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

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  • Personal Finance

What To Do When Everything Is The Worst

Posted on November 9, 2016March 27, 2017by Kara

Trump got elected. We all woke up today and realized that a year of fear mongering and bigoted speeches worked. American politics took a turn that I never thought possible. To everyone who finds their way here I say this: today is a sad day for the United States. For possibly the first time in […]

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  • Personal Finance

A Rainy Morning of Restoration

Posted on October 22, 2015by Kara

Today is a rare rainy day in Austin. It’s cloudy and overcast. The light is dim and the world is grey. Some people find this weather disheartening but it has the exact opposite effect on me. Since rain is so infrequent here I cherish these days when they come around. I feel restored by the […]

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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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