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From Frugal to Free

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

An Attempt at My Dream

Posted on May 17, 2016October 17, 2016by Kara

I’m a woman of many dreams. I spend a lot of my time thinking about all the things I want to do, the places I want to see, the people I want to meet. (Oprah, top of the list.) Possibility is like a drug to me. In so many ways, my life is full of […]

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  • Personal Finance

Guest Post: How to Travel Without Going Broke

Posted on May 11, 2016July 11, 2016by Kara

Y’all. I am SO BEHIND. I was supposed to have this post up weeks ago. I mean, weeks ago. Thankfully my friend Matt is a patient gem of a man. In light of my last post about taking a frugal road trip (which was great! See photo evidence of greatness here) it’s actually kind of […]

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  • Personal Finance

A Weekend of Frugal Travel

Posted on May 5, 2016July 11, 2016by Kara

Today is my last work day of the week! I’m headed out to a camping, hiking and star gazing bonanza this weekend at Big Bend National Park. My boyfriend and I are taking a mini vacation and checking this park off the list. (It’s a dream of mine to visit all the US National Parks!) […]

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  • Personal Finance

Design, Purpose, and Communication

Posted on April 26, 2016July 18, 2016by Kara

Happy Tuesday afternoon everyone! I’m holed up at a coffee shop, coming from a meeting for my non profit, heading to catering in an hour. It’s just another day of being stressed, and feeling resentful of my jobs. I’m closer every day to freelancing, but there’s a lot of time in between then and now, and […]

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  • Personal Finance

Why Ambition is One of My Favorite Words

Posted on April 21, 2016February 5, 2017by Kara

I’ve always been a person who was comfortable with ambition. The first job I ever wanted? President of the United States. (I still think I’d be better at it than Donald Trump.) Lately, I’ve been talking with a lot of inspirational and hard working women. As I try my best to prepare myself for the […]

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  • Personal Finance

The Business of Starting A Business: Money

Posted on April 14, 2016July 11, 2016by Kara

Well, it’s been a week since I made the decision to leave my job and start the journey to full-time freelance. I still feel great about it! Of course, nothing in my life has actually changed yet, but it feels like everything has changed. Knowing there is an end in sight for the stress and […]

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  • Personal Finance

An Action Plan, and a New Goal

Posted on April 11, 2016September 5, 2016by Kara

Last week I wrote about how I’d reached my breaking point. I’m pretty unhappy with my professional life, which is not great. And as many of you pointed out in the comments, this is not a dress rehearsal. It matters that I’m happy in my day to day. Thank you to everyone who left me […]

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  • Personal Finance

I’ve Reached the Breaking Point

Posted on April 7, 2016February 4, 2017by Kara

I have officially reached the breaking point. I took the wrong highway exit coming home from catering at 11:00pm a few nights ago, and I burst into tears. I was so exhausted, so upset at my life, so completely done with everything, that I just cried it out on the frontage roads. I got back to […]

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  • Personal Finance

Showing Off Your Hometown on a Budget

Posted on March 28, 2016July 18, 2016by Kara

This month I’ve had two friends visit on two separate trips. Great times all around! I’ve lived in Austin for almost four years, and I’ve actually had very few close friends come visit. Having visitors is exciting, exhausting and if you’re not careful, expensive. You want them to experience the best your city has to offer! […]

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  • Personal Finance

When My Boyfriend Stole My Lunch, and How My Frugality Has Limits

Posted on March 24, 2016March 27, 2017by Kara

My frugality is a really important part of my identity at this point in my life. I’ve embraced a somewhat extreme downsizing on spending in my life, compared to most 20 somethings. It’s a pretty even split between wanting to live a simple, renewable life and saving money. I want to have as small an […]

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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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