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

talking about money

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Learning to Ask For Financial Help

Posted on November 23, 2021by Kathryn Vercillo
ask for financial help

I’ve never found it easy to talk about money. Most of us have some kind of issues with this in the American culture, although those issues vary widely depending on your personal financial psychology. For myself, I’ve mostly just dealt with all of my money all on my own forever. However, I’m learning how to […]

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  • Education

Learning My Money Mindset

Posted on August 10, 2021August 10, 2021by Kathryn Vercillo
Money Mindset

Recently I’ve been reading Rachel Cruze’s book “Know Yourself Know Your Money.” If you’re not familiar with her, she’s money guru Dave Ramsay’s daughter. Plus she’s a finance professional in her own right with tons of great advice and information. At the beginning of the book, she discusses your money mindset as established by your […]

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  • Personal Finance

Money Is Still a Taboo Topic According to Harris Poll

Posted on August 6, 2019by Kathryn Vercillo

There’s a section in the book The Financial Diet that says that most people would rather talk about their most intimate sex acts than their finances. A July 2019 Harris Poll confirms that money is still a taboo topic of conversation. They surveyed more than 1000 people, age 22 and older, who have at least $10,000 […]

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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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