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From Frugal to Free

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

Learning to Work Smart, Not Hard

Posted on March 21, 2016July 18, 2016by Kara

On March 1st I tweeted ‘March is going to be a roller coaster. Right now it’s like “LOOK MA NO HANDS.” Two weeks in will be more like “i think I’m gonna be sick.’ Well, I’ve made it through the no hands part, but I’m still riding the ‘Am I gonna puke?” part. March is my […]

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  • Personal Finance

Why Financial Independence is Absolutely Right For Me

Posted on March 14, 2016July 18, 2016by Kara

I am freshly home from the best vacation of my life. My Instagram and Twitter followers will know that I spent Wednesday-Sunday in Jackson Hole, Wyoming. I joined a friends family vacation, and had a blast. Jackson Hole was no ordinary trip. Frugal was not in the vocabulary of the weekend. I paid for my […]

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  • Personal Finance

Side Hustle Bonanza, And the Busiest Month of the Year

Posted on March 3, 2016February 4, 2017by Kara

March is my busiest time of the year every year, but this year is really going to take the cake. I’ll be side hustling like crazy throughout the month! March is the month of the South by Southwest music and film festival. My catering company works over time for three weeks. It’s a chance to earn […]

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  • Personal Finance

Guest Post: Research Study Side Hustle

Posted on February 29, 2016September 4, 2023by Kara

I’m happy to announce a guest post today! I reached out to Sarah from The Yachtless to ask about one of her favorite side hustles: research study participant. I’m a huge fan of side hustles, having had no less than seven jobs last year. Research study participant is not one I’ve ever done though! Sarah […]

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  • Personal Finance

Post-Debt Spending: How to Do it Right

Posted on February 25, 2016July 18, 2016by Kara

I’ve been debt free for almost nine months now. It’s a glorious place to be. No student loan payments hang over my head. I’m much more financially secure. I’ve stepped up my savings rate substantially. All these things are the direct result of paying off my debt. Navigating the world of post-debt spending has been […]

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  • Personal Finance

Turns Out I Saved 73% of My Income Last Year

Posted on February 18, 2016June 29, 2017by Kara

It’s been in the 80’s for the past week here in Austin. It feels like spring has sprung, even if the calendar still says February. While it’s not quite spring, it is tax season! I’ve finally got all my W2’s in hand, and so I calculated exactly how much I earned last year. I earned $32,242 before […]

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  • Personal Finance

Here’s How I Spent $68 on Food in January

Posted on February 8, 2016August 13, 2019by Kara

Move over Beyonce. Last week it was I who broke the internet! I sent out a tweet last week that read “Going over my mint budgets today. I spent $43 on #groceries this month, $25 on two meals out. $68 total on #food for the whole month. wowza” That’s right. I spent $68 on food total last […]

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  • Personal Finance

I’m Going to FinCon ’16!

Posted on February 4, 2016July 18, 2016by Kara

FinCon ’16, get at me! As all good personal finance bloggers know, FinCon is the Mecca of the online personal finance world. A whole conference about personal finance and the online world…oh my gosh, I’m so excited. And it’s in San Diego, one of the prettiest cities in the whole damn country. Dreams really do […]

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  • Personal Finance

How I’m Paying off That $1,200 Credit Card Bill

Posted on February 3, 2016July 27, 2020by Kara

Last week I went on a mind blowing spending spree. I spent $1,200 in a matter of three days, all in the name of earning credit card rewards. It was actually really fun and kind of freeing in a way. Having spent the last year and a half in extreme frugal mode, where even spending on […]

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  • Personal Finance

Fill The Bucket List Challenge

Posted on January 29, 2016July 21, 2016by Kara

I’m a little late on this one but better late than never! Maggie over at Northern Expenditure wrote a lovely post called ‘The Fill the Bucket List.’ In her own words, “a fill-the-bucket list focuses on the opportunities you have had and the things you’ve taken a chance and done.” Long before I was your […]

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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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