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

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  • Life

How to Be Productive While Driving

Posted on October 6, 2020by Kathryn Vercillo
Productive While Driving

Do you have to spend a lot of time in your car? Maybe you have a long daily commute. Or perhaps you drive your children around to a lot of activities. Or maybe you find yourself on road trips on a regular basis. Whatever the reason, you can make that time useful for you. You […]

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  • Personal Finance

To Be Frugal, You Need Time

Posted on July 25, 2016September 7, 2016by Kara

As those of you who follow me on Twitter may know, I had some car troubles last week. (Cars are annoying and expensive, and I can’t wait to get rid of mine someday.) My car simply shut down in the middle of traffic on three different occasions last week. Twice on the highway! Anytime something […]

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  • Personal Finance

How (And Why) I spent $1,200 This Week

Posted on January 26, 2016February 3, 2017by Kara

Holy smokes. I just went on a spending spree y’all! One of truly epic proportions. In less than a week I spent the equivalent of an entire month’s living expenses. $1,200 to be exact. I’m sure most of you out there are wondering if I’ve lost my damn mind. How could I spend so much, […]

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  • Personal Finance

Unexpected Expenses

Posted on December 24, 2014February 4, 2017by Kara

It happened to me. Even though I try so hard to decrease my risk of unexpected expenses, this one found me. I was dropping my roommate off at the airport when my car’s check engine light came on. My heart sank immediately. Three thoughts raced through my head: 1) I need my car! 2) If it […]

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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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