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From Frugal to Free

Frugal adventures on the road to financial freedom.
  • Personal Finance

Should You Buy Used Home Exercise Equipment Or A Gym Membership?

Posted on March 26, 2018by Kara

Have you ever told yourself ‘Tomorrow I’m going to start working out’? I know I have countless times. Health is a priority for a lot of people, but finding the time and the money to work out can be a challenge. Is it better to sign up for a gym membership or to make yourself […]

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  • Personal Finance

A Guide to Buying Healthy Foods At Walmart

Posted on March 19, 2018March 18, 2018by Kara

Walmart is a Mecca of affordable pricing. The conglomerate is dedicated to keeping prices super low for it’s customers, which means it’s a great place to shop for those on a budget. Walmart’s low prices don’t mean you have to trade health for savings either. Walmart healthy foods can often be gotten at a bargain price. […]

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  • Personal Finance

How You Can Negotiate Cheaper Rent For Yourself

Posted on March 12, 2018March 7, 2018by Kara

Take a look at your monthly expenses; I bet rent is one of the highest items on the list. We all need a place to live, and it doesn’t always come cheap. What do you do if your rent goes up but you love where you live? Are landlords the ones holding all the power? […]

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  • Personal Finance

YouTube Channels Aren’t That Lucrative

Posted on March 5, 2018March 5, 2018by Kara

The vast majority of YouTube channels run by individuals earn a lot less money than previously reported, according to a study from Germany.

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  • Personal Finance

Good News in a Sellers’ Market: Crowdfund Home Down Payments

Posted on February 26, 2018February 26, 2018by Kara

Now you can crowdfund home down payments– something that only became possible over the past year or so.

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  • Personal Finance

Meal Prep Subscriptions: Good For Some But Not All

Posted on February 19, 2018February 7, 2018by Kara

Meal prep subscriptions are one of the hottest start up ideas in the market right now. Off the top of my head I can think of at least three; Blue Apron, Hello Fresh and Home Chef. It makes so much sense; people gotta eat. All the steps that come before sitting down at the dinner […]

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  • Personal Finance

Morris Day Net Worth

Posted on February 12, 2018February 2, 2018by Kara

We’re back for another net worth update! We’ve taken on people in the fitness industry before, but today it’s time to wonder and perhaps marvel at someone in the music industry.

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  • Personal Finance

Should You Ever Borrow Money From Your Retirement Plan?

Posted on February 5, 2018February 2, 2018by Kara

Saving money in your retirement plan is a good idea, and a critical part of any long term financial plan. But there are many decades between you and retirement and sometimes, you are faced with a situation where you could use that money before you’re at retirement. People do pull money from their retirement accounts. […]

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  • Uncategorized

How Much Do YouTubers Get Paid, Really?

Posted on January 29, 2018March 5, 2018by Kara

YouTube has become a vehicle for creating stars. But how much Do YouTubers get paid?

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  • Personal Finance

A 26 week Savings Plan To Get You To $1,000

Posted on January 8, 2018January 12, 2018by Kara

Saving $1,000 is a great goal, but one that may take time for lots of people out there. I know it takes me a few weeks to tuck away that much money.$1,000 is enough money to cover most small emergencies, and it’s a great starting point for building larger savings off of. There’s just something […]

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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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