Do You Show Proof of Income if You Are Self Employed?

Posted on August 11, 2020July 24, 2020by Kathryn Vercillo

  I have been self employed for well over a decade. Based on my experience, it has gotten a lot easier to show proof of income for self employed individuals in recent years. In particular, it’s a lot easier to show that proof as a gig worker/ freelancer/ independent contractor than it was a decade or […]

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  • Entertainment

Fun Frugal Activities for the Family

Posted on August 7, 2020August 7, 2020by Shay Huntley

When it comes to fun activities for the family, they usually come with a high price tag. The cost of a zoo trip, amusement park, and other entertainment venues can mount. For families who want to have fun at these types of venues, but at half the cost, there are solutions for you. Follow along […]

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  • Better Life
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    • Frugal Tips

5 Frugal Choices Helping Me With Healthy Eating

Posted on August 4, 2020July 24, 2020by Kathryn Vercillo

I recently recommitted to healthy eating. Of course, it’s always been important to me. But naturally sometimes I stray from it. I started a new relationship last year and we enjoyed indulging in lots of tasty meals together. The COVID-19 pandemic hit and the stress made me want to comfort eat. But it’s time to […]

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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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