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

money psychology

  • Personal Finance

Abundance and Scarcity Lessons

Posted on June 28, 2022June 25, 2022by Kathryn Vercillo
Abundance and Scarcity Lessons

I’m constantly trying to figure out where I land on the abundance/scarcity spectrum. Basically, I want to be someone who believes in abundance. I want to believe that if I do the work I’m supposed to do in the world with all of the right intentions, I will always have what I need. However, due […]

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    • Personal Finance

Learning to Ask For Financial Help

Posted on November 23, 2021by Kathryn Vercillo
ask for financial help

I’ve never found it easy to talk about money. Most of us have some kind of issues with this in the American culture, although those issues vary widely depending on your personal financial psychology. For myself, I’ve mostly just dealt with all of my money all on my own forever. However, I’m learning how to […]

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  • Frugal Tips

Can Eating the Same Meal Every Day Make You Rich?

Posted on October 6, 2021by Kathryn Vercillo
Eating the same meal every day

What would you say if someone tod you that they were eating the same meal every day? If you’re anything like me, then you would ask why. I’d probably assume it had to do with dietary restrictions. However, it turns out that’s not the only benefit or reason. Rocco Pendola of Making of a Millionaire started […]

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  • Education

My Five Money Challenges

Posted on August 24, 2021August 10, 2021by Kathryn Vercillo
money problems

A couple of weeks ago, I shared with you what I was learning about My Childhood Money Classrooms from Rachel Cruze’s book “Know Yourself Know Your Money.” I revealed that the way I grew up was a combination of her Anxious and Unstable classrooms. If you read that post, you’ll know that means that the […]

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  • Education

Learning My Money Mindset

Posted on August 10, 2021August 10, 2021by Kathryn Vercillo
Money Mindset

Recently I’ve been reading Rachel Cruze’s book “Know Yourself Know Your Money.” If you’re not familiar with her, she’s money guru Dave Ramsay’s daughter. Plus she’s a finance professional in her own right with tons of great advice and information. At the beginning of the book, she discusses your money mindset as established by your […]

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    • Personal Finance

Does Paying for Something Make You More or Less Likely to Show Up?

Posted on February 17, 2021by Kathryn Vercillo
Does Paying for Something Make You More or Less Likely to Show Up?

One of the best ways to get a grip on your money is to enhance your self-understanding. After all, we each deal with money differently. For example, when you pay for something, do you feel more obligated or less obligated to show up for it? I’m the kind of person who feels less obligated, therefore […]

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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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