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

save money on pets

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Things I Upcycle Into Dog Toys

Posted on April 5, 2022by Kathryn Vercillo
Things I Upcycle Into Dog Toys

I always joke that my dog is in charge of the recyclables in my home. This started with my previous dog. She loved to wake up every morning and walk over to the recycling bin to see what fun stuff might be in there for her to chew up. So, I started paying close attention […]

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How To Become a Frugal Pet Owner

Posted on May 4, 2021June 19, 2021by Kathryn Vercillo

I’m the first to admit that I spend A LOT of money on my pets. I like to buy them really good food. Plus, I’m a sucker for getting them lots of toys. Pets are definitely a big responsibility. However, there are steps you can take to become a frugal pet owner. What I Spend […]

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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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