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

FIRE

  • 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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  • 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

Cfiresim Review: The Crowdsourced FIRE Simulator

Posted on May 15, 2017by Kara

It’s no secret that FIRE (financial independence/retire early) is a goal of mine. When it comes to planning it, retirement calculators are a super helpful tool. Usually, retirement calculators focus on the individual’s savings and spending plan- aka their budget. There’s a new retirement calculator on the block, and it wants nothing to do with your […]

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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

Why Financial Independence is Absolutely Right For Me

Posted on March 14, 2016July 18, 2016by Kara

I am freshly home from the best vacation of my life. My Instagram and Twitter followers will know that I spent Wednesday-Sunday in Jackson Hole, Wyoming. I joined a friends family vacation, and had a blast. Jackson Hole was no ordinary trip. Frugal was not in the vocabulary of the weekend. I paid for my […]

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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

FIRE Advice for Noobs: Steve from ThinkSaveRetire

Posted on February 11, 2016July 18, 2016by Kara

Do you have a dream? A numero uno, want it so bad you can taste it, dream? Mine is to reach FIRE. I want to truly own my time and money. I don’t want to have to depend on a job for my income, and I don’t want to spend my days doing something I […]

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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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