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

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  • Frugal Tips

Late Night Gift Shopping

Posted on December 23, 2022by Shay Huntley
Late Night Gift Shopping

Christmas is only three days away. I know some of you are still out there trying to get your late-night, last-minute shop on. It’s OK. There is still time. But if you find yourself in a crunch and can’t get to the store until late at night, here are a few late-night gift shopping places […]

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  • Life

The Value of Time or Money: What’s Important During the Holidays?

Posted on November 30, 2018by Kathryn Vercillo

When it comes to the value of time or money, we’re often asked  which is more important. But your answer might depend on certain circumstances. For instance, is it different during the holidays? The Value of Time and Money: Which is Worth More? Many people value their time more than their money. However, when time […]

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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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