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

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3 Myths of Ownership That Are Stealing My Money

Posted on May 17, 2022June 2, 2022by Kathryn Vercillo
Myths of Ownership

A couple of weeks ago, I shared some thoughts with you from Courtney Carver’s book “Soulful Simplicity.” In this book, she also talks about common myths of ownership. These are things we mistakenly believe that lead us to buy things that we don’t need. When we do, we often waste money, end up in debt, […]

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  • Frugal Tips

How Dry Ice Can Save You Money

Posted on November 5, 2021November 6, 2021by Shay Huntley
Dry Ice Can Save You Money

With the influx of superstorms across the United States, we can expect turbulent weather, devastation, and power outages. Where I live, we have had numerous tornadoes rip through town and have had lots of severe weather take down trees and powerlines, cutting thousands off from the electric grid. In the last tornado, some homes were […]

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  • Frugal Tips

How To Save Money on Razor Blades

Posted on October 20, 2021by Kathryn Vercillo
save money on razor blades

I used to spend a lot of money on shaving supplies. After all, it took me a long time to find razors that worked well with my skin. Therefore, I stuck to those razors for a long time. However, I didn’t want to spend a fortune on shaving forever. It’s just not the most important […]

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  • Life

Am I Hooked on Brand Name Tech?

Posted on May 11, 2021May 12, 2021by Kathryn Vercillo
am I hooked on brand name tech?

I don’t consider myself to be someone who cares about brand name tech. After all, my clothes are all secondhand. I never check the name on the label when I purchase them. I’m totally comfortable getting the store brand of things like over-the-counter medication. I don’t believe in paying more for a brand name. And […]

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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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    • Personal Finance

Back to the Basics with 2021 Financial Goals

Posted on December 22, 2020by Kathryn Vercillo
2021 financial goals

Every year, I take the time to review the past year and look forward to the new year. I set a variety of different types of goals, including financial goals. In many recent years, those financial goals have been ambitious. However, this year I have to go back to the basics. Overarching Goal: Earn More […]

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  • Frugal Tips

7 Tips On How to Dress For Less

Posted on December 15, 2020by Kathryn Vercillo
Dressing for the Weather

Dressing for the weather often means putting on a lot of layers. Of course, each layer that you add cost you something. The more layers that you need to stay warm, the more you might have to spend on clothes. Here are 7 tips on how to dress for less money, even when dressing for […]

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5 Frugal Things to Do Every Day

Posted on December 8, 2020December 9, 2020by Kathryn Vercillo
frugal things to do

If you do five frugal things every single day, then you set yourself up for financial success. But what are the right frugal things to do? Of course, there are many large, sweeping actions that you can take when living a frugal lifestyle. For example, if you choose alternative housing, then you can significantly cut […]

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    • Life

What is the Difference Between Being Frugal and Thrifty?

Posted on October 24, 2020by Shay Huntley
Thrifty vs Frugal

When you go out to shop, do you find yourself penny pitching? Are you budget-conscious when picking out items to buy, or do sacrifice quality for price? We all like to save money on shopping trips. With that being said, some of us can take it to the extreme of savings, while others not so […]

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10 Household Products You Can Create Yourself to Save Money

Posted on September 22, 2020September 23, 2020by Kathryn Vercillo
Products You Can Create Yourself

  Most of us are accustomed to going to the store to purchase everything we need for the home. Maybe instead you order online and have the items delivered to your door. Either way, someone far away creates the items you use in your home. But there are so many products you can create yourself […]

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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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