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From Frugal to Free

Frugal adventures on the road to financial freedom.
  • Frugal Tips

Frugal Fitness Tips for a Budget-Conscious Workout

Posted on February 13, 2019by Kathryn Vercillo

It seems like frugal fitness should be easy. So then why do we all end up spending so much money on working out? It all comes down to some bad habits and an emotional reaction to exercise. If we can cope with those things, we can get a good workout without spending too much money. […]

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  • Better Life

Minimalism vs. Frugal Living: Similarities and Differences

Posted on February 1, 2019by Kathryn Vercillo

Minimalism is not the same thing as frugal living. However, the two lifestyles have a lot of similarities. Understanding those similarities, along with the differences, can help you choose what is right for your own life. When you examine the two lifestyles, what you’ll discover is that they overlap in so many ways. However, where […]

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Discover a Wide Array of Premium iPhone 7 Plus Tempered-Glass Screen Protectors

Posted on February 1, 2019November 1, 2019by Susan Paige

We know that iPhone 7 plus not only has immense aesthetic appeal; it is quite robust as well. But still, it is a good idea to use a screen protector to combat scratches and effectively absorb shocks. So it is necessary to provide an essential defense to the phone in the form of screen guards. […]

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  • Personal Finance

How to Get Cash Back with the Earny App

Posted on January 30, 2019January 30, 2019by Kathryn Vercillo

If you aren’t using Earny yet, you are missing out. This is a tool that allows you to get cash back on your previous purchases. In other words, if you are spending money anyway, then a tool like this can help you reduce your costs. Of course, you save more money by not spending in […]

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Smart Money Habits to Embrace in the New Year

Posted on January 24, 2019by Kathryn Vercillo

I do have some smart money habits. However, I’ve also gotten away from some of my best money habits. The New Year seems like the perfect time to review. After all, it’s the time of year to think about habits. I’m thinking about what works that I want to keep doing. I’m thinking about what […]

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  • Personal Finance

The Challenges of Starting a Small Business

Posted on January 18, 2019January 21, 2019by Justin Weinger

Starting a new business is always a big leap of faith for so many people. You have decided to start something for yourself and be your own boss, but you don’t know how things may turn out. One certain thing is that you can’t start a business today and expect it to be thriving tomorrow. […]

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The Regulations Clash Of CBD And Other Facts To Know To Use It For Healthy Benefits

Posted on January 17, 2019by Susan Paige

There are a lot of facts that you should know about CBD and its usage right from the rules and restrictions, the regulation clash as well as the other facts. Such knowledge will help you to choose the right product and also use it in the right proportion so that chances of any side effect […]

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  • Personal Finance
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Where to Get Long Term Car Rentals

Posted on January 16, 2019by Kathryn Vercillo

I’m looking into long term car rentals. I live car-free in San Francisco. In fact, I have been without a car for the whole thirteen years I’ve lived here. I prefer not to drive if I don’t have to. However, I’m planning on spending a big chunk of the summer in LA, and I’m not […]

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How to Choose a Good Vape Pen? A Beginner’s Guide

Posted on January 11, 2019August 4, 2023by Susan Paige

Most people around the world are aware of the harmful effects of inhaling nicotine. However, most chain smokers face a very serious dilemma. You probably fall in the same category. No matter how much you try, you just can’t get rid of the habit. The withdrawal symptoms always seem to get the better of you. […]

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  • Personal Finance

My Plan to Make More Money in 2019

Posted on January 9, 2019January 9, 2019by Kathryn Vercillo

I’ve come to the conclusion that I need to make more money in 2019. I always seem to have an ebb and flow when it comes to this topic. There are some years when it’s just not a primary focus. Then there are other times, including right now when it becomes financially important for me […]

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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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