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

student loans

  • Personal Finance

Givling App: Play Trivia, Win Money to Repay Mortgage or Student Loans

Posted on September 18, 2019September 10, 2019by Kathryn Vercillo

The Givling app has been around for a few years. However, in the last year or so, it’s really gained traction. More and more people are on their phones playing trivia. It’s promoted primarily as a “student loan repayment” app. However, you can also win money to repay your mortgage. So, if you have student […]

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  • Personal Finance

10 Tips to Pay Off Student Loans Quickly

Posted on July 3, 2019March 25, 2020by Kathryn Vercillo

You can pay off student loans quickly if you put your mind to it. Of course, you’ll have to make some sacrifices. Nevertheless, if you want to make sure that those loans aren’t hanging over your head for years to come then the sacrifices can be worth it. Here are ten strategies to pay off […]

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  • Personal Finance

Guest Post: Money Isn’t The Goal

Posted on October 3, 2016October 3, 2016by Kara

While I’m driving around the U.S, I’ve asked a few personal finance friends to share their wisdom. Today we have Taylor from The Freedom of Money. Taylor is talking about a topic that’s personal to me: knowing that you have enough. Conquering money fears is hard work, and Taylor is fighting the good fight.  KaraKara […]

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  • Personal Finance

I Don’t Budget, And It’s Ok

Posted on September 5, 2016February 3, 2017by Kara

This may come as a shock to some of my newer readers, but I actually do not budget. I generally live my life on frugal autopilot- I just avoiding spending money. At this point, I’ve been doing this frugal living thing for two years, and I’ve optimized my life to save as much as possible. […]

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  • Personal Finance

Present Bias And Debt: A Match Made in Hell

Posted on July 20, 2016February 5, 2017by Kara

A few weeks ago I was talking with a new college grad. I shared my journey out of debt with him, and stressed that the best thing he can do for himself now (at age 22) is to start paying down his own student loans.  He listened, very politely, to my story and agreed that […]

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  • Personal Finance

A Financial Guide to the Wild Personal Finance Blogosphere

Posted on July 15, 2016September 7, 2016by Kara

When I first got involved in the personal finance blogosphere I was binge reading blog posts. I couldn’t get enough of it all. I started with tips to pay down debt, and success stories of people who had reached debt freedom. I found MMM.  I was introduced to a whole new world, and I couldn’t […]

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  • Personal Finance

Reflections on One Year of Debt Freedom

Posted on June 16, 2016February 3, 2017by Kara

Life has been so busy that last week when my one year anniversary of debt freedom came, it also went pretty damn quick. I blinked and poof! It had passed me by. Still, June 5th 2015 was one of the most important days of my life.  Even though I’m eleven days late, I do want to take […]

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  • Personal Finance

Post-Debt Spending: How to Do it Right

Posted on February 25, 2016July 18, 2016by Kara

I’ve been debt free for almost nine months now. It’s a glorious place to be. No student loan payments hang over my head. I’m much more financially secure. I’ve stepped up my savings rate substantially. All these things are the direct result of paying off my debt. Navigating the world of post-debt spending has been […]

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  • Personal Finance

Turns Out I Saved 73% of My Income Last Year

Posted on February 18, 2016June 29, 2017by Kara

It’s been in the 80’s for the past week here in Austin. It feels like spring has sprung, even if the calendar still says February. While it’s not quite spring, it is tax season! I’ve finally got all my W2’s in hand, and so I calculated exactly how much I earned last year. I earned $32,242 before […]

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  • Personal Finance

I am Over My Lifestyle…But I Can’t Afford to Be

Posted on October 29, 2015by Kara

Whoa, it’s been a week since my last post. Sorry for the delay y’all! I’ve really been focusing on using my free time for true self-care activities. That means things like extra sleep, exercise, and listening to Adele’s ‘Hello’ on repeat. Blogging and reading my (very long) list of other people’s blogs didn’t make 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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