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From Frugal to Free

Frugal adventures on the road to financial freedom.
  • Better Life

10 Ways to Increase Joy Without Spending Money

Posted on November 2, 2018by Kathryn Vercillo

You can increase joy in your life without spending any money. In fact, spending money on material things often takes us away from the things that give us the most joy in life. Here are 10 tips for finding happiness and increasing joy that won’t cost you. Joyful: A Book on How to Increase Joy […]

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  • Frugal Tips

The Cheapest Places to Live In the United States

Posted on October 26, 2018January 27, 2022by Kathryn Vercillo

Where are the cheapest places to live in the U.S.? And where are the best places for frugal living? Actually, your options are wide open. It really depends on your own priorities. In other words, what are the areas of life where you want to save the most money? In contrast, what things do you […]

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  • Personal Finance

Would You Rather Have More Time or Money?

Posted on October 19, 2018October 19, 2018by Kathryn Vercillo

You have just uncovered a lamp with a genie in it. However, instead of offering you three wishes, he says you only get one. In fact, you can only choose whether you want more time or money. Which one do you choose? Do you ask for more time to do all of the things you […]

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Beware: Student Debt Can Ruin Your Retirement

Posted on October 12, 2018October 12, 2020by Kathryn Vercillo

You accrued student debt because you thought it would pay off in the end. However, many people find that quickly paying off student debt places their retirement wealth in jeopardy.

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  • Personal Finance
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Top 8 Lesser Known Methods Of Making Money Online

Posted on October 4, 2018October 4, 2018by Susan Paige

Yes, we all agree that screen-time with kids and adults is becoming a problem today. There is great propaganda about restricting screen-time because it is considered as futile or a waste of time. But think again! Nothing is wrong or right in this world. It’s only thinking that makes it so. Very often we find […]

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How to Live Like a President: Jimmy Carter’s Frugal Lifestyle

Posted on October 4, 2018by Kathryn Vercillo

Not many presidents embrace a frugal lifestyle. Many U.S. presidents have taken advantage of speaking opportunities and other ways to make money off of their experience in office. They use this money, and wealth they may have from other sources, to live a lavish lifestyle. Jimmy Carter is a pleasant exception. Those who want to […]

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Here Are the Best Frugal Fall Activities for Singles, Couples, and Families

Posted on September 21, 2018by Kathryn Vercillo

Whether you are single, part of a couple, or have a family, there are probably more frugal fall activities than you think. Autumn is the perfect time of year to get outdoors. The air is crisp and energizing. The leaves change colors and delight the senses. The days aren’t too short, yet, so you can […]

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3 Low-Risk Strategies for Trading Options

Posted on September 18, 2018by Susan Paige

Trading options is a great way to make money, but it can be an intimidating process to start as a beginner. Since the main goal when starting a new financial endeavor is make more money than you lose, a lot of people are hesitant to take any risks. However, big risks are not always necessary […]

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How to Beat the Stress of Back to School Spending

Posted on September 7, 2018by Kathryn Vercillo

Back to school spending puts a strain on the family. You can’t escape the fact that children need new things to start the school year. Hopefully, you’ve set aside some money for this time of year. However, even the best planners can still find that the costs of getting the kids back to school stress […]

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Common Startup Pitfalls to Avoid

Posted on August 28, 2018August 29, 2018by Susan Paige

When it comes to your startup, great ideas can only go so far.  The odds are against you, but the key is staying strong and making good decisions. Most startups that fail are because of very similar mistakes that are made early on. To make sure that you get the most out of your startup […]

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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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