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

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Membership Stores That Offer One Time Pass

Posted on June 29, 2021July 2, 2021by Kathryn Vercillo
Membership Stores That Offer One Time Pass

There are a lot of great membership stores that you might be interested in using to get great deals. However, you don’t want to sign up for a full membership before you know whether or not it’ll be worth it. So, it’s smart to look for membership stores that offer one time pass. That way […]

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  • Frugal Tips

What Are the Perks of Being a Costco Executive Member

Posted on April 7, 2021April 14, 2021by Kathryn Vercillo
What Are the Perks of Being a Costco Executive Member

There are different membership levels at Costco. Of course, with higher levels, you get more rewards. However, you also pay a higher annual fee. So, is it worth it to pay more for the perks of being a Costco Executive Member? Here’s what it’s all about. Types of Costco Membership There are two main types […]

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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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