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From Frugal to Free

Frugal adventures on the road to financial freedom.
  • Career

20 Signs It’s Time to Look for a New Job

Posted on May 12, 2024May 9, 2024by Mia Anderson

Sometimes, the writing’s on the wall about when to leave a job, but we ignore it hoping things might improve. However, recognizing red flags can save you time and prevent career stagnation. Here are 20 signals that it’s time to polish your resume and look for new opportunities… #1. Stagnation in Your Role If you’ve […]

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  • Personal Finance

19 Things You Can Get for Free Instead of Paying For

Posted on May 12, 2024May 9, 2024by Mia Anderson

Ever wonder why your wallet’s always lighter than you think it should be? It might be because you’re spending money on things that—you guessed it—could be yours for free. Bank fees, shipping costs, and more are silently draining your funds. Ready to plug those leaks and save some cash? Let’s get into it, no nonsense […]

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  • Personal Finance

Costco: 8 Great Deals and 8 Items to Pass Up

Posted on May 12, 2024May 9, 2024by Mia Anderson

Ever found yourself wandering the vast aisles of Costco, wondering if that giant jar of pickles is truly the bargain it appears to be? Or perhaps you’ve pondered over the wisdom of buying tires from the same place you get your rotisserie chicken. Welcome to the definitive, somewhat cynical, and unexpectedly enlightening guide to Costco […]

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  • Finance

Navient’s Data Transfer Raises Alarm for Student Loan Borrowers

Posted on May 12, 2024May 9, 2024by Oscar Davies

2.7 million student loan borrowers across the country could be affected by Navient’s decision to transfer data to MOHELA, a company that has already been investigated and punished for a number of controversies. Navient’s Loan Switch Navient, a major private student loan servicer, has controversial plans to move its current loan data to MOHELA. Impact […]

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  • Better Life

Geothermal Investment of $60 Million Signals Clean Energy Breakthrough

Posted on May 11, 2024May 9, 2024by Joe Lysikatos

The Biden Administration has unveiled a next-level funding investment into renewable green energy that they say could provide infinite energy. Let’s take a look at their plans. Biden Administration’s Push for Net Zero President Biden and the department of energy (DOE) have announced a big move toward shifting to net zero, with a $60 million […]

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  • Better Life

California: A Great Retirement Choice for These 19 Reasons

Posted on May 11, 2024May 9, 2024by Mia Anderson

Retiring in California might seem like a paradox for the budget-conscious, given its reputation for high taxes and living costs. Yet, the Golden State offers a compelling mix of benefits that can outweigh the financial cons for many. Here’s why California still shines as a retirement destination, even when the taxman looms large. #1. Year-Round […]

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  • Better Life

20 Things from the ’70s That Are Inappropriate Now

Posted on May 11, 2024May 9, 2024by Mia Anderson

Ah, the ’70s: a decade of disco, bell-bottoms, and choices that would make modern safety experts faint. While we can chuckle at the fashion and groove to the tunes, some ’70s norms are better left in the past. Let’s take a nostalgic yet eye-opening journey through these relics of yesteryear. #1. Smoking Like Chimneys Everywhere […]

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  • Better Life

20 Countries Wealthier Than the United States

Posted on May 11, 2024May 9, 2024by Mia Anderson

When we think of wealth, the USA often springs to mind with its massive economy, Silicon Valley, and cities that never sleep. But, hold onto your hats, because the world of wealth is wider and more varied than just the American Dream. Here’s a surprising look at countries that give the US a run for […]

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  • Finance

AT&T Security Breach Leaks Data of 73 Million Customers

Posted on May 11, 2024May 9, 2024by Shannon Campbell

A security breach at AT&T has put customer data at risk – and it could have significant repercussions for tens of millions of customers. Security Breach at AT&T Major telecommunications multinational AT&T admitted on Saturday that a massive security breach has put millions of customers’ data at risk. But how did it happen? No Suspects […]

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  • Finance

U.S. Debt Surpasses $34 Trillion Mark, Experts Highlight Severe Economic Risks

Posted on May 11, 2024May 9, 2024by Joe Lysikatos

Prominent economists have issued a dire warning about the state of America’s debt if left unchecked. Here’s the full story. National Debt’s Dire Trajectory The Government is amassing too much debt, according to experts from the Federal Reserve, JPMorgan Chase, Bank of America, and Blackrock – to name but a few.  The Economic Toll of […]

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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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