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

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  • Personal Finance

The Privilege I Have Despite Being Broke

Posted on May 30, 2016July 11, 2016by Kara

Privilege is a funny word. It gets thrown around a lot these days but few people I’ve met seem to really understand what it means. People seem to think privilege means ‘no problems ever!’ when in reality it means that you simply started out in a better place than some other people. It means certain […]

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Going After Your Biggest Dream

Posted on November 13, 2015by Kara

It’s been a week of deep thoughts over here in the ATX. I’ve been spending a lot of time planning an upcoming trip to Big Bend National Park with some friends, thinking about 2016 and calculating my income for 2015. As y’all know, I’ve been doing a lot of reflecting in general lately. Lots of […]

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  • Personal Finance

My Next Life: Series Share

Posted on September 18, 2015by Kara

One of my favorite blogs out there, ‘Our next Life’ has posted an open invite to piggyback off of one of their recent blog posts. ONL features an anonymous couple that plans to retire in 2017 at ages 38 and 41. They have it pretty meticulously planned out and I love their posts. Recently they […]

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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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