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

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10 Ways to Increase Joy Without Spending Money

Posted on November 2, 2018by Kathryn Vercillo

You can increase joy in your life without spending any money. In fact, spending money on material things often takes us away from the things that give us the most joy in life. Here are 10 tips for finding happiness and increasing joy that won’t cost you. Joyful: A Book on How to Increase Joy […]

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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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