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From Frugal to Free

Frugal adventures on the road to financial freedom.
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Never Believe These Four Myths About Personal Financial Management

Posted on January 6, 2021by Susan Paige

Money is a complicated subject, and everyone seems to have an opinion. But then, what should you believe and what belongs to the trash? Answering the question can be tough.  One thing is sure. These four myths about money are pure nonsense. Believing any of these will land you in a lot of financial trouble.

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New Food Plan: Is a Hungryroot Subscription The Way to Go?

Posted on January 5, 2021by Kathryn Vercillo
meal delivery services

I’m ready to try a new food plan. I’m looking for a food delivery service that offers fresh, healthy food at a relatively low cost. Therefore, I’m going to try Hungryroot. I just got my first box today, and so far I’m happy with what I see. But will it prove to be worth it? […]

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Bitcoin Trading is it Right for You? Some Tips For Starting Bitcoin Trade

Posted on January 4, 2021December 29, 2021by Susan Paige

This currency software is developed by the developer Satoshi Nakamoto. Bitcoin which is a virtual currency. It provides the permission to perform the transaction by peer-to-peer. Some people are still confused and want to know more about bitcoin. Bitcoin that can also be considered a commodity, and you can also use it in online trading. […]

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  • Frugal Tips

Frugal Ways to Update a Home Décor

Posted on January 2, 2021May 7, 2022by Shay Huntley

The best part of purchasing a home, or moving into a new place, is you make it your own. You can go in a million directions when it comes to matching your personality with your decor. Aside from the fun of picking out furniture, pictures, and accents, is the stress of how you will fund […]

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Can You Sail Around the World on a Budget?

Posted on December 29, 2020June 15, 2023by Kathryn Vercillo

  At this time last year, a friend of a friend was getting ready to sail around the world. He’s not the first person I’ve known to make this kind of trip. While it’s not my particular fantasy, many people find the notion romantic, magical, and exciting. Of course, if you’re going to take this […]

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After Christmas Sales

Posted on December 25, 2020December 26, 2020by Shay Huntley
After Christmas Sales

I hope everyone had a Merry Christmas and a happy holiday. I hope you each got what you wanted and had a wonderful time surrounded by family and friends. My loved ones and I had a fabulous time and good food. Now I’m setting my sights on after Christmas sales. I love shopping for next […]

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Back to the Basics with 2021 Financial Goals

Posted on December 22, 2020by Kathryn Vercillo
2021 financial goals

Every year, I take the time to review the past year and look forward to the new year. I set a variety of different types of goals, including financial goals. In many recent years, those financial goals have been ambitious. However, this year I have to go back to the basics. Overarching Goal: Earn More […]

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Why It Makes Sense to Invest in Indices

Posted on December 21, 2020January 7, 2021by Justin Weinger

Have you ever thought about putting at least a portion of your investment money into stock market indices? Most people have heard of stock index trading and recognized its obvious appeal in not being tied to a specific company, having exposure to a huge segment of the market, having the safety of a well-diversified investment. […]

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When Does Selling at a Loss Make Sense?

Posted on December 18, 2020December 19, 2020by Shay Huntley
Selling on A Loss

If you are like me, you owe taxes to the IRS each year. This could be due to several factors including, not having enough tax credits or deductions or having too little withheld from your paycheck. If this is your situation, you are probably wondering how do you leverage losses to lower your tax bill. […]

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7 Tips On How to Dress For Less

Posted on December 15, 2020by Kathryn Vercillo
Dressing for the Weather

Dressing for the weather often means putting on a lot of layers. Of course, each layer that you add cost you something. The more layers that you need to stay warm, the more you might have to spend on clothes. Here are 7 tips on how to dress for less money, even when dressing for […]

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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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