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

budget

  • Frugal Tips

Wanna Be Frugal?

Posted on June 24, 2022June 25, 2022by Shay Huntley
Wanna Be Frugal?

Frugality is an art not everyone has mastered. It takes true patience and skills to implement it into your life. If you have frequently overspent, engored yourself in material things, and need a reality check, it could be something to ascribe to. If you wanna be frugal, here are a few tips for you. Shay […]

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  • Personal Finance

How February’s Budget Went Awry And What I Did to Navigate It

Posted on March 1, 2022by Kathryn Vercillo
How February's Budget Went Awry And What I Did to Navigate It

One month ago today, I shared with you my plan for February’s budget. Unfortunately, things went awry. Emergencies happen. That’s why it’s important to have an emergency fund as well as contingency plans for when financial plans don’t go as expected. What Went Right With February’s Budget Not everything went wild when it came to […]

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  • Personal Finance

How To Create a List for Your Guiltless Spending

Posted on January 29, 2022by Shay Huntley
List for Guiltless Spending

Let’s face it, most of us don’t like a budget. We feel like it’s a constraint on our money and lives. It can be challenging to follow. It’s also strict, demands our attention, and holds us accountable for our financial decisions. Even though it can be daunting, it’s a very useful tool to have. While […]

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  • Frugal Tips

Preparing for the Holidays

Posted on September 4, 2021by Shay Huntley
Preparing for the Holidays

There are a few holidays left in the year. Aside from my birthday, there is Halloween, Thanksgiving, Christmas, and New Year. So many holidays run closely together. Aside from the food, you have to purchase decorations and gifts. Besides planning, a lot of money goes into getting repaired for the holidays. Find some ways to […]

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  • Personal Finance
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How to Get Started Saving For Your Future

Posted on May 29, 2021December 28, 2022by Shay Huntley
How to Get Started Saving For Your Future

Not everyone has the luxury of savings. Some people may not have been taught proper financial responsibility or how to save. Others may have a mountain of student loans or credit card debt that has racked up over the years. Many people want to save, but can’t dig themselves out of their financial hole. While […]

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  • Frugal Tips
  • ...
    • Life

Reducing My Food Spending to Save Money

Posted on March 16, 2021March 6, 2021by Kathryn Vercillo
reduce food spending

I recently reviewed my spending for the first couple of months of the year. Usually, I do this monthly. However, I had let things slide. Upon review, I immediately noticed that I must significantly reduce my food spending if I want to save money. When Food Gets Emotional Things got out of control with my […]

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  • Frugal Tips
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    • Life
    • Uncategorized

Sinking Fund Categories that Should be in Every Budget

Posted on June 5, 2020September 12, 2020by Susan Paige

We all have bills to pay. With bills, comes the responsibility to pay them off. Some bills, are debts that require premiums and interest payments that can drive up the cost and sometimes overwhelm you. When it comes to those sinking debts, you need to categorize them and pour extra funds into them. Here are […]

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  • Frugal Tips
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    • Personal Finance

Why Do I Spend So Much Money on Food?

Posted on May 26, 2020May 21, 2020by Kathryn Vercillo

I spend so much money on food. Other than my rent, it’s the biggest chunk of my monthly budget. If I lived somewhere with cheaper rents (rather than in pricey San Francisco), I might actually spend more money on food than on rent. It’s something I’m constantly battling with. So, I’ve decided to get real […]

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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

Here’s How I Spent $68 on Food in January

Posted on February 8, 2016August 13, 2019by Kara

Move over Beyonce. Last week it was I who broke the internet! I sent out a tweet last week that read “Going over my mint budgets today. I spent $43 on #groceries this month, $25 on two meals out. $68 total on #food for the whole month. wowza” That’s right. I spent $68 on food total last […]

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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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