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

expenses

  • Personal Finance

Road Trip Update: My Car Sucks

Posted on October 13, 2016October 13, 2016by Kara

I planned my road trip for almost a year before I hit the road. I scouted out campsites, made dates with friends in far away cities, and bought a new camera so I could snap the best photos along the way. I snapped up bargain food deals, and socked away catering leftovers.  Most importantly, I […]

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  • Personal Finance

August Recap: Most Expensive Month of the Year

Posted on August 31, 2015June 4, 2016by Kara

August has been far and away the most expensive moth of the year for me. Even though I have stayed true to my leftover diet and free entertainment I have been hemorrhaging money this month. The hits just keep on coming! KaraKara Perez is the original founder of From Frugal To Free. She is a money expert, […]

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  • Personal Finance

A Rant on Unexpected Expenses

Posted on May 5, 2015February 3, 2017by Kara

If there is one thing in this wide world of ours that I hate, it’s unexpected expenses. Charges that come from out of left field and totally knock your budget and spending for a loop. Sometimes you can plan for them and of course you should have an emergency fund for the big things, but […]

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  • Personal Finance

Unexpected Expenses

Posted on December 24, 2014February 4, 2017by Kara

It happened to me. Even though I try so hard to decrease my risk of unexpected expenses, this one found me. I was dropping my roommate off at the airport when my car’s check engine light came on. My heart sank immediately. Three thoughts raced through my head: 1) I need my car! 2) If it […]

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  • Personal Finance

What to Do With Extra Money

Posted on December 17, 2014by Kara

Throughout the course of each month I track my ‘extra’ money. Money that doesn’t have a strict allocation like rent or food is what I consider my extra. For some people there is no such thing as extra money. These people use a zero sum budget, where you allocate every penny you bring in each […]

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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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