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From Frugal to Free

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

How to Build A Business When You’re Broke

Posted on July 5, 2016June 9, 2023by Kara

I think it’s a very human trait to want to leave an impact. It’s in our genetic code to want to build something that we will be remembered by. The Maya built pyramids. Alexander the Great named more than 20 cities after himself. We want to create, to build something of our own. Today it’s less […]

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  • Personal Finance

The Business of Starting a Business: Organization Tactics

Posted on June 29, 2016July 8, 2016by Kara

I have officially been a full time freelancer for three weeks TODAY, and it’s been amazing. I haven’t been working all that hard or all that much over the last three weeks on freelancing. I wanted to take some serious down time to really mentally separate from my nonprofit job, sleep a lot, and figure […]

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  • Personal Finance

Reflections on One Year of Debt Freedom

Posted on June 16, 2016February 3, 2017by Kara

Life has been so busy that last week when my one year anniversary of debt freedom came, it also went pretty damn quick. I blinked and poof! It had passed me by. Still, June 5th 2015 was one of the most important days of my life.  Even though I’m eleven days late, I do want to take […]

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  • Personal Finance

June Spending and Life Plan

Posted on June 1, 2016July 11, 2016by Kara

Happy June! I love the start of a new month. June, in particular, has always heralded the start of summer for me personally. This June I’ve got big plans, financial and otherwise, and I can’t wait to share them.

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  • Personal Finance

The Privilege I Have Despite Being Broke

Posted on May 30, 2016July 11, 2016by Kara

Privilege is a funny word. It gets thrown around a lot these days but few people I’ve met seem to really understand what it means. People seem to think privilege means ‘no problems ever!’ when in reality it means that you simply started out in a better place than some other people. It means certain […]

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  • 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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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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