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

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Health Coverage On The Cheap

Posted on August 13, 2022by Shay Huntley
Health Coverage On The Cheap

There are too many things that can go wrong in our lives with our mental health and our physical health. Everyone everywhere needs insurance, but it’s just too high! Some people get it through their jobs, and others pay out-of-pocket for insurance. But other people just can’t afford these luxuries out of pocket, nor are […]

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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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