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

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3 Myths of Ownership That Are Stealing My Money

Posted on May 17, 2022June 2, 2022by Kathryn Vercillo
Myths of Ownership

A couple of weeks ago, I shared some thoughts with you from Courtney Carver’s book “Soulful Simplicity.” In this book, she also talks about common myths of ownership. These are things we mistakenly believe that lead us to buy things that we don’t need. When we do, we often waste money, end up in debt, […]

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    • Personal Finance

Smart Financial Tips From Swedish Death Cleaning

Posted on February 8, 2022February 3, 2022by Kathryn Vercillo
Swedish Death Cleaning

I finally got a chance to sit down and read Margareta Magnusson’s book, “The Gentle Art of Swedish Death Cleaning.” It’s been a few years since the book peaked in popularity. However, I had set it aside at the time and then time passed as time does. When I finally read it, I saw that […]

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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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