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

italy

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Booking Flights to Italy for Fall 2022

Posted on June 8, 2022by Kathryn Vercillo
Booking Flights to Italy for Fall 2022

My partner and I have been talking about taking a trip to Italy for a little while now. Various actors finally aligned so I spent today booking flights to Italy for Fall 2022. Since it’s been awhile since I’ve booked international travel, I had forgotten how many factors there are to consider. Where to Travel […]

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  • Personal Finance

Why I Don’t Have a Credit Card

Posted on December 21, 2014February 4, 2017by Kara

Last fall I paid my last monthly credit card statement and then closed the account. I had had the card for three years and used it to pay for a trip to England and Ireland, to fill my gas tank and to finance many a bar tab. But all that is behind me! I cut […]

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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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