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

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  • Personal Finance

Pros and Cons of Using Affirm for Retail Financing

Posted on June 22, 2021by Kathryn Vercillo
Pros and Cons of Using Affirm for Retail Financing

I recently used Affirm to pay for a ThredUP purchase. Honestly, I’d kind of forgotten about this financing option. I had used it awhile back then didn’t have a reason to before now. Thinking it over, I see some pros and cons to Affirm for retail financing. However, overall, I’m happy with it. What is […]

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  • Personal Finance

Guest Post: A Frugal Person’s Intro to Travel Hacking

Posted on March 4, 2020January 31, 2022by Kara

While I’m driving around the U.S, I’ve asked some personal finance friends to share their wisdom. Today we’ve got The Frugal Vagabond  here to share his tips on travel hacking. Below is an incredible breakdown of how and why people use travel hacking to save big on travel. And send your congrats to our dear […]

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  • Personal Finance

What is the Easiest Way to Build Credit From Scratch?

Posted on December 20, 2019by Susan Paige

Approximately 21% of the American population has a credit score above 800, which is where you eventually want to be. This three-digit number talks a lot about our financial health. Why is it important to have a good credit score? A good credit score has many benefits like lower interest rates, quick loan approval, and […]

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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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