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From Frugal to Free

Frugal adventures on the road to financial freedom.
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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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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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Best First-Step Financial Books

Posted on January 23, 2021February 4, 2021by Shay Huntley
Best First-Step Financial Books

I’m starting this year off with new savings goals and objectives. I also have a small group of friends I text with about investments, savings, and financial freedom. Weekly I give them up-to-date information about promising stocks and encourage them to put money into their savings, even if it’s only $5 a month. I also […]

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Should You Tip 1800GotJunk?

Posted on January 19, 2021by Kathryn Vercillo
should you tip 1800GotJunk

Yesterday I was able to massively declutter my home. Unfortunately, a lot of it had to be hauled away by 1800GotJunk. Therefore, I had to pay for the service. As I was making out the bill, I found myself wondering, “should you tip 1800GotJunk staff?” How Does 1800GotJunk Work? If you’ve never used this junk […]

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  • Personal Finance

All you need to know about Insurance

Posted on January 17, 2021by Susan Paige

A legal agreement between two parties is termed as Insurance. It is an agreement made between an insurer, an insurance company, and the insured, the person taking the Insurance. Insurances are all about the insurer ensuring benefit in the cases of contingency. A contingency is when a particular event causes a loss to the insured. […]

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  • Better Life

How to Use the DIME Method to Know Your Life Insurance Needs

Posted on January 15, 2021February 4, 2021by Shay Huntley
DIME Method

In this life, a few things are for sure. While your living life and setting up yourself for the future, you have to think about after. This means taking care of your family if you become seriously injured or die. The best way to protect your family is with life insurance. If your looking at […]

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Save While Dinning Out

Posted on January 9, 2021February 4, 2021by Shay Huntley
save while dining out

I love eating out. I like trying new dishes and the atmosphere of a restaurant. I’m also busy most days, so a quick meal I don’t have to put together sounds great. I will say that when you eat out a lot, a lot of money can get eaten up.  I could easily spend $500 […]

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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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