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

habits

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Habits You Can Immediately Quit to Save Money

Posted on August 14, 2021by Shay Huntley
habits to quit to save money

We all have bad habits. Such habits vary from person to person. For me, it’s not taking enough time to ensure my home is clean and in tip-top shape and leaving losing my keys every day. For others, it could be eating unhealthy foods, biting their nails, or even smoking. One major source of bad […]

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  • Personal Finance

Old Money Habits You Should Change Now 

Posted on June 5, 2021July 2, 2021by Shay Huntley
Old Money Habits

Payday was just around the corner, and that money may be heavy in your pocket and on your mind. Hopefully, some of the money was spent on bills and groceries, and you have a little left for yourself. While we all make money, we do not all spend it wisely. Have you heard the saying, […]

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    • Personal Finance

Millennials vs. Baby Boomers When It Comes To Money

Posted on May 22, 2019May 21, 2019by Kathryn Vercillo

Each generation is different from those that come before and after it. There are a lot of complicated reasons for that, of course. Put simply, though, society shapes us. Therefore, what we experience as we grow up tends to shape our behavior. This is particularly true when it comes to money. Of course, within each […]

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  • Personal Finance

7 Things You Could Have Done With That Bar Tab

Posted on January 5, 2015by Kara

Here in Austin, drinks are pretty cheap. Most drinks in dive bars are between $2-$4. If you want a fancier bar or liquor that’s not well, it’ll usually run you between $5-$10. The really nice places have $13 drinks, but who can afford the really nice places? I’m not doing much drinking these days but there […]

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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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