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

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  • Life

Renting an Apartment Through Zumper (Pros and Cons)

Posted on September 30, 2020by Kathryn Vercillo
zumper

As rents in San Francisco have started to decline for the first time in at least the fifteen years that I’ve lived here, I’ve begun to look into options for renting a new apartment. I’m not necessarily going to move, but I’m considering it. And because I’m the type of person who likes to get […]

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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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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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