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

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  • Frugal Tips

Handmade Isn’t Always Cheaper

Posted on December 21, 2021December 10, 2021by Kathryn Vercillo
Handmade Knitting

I love creating handmade gifts for people. They obviously have a more personal touch than store-bought items. Moreover, I enjoy the creative experience they allow me. However, handmade isn’t always the cheapest option. It’s important to remember what I get out of it so I continue to see that it’s worth it anyway. Good Materials […]

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  • Frugal Tips

What I Got Cheap This Week

Posted on November 13, 2021November 14, 2021by Shay Huntley
What I Got Cheap This Week

The holidays are literally around the corner. Not only should we be getting our shopping underway, but we have so many more things to do. This week I’ve been focused on my upcoming vacations and holiday gift shopping. To help with both, I’ve been scouring the web for the best deals to save. Check out […]

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  • Personal Finance

Financial Goals for the Final Month of 2016

Posted on December 14, 2016December 13, 2016by Kara

The end 2016 is right around the corner. What a doozy of a year it’s been! (RIP Prince.) It’s easy to skip over December, with the holidays, traveling, and next year right in sight. I like to set financial goals not just for 2017, but for December itself. It’s the last month to wring something […]

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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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