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

early retirement

  • Life

Don’t Forget The Bridge Period if You Want To Retire Early

Posted on April 3, 2019April 2, 2019by Kathryn Vercillo

If you want to retire early, then you have to plan accordingly. Unless you happen to strike it super rich when you’re young, early retirement means that you have to take a long view of your financial future. One of the things that people often forget is to plan for the bridge period. What is […]

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  • Life

The Best and Worst States to Retire Early

Posted on March 27, 2019March 24, 2019by Kathryn Vercillo

If you want to retire early, then you have to do a lot of planning. After all, you’ve got to anticipate a variety of factors about the future. Then you have to make a strategic plan that incorporates what you anticipate. One of the things that you have to take into consideration is where you […]

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  • Personal Finance

Early Retirement Facts vs. Fiction: Dispelling Some Money Myths

Posted on March 24, 2019by Kathryn Vercillo

It’s difficult to parse out the early retirement facts from the fiction or myths. After all, these days, it’s hard to even define what early retirement really means. There’s a big movement to retire early. FIRE (Financial Independence, Retire Early) has caught on. As it has, though, the writing around it has perpetuated certain myths. […]

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  • Personal Finance

FIRE for Noobs: The Happy Philosopher

Posted on October 14, 2016by Kara

I bet you thought I had abandoned my beloved FIRE series. Not so my friends! Today I’m delighted to bring another post to the series from The Happy Philosopher. Our philosopher is also a doctor who faced down the burn out beast and turned to FIRE as his solution. Now he works part time, is […]

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  • Personal Finance

FIRE Advice for Noobs: The Resume Gap

Posted on May 2, 2016February 5, 2017by Kara

I’ve got another great post in this series today everyone! Matt from The Resume Gap is here today to share his journey to FIRE. To new readers: this is an interview series with people are close to or have already achieved FIRE (Financial Independence Retire Early). It’s a goal of my own, but I’m just […]

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  • Personal Finance

FIRE Advice for Noobs: Slowly Sipping Coffee

Posted on March 17, 2016February 4, 2017by Kara

Today I’m excited to bring another interview in my FIRE for Noobs series to the blog. The family over at Slowly Sipping Coffee is here sharing their path to early retirement. Mr. and Mrs. SSC are different from my first two posters, Our Next Life and ThinkSaveRetire in that they have children. I was super […]

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  • Personal Finance

FIRE Advice for Noobs: Our Next Life

Posted on February 22, 2016July 18, 2016by Kara

Today I’m excited to announce the second post in my new series, FIRE Advice for Noobs! As a noob myself, I know I have a lot to learn on this journey to FIRE. I’ve asked a few friends who are thisclose to early retirement for some tips and pointers for those of us who are just beginning […]

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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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  • Personal Finance

I Have a Positive Net Worth!

Posted on May 20, 2015by Kara

Never in my life has this been the case. Growing up I never had more than $500 to my name and I always spent it. And once I got to college, forget about it. I got into the red even though I worked all throughout college, simply because of my loans. Today I am thrilled to report […]

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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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