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

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Frugal Ways To Save For College

Posted on May 21, 2022by Shay Huntley
Frugal Ways To Save For College

College is a huge expense for parents and students funding their education. It comes with a high price tag that only goes up as you achieve higher levels beyond undergrad. The cost of tuition and room and board can be a challenge for some to set aside. While it’s best to start saving early, not […]

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How to Get Started Saving For Your Future

Posted on May 29, 2021December 28, 2022by Shay Huntley
How to Get Started Saving For Your Future

Not everyone has the luxury of savings. Some people may not have been taught proper financial responsibility or how to save. Others may have a mountain of student loans or credit card debt that has racked up over the years. Many people want to save, but can’t dig themselves out of their financial hole. While […]

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Things You Can Do With Your Work Bonus

Posted on April 16, 2021April 19, 2021by Shay Huntley
Things You Can Do With Your Work Bonus

I hope everyone is having a fantastic week. This week was work evaluations and bonus distributions. It’s a nerve-wracking time, sitting through the evaluation hoping you have done everything right. For me, I did okay with only one area of improvement to address. While it shaved a couple of hundred dollars off my bonus, there […]

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Save While Dinning Out

Posted on January 9, 2021February 4, 2021by Shay Huntley
save while dining out

I love eating out. I like trying new dishes and the atmosphere of a restaurant. I’m also busy most days, so a quick meal I don’t have to put together sounds great. I will say that when you eat out a lot, a lot of money can get eaten up.  I could easily spend $500 […]

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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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Maximize Cashback Opportunities

Posted on September 19, 2020by Shay Huntley
Maximize Cashback Opportunities

We all shop, eat out and get gas. If you are a frugal shopper, you love to save. This week I have been looking at how to save more money. Im pretty good about stashing away my check, but wanted more opportunities to save on online purchases. There were a few things I needed to […]

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Sinking Fund Categories that Should be in Every Budget

Posted on June 5, 2020September 12, 2020by Susan Paige

We all have bills to pay. With bills, comes the responsibility to pay them off. Some bills, are debts that require premiums and interest payments that can drive up the cost and sometimes overwhelm you. When it comes to those sinking debts, you need to categorize them and pour extra funds into them. Here are […]

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    • Personal Finance

Millennials vs. Baby Boomers When It Comes To Money

Posted on May 22, 2019May 21, 2019by Kathryn Vercillo

Each generation is different from those that come before and after it. There are a lot of complicated reasons for that, of course. Put simply, though, society shapes us. Therefore, what we experience as we grow up tends to shape our behavior. This is particularly true when it comes to money. Of course, within each […]

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  • Life

What is Frugal Fatigue and How to Fight It

Posted on May 15, 2019by Kathryn Vercillo

There have been times in in my money-saving journey when I have caved in to frugal fatigue. Put simply, I got sick of living frugally. I got tired of doing the things I knew I should do to save money long-term. Therefore, I splurged. I busted my budget. It may have felt good momentarily but […]

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  • Life

Don’t Forget The Bridge Period if You Want To Retire Early

Posted on April 3, 2019April 2, 2019by Kathryn Vercillo

If you want to retire early, then you have to plan accordingly. Unless you happen to strike it super rich when you’re young, early retirement means that you have to take a long view of your financial future. One of the things that people often forget is to plan for the bridge period. What is […]

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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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