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

Housing

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How to Apply for Affordable Housing

Posted on July 28, 2020July 24, 2020by Kathryn Vercillo

  The COVID-19 pandemic has put many people into a low-income position that they’ve never been in before. As a result, an increasing number of people want to know how to apply for affordable housing. If you already having a rental house, then you might be able to take advantage of pandemic rent moratoriums. However, […]

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    • Tiny Homes

How to Build a Cheap House

Posted on July 16, 2020by Kathryn Vercillo

Having been both a renter and a home owner, I can see the pros and cons to both options. One of the biggest pros to owning is that you feel more secure. You have something to call your own. Of course, if you’re drowning in debt trying to pay the mortgage, it will eat at […]

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  • Personal Finance

How You Can Negotiate Cheaper Rent For Yourself

Posted on March 12, 2018March 7, 2018by Kara

Take a look at your monthly expenses; I bet rent is one of the highest items on the list. We all need a place to live, and it doesn’t always come cheap. What do you do if your rent goes up but you love where you live? Are landlords the ones holding all the power? […]

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  • Personal Finance

Good News in a Sellers’ Market: Crowdfund Home Down Payments

Posted on February 26, 2018February 26, 2018by Kara

Now you can crowdfund home down payments– something that only became possible over the past year or so. KaraKara Perez is the original founder of From Frugal To Free. She is a money expert, speaker and founder of Bravely Go, a feminist financial education company. Her work has been featured on NPR, Business Insider, Forbes, […]

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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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