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

emergency fund

  • Personal Finance

How February’s Budget Went Awry And What I Did to Navigate It

Posted on March 1, 2022by Kathryn Vercillo
How February's Budget Went Awry And What I Did to Navigate It

One month ago today, I shared with you my plan for February’s budget. Unfortunately, things went awry. Emergencies happen. That’s why it’s important to have an emergency fund as well as contingency plans for when financial plans don’t go as expected. What Went Right With February’s Budget Not everything went wild when it came to […]

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  • Life

Financial Emergencies Always Lead Me To Bad Money Decisions

Posted on September 10, 2019by Kathryn Vercillo

Financial emergencies always send me into a mental tailspin. When things are going well in my life, or even just going ahead normally, I’m able to think clearly about money. I embrace an abundance mindset combined with strategic financial planning. However, financial emergencies always send me into a scarcity mindset. I start operating from fear […]

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  • Personal Finance

When You Feel Burned Out and Tired

Posted on October 15, 2015February 5, 2017by Kara

I’m having a tough day today. I’m feeling overworked, underpaid, deeply stressed and tired. October has been a busy month and there’s no slowing down. I have a friend coming into town tonight for four days, two catering events today and tomorrow, a huge project to be completed by tomorrow for my nonprofit and an […]

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  • Personal Finance

September Recap: Getting Back on Track

Posted on September 28, 2015September 2, 2016by Kara

September is already almost over. I really feel like this month was gone in an instant! That’s probably because I started the month with a wonderful vacation and haven’t been catering all month long. It’s felt so decadent to have both of my weekend days free! It’s also started to finally cool down a bit here […]

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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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