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From Frugal to Free
Frugal adventures on the road to financial freedom.

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  • Personal Finance

I Don’t Budget, And It’s Ok

Posted on September 5, 2016February 3, 2017by Kara

This may come as a shock to some of my newer readers, but I actually do not budget. I generally live my life on frugal autopilot- I just avoiding spending money. At this point, I’ve been doing this frugal living thing for two years, and I’ve optimized my life to save as much as possible. […]

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  • Personal Finance

Battles Against My Bad Habits

Posted on August 10, 2016September 7, 2016by Kara

I’ll be the first to say it: I am not perfect. I know that my blog may have led you to believe otherwise, but it’s true. I am a mere mortal, and I often lose the battles against my bad habits. I’ve been trying harder to beat them recently. Being a freelancer means that I […]

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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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