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

Christmas

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How To Be Frugal but Not Cheap on Christmas

Posted on November 16, 2021by Kathryn Vercillo
Frugal but Not Cheap on Christmas

Frugality is a wonderful thing. It allows you to live within your means, thereby reducing stress. Moreover, it allows you to focus on the things that really matter in life. However, there’s a difference between frugality and being cheap or stingy. You don’t want to go overboard at Christmas, for example. However, you also don’t […]

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Last Minute Frugal Christmas Tips

Posted on December 21, 2018by Kathryn Vercillo

Every year I plan to have a frugal Christmas. I set my budget. I schedule inexpensive activities. Nevertheless, a few days before the holiday hits, I feel a bit of a panic. If I’m not careful, this can lead to last-minute spending that busts the budget and ruins my intentions. It never feels good when […]

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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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