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From Frugal to Free

Frugal adventures on the road to financial freedom.
  • Finance

Economic Recovery Slows as Prices Keep Rising

Posted on March 16, 2024March 15, 2024by Oscar Davies

In the last month of 2023, prices unexpectedly went up in the U.S., showing how tricky it is for our economy to recover smoothly. An expert warned that because things are unpredictable, investors need to be more careful with their expectations. A Reminder of Uncertainty The CPI’s 0.3 percent increase in December, reported by the […]

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  • Career

Workplace Etiquette Training Soars as Employees Struggle with Return to Office

Posted on March 16, 2024March 15, 2024by Shannon Campbell

Some employees are struggling with the return to the office, providing a boost for professional etiquette training services across the country. End of the New Normal In the last few years, since the beginning of the global COVID-19 pandemic in 2020, millions of workers in the U.S. and overseas adapted to a new life of […]

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  • Political

9 Bills That Met Their Demise: From Gun Control to Healthcare Reform

Posted on March 16, 2024March 15, 2024by Jennifer Garro

In the heart of Congress lies a graveyard, not for the departed, but for bills – ambitious proposals that met their demise before seeing the light of law. Join us as we delve into the trenches of legislative battles lost, uncovering the gritty realities of political powerplays and the fate of bold initiatives left buried […]

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  • Finance

Women and Minorities: Stuck with Low Wages Despite Economic Promises

Posted on March 15, 2024March 15, 2024by Mark Garro

Before COVID-19, nearly half of all working women — 28 million — worked in jobs paying low wages. Sadly, that hasn’t changed in three years. It’s even worse for women of color. Even in traditionally higher-paying and more equitable industries and careers, women are typically paid 92 cents for every dollar a man earns. Disrupted […]

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  • Finance

Americans Losing Billions to Sneaky Banking Overdraft Tricks

Posted on March 15, 2024March 15, 2024by Oscar Davies

The Consumer Financial Protection Bureau (CFPB) has discovered a loophole in overdraft fees, where banks have been charging U.S. customers more than they need to. A proposed rule has the potential to save consumers up to $3.5 billion annually, here’s the full story. A Long-Standing Issue For years, consumers with a lower income have been […]

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  • Finance

Job Bonuses at an All-Time Low, Here’s What You Need to Know

Posted on March 15, 2024March 15, 2024by Oscar Davies

As employees relished their year-end bonuses in 2023, the joy was tinged with a realization that the average bonus had dwindled to $2,145 from $2,730 in 2022 and $3,583 in 2019, as revealed by Gusto, a payroll software firm. Here’s the full story. The Changing Job Market  Year-end bonus checks are now smaller, reflecting the […]

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  • Finance

Contributing to Retirement Savings Might Be a Bad Move, Focus on Now: Suze Orman

Posted on March 15, 2024March 15, 2024by Haley White

Saving for retirement is a critical part of adulthood, but some people may want to rethink their priorities. Find out what Suze Orman had to say. Orman’s Surprising Advice Famed financial expert Suze Orman ruffled some feathers recently with her retirement savings advice, but she had a good reason for her take on the issue. […]

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  • Finance

Weekend DIY: 19 Tips for Crafting Your Dream Home Office

Posted on March 15, 2024March 15, 2024by Oscar Davies

As the working world makes a monumental shift towards remote working, setting up a home office is essential to achieving maximum productivity and mental well-being. This article will tell you everything you need to know when improving your personal working space. Choosing the Right Space The first step in setting up your home office is […]

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  • Career

Are Millennials and Gen-Zers Job-Hopping Mavericks or Disloyal Workers?

Posted on March 15, 2024March 15, 2024by Haley White

Companies are accepting the fact that younger employees are not likely to stay in their roles as long as their predecessors. Here’s why that’s not a bad thing. Company Loyalty Less of a Priority for Younger Workers A few decades ago, securing a role in your field after college was akin to making a life-long […]

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  • Finance

21 Childhood Toys That Could Be Worth a Small Fortune

Posted on March 15, 2024March 15, 2024by Sarah Griffin

Time to dust off the boxes and find that once-cherished toy from your childhood. For collectors and enthusiasts, they items have become valued objects and they can be worth big bucks – are there any of these in your attic?  #1. Original Star Wars Action Figures The allure of Star Wars memorabilia never fades. Depending […]

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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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