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

spending money

  • Frugal Tips

Handmade Isn’t Always Cheaper

Posted on December 21, 2021December 10, 2021by Kathryn Vercillo
Handmade Knitting

I love creating handmade gifts for people. They obviously have a more personal touch than store-bought items. Moreover, I enjoy the creative experience they allow me. However, handmade isn’t always the cheapest option. It’s important to remember what I get out of it so I continue to see that it’s worth it anyway. Good Materials […]

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  • Personal Finance

Should You Get an Amazon Prime Account for Prime Day?

Posted on July 10, 2019by Kathryn Vercillo

I had an Amazon Prime account for years. I was a student when I got it, which meant that I was able to get it at a deep discount. However, when it came time to renew the account this past year, I opted not to do so. Therefore, I have to think carefully about whether […]

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  • Life

10 Ways to Increase Joy Without Spending Money

Posted on November 2, 2018by Kathryn Vercillo

You can increase joy in your life without spending any money. In fact, spending money on material things often takes us away from the things that give us the most joy in life. Here are 10 tips for finding happiness and increasing joy that won’t cost you. Joyful: A Book on How to Increase Joy […]

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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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