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From Frugal to Free

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

Kansas Homebuyers Share Cautionary Tale on Housing Contracts

Posted on April 7, 2024April 6, 2024by Oscar Davies

A man and a woman have issued a warning after what they call a “Deceptive clause” in their housing contract that could now see them on the brink of homelessness despite paying rent on time. Warning Signs in Housing Contract A Kansas couple is making it their mission to alert future homeowners and renters after […]

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  • Finance

Fast Food Prices Spike: Inflation’s Impact and Future Trends

Posted on April 7, 2024April 6, 2024by Ashleigh Nicole

In the world of quick-service restaurants, a seismic shift is occurring. Places that were once known for their affordable meals are now facing a steady climb in prices. Inflation Hits Fast Food Hard In the past year, iconic chains like McDonald’s and Chipotle have significantly increased their menu prices, far exceeding the typical inflation rates. […]

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  • Business

Costco To Restrict Who Can Eat at Their Popular Food Courts

Posted on April 7, 2024April 5, 2024by Shannon Campbell

Costco stores around the U.S. have been putting up signs announcing a new entry policy for their famous store food courts – and not all diners will be happy about the change. $1.50 Hot Dog Combo No More? Is it time to bite the bullet and finally become a Costco member? It might just be, […]

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  • Finance

Why Renting Makes Sense in the Current Market

Posted on April 7, 2024April 6, 2024by Haley White

Buying a house is a great goal, but it’s not for everyone. Find out why renting might be a better option if you’re not ready to buy. Housing Market a Hot Topic It may seem like all anyone can talk about is the housing market. There are pain points there when it comes to inventory, […]

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  • Retirement

18 Reasons Why Florida Might Not Be Your Retirement Paradise

Posted on April 7, 2024April 6, 2024by Mia Anderson

Florida’s sunny disposition might not shine as brightly when you consider the nitty-gritty details of living there, especially for retirees looking to stretch their dollars and enjoy a peaceful lifestyle. Here’s a more focused look at why the Sunshine State might not be the best fit for everyone. 1. Sky-High Insurance Costs With hurricanes as […]

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  • Finance

19 Most Expensive Household Appliances to Run

Posted on April 7, 2024April 5, 2024by Mia Anderson

Keeping an eye on your utility bills? You might be surprised which household appliances are quietly driving those numbers up. Here’s the lowdown on the top energy guzzlers in your home and how you can dial back their appetite for power. 1. Central Air Conditioning Running your A/C can cost you between $450 and $600 […]

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  • Finance

Financial Fraudsters Exploiting AI, Says U.S. Treasury

Posted on April 6, 2024April 5, 2024by Joe Lysikatos

While we’ve all heard about the pitfalls of AI, there’s one thing that hasn’t been mentioned in the media too much – its potential use for crime. Well, according to the U.S. Treasury, that potential is currently being realized on a widespread level. Let’s take a look at what they said. Treasury Sounds Alarm The […]

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  • Finance

Wealthy Americans Advocate for Wealth Tax, Willing to Pay More

Posted on April 6, 2024April 5, 2024by Joe Lysikatos

Over 250 billionaires and millionaires have united to call for wealth taxes, sending a clear message to the political elite currently convening at the World Economic Forum in Davos. Signatories of the open letter are urging world leaders to consider taxing the super-rich as a means to address global inequality and fix public services. Unprecedented […]

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  • Finance

UPS Ends Remote Work Policy Following Major Job Cuts

Posted on April 6, 2024April 5, 2024by Haley White

UPS is the latest in a string of employers making headlines for demanding their remote employees return to work in the office. They’ve also just announced that they’re cutting 12,000 jobs. UPS Announces Mass Layoffs International shipping giant UPS has announced a significant round of layoffs to come in 2024. The company says they plan […]

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  • Political

60% Tariffs on China? Potential Price Hikes for U.S. Shoppers

Posted on April 6, 2024April 5, 2024by Oscar Davies

Presidential candidate Donald Trump has discussed imposing 60% tariffs on Chinese products coming to America, which experts argue will trigger a global “trade war” that has never been seen before in modern history. Election Strategy Unveiled Former President Donald Trump has reportedly been discussing a potential 60% tariff on all imports from China if he […]

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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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