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

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Beyond Work-Life Balance: Work-Life Justice and Work-Life Fulfillment

Posted on June 11, 2019by Kathryn Vercillo

We have heard about the importance of work-life balance for decades. Everyone knows that they should try to achieve it. Most people don’t really know how. In fact, instead of a helpful, healthy thing to strive for, work-life balance has become an impossible goal we beat ourselves up for not reaching. However, it doesn’t have […]

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  • Frugal Tips

Urban Frugality: Save Money Commuting with Electric Scooters

Posted on April 5, 2019April 2, 2019by Kathryn Vercillo

I remember very clearly when electric scooters started showing up all over the streets of San Francisco. Several companies dropped them onto the streets around the same time. A few people loved them. They could save money commuting to work by using them. Alternatively, tourists could get around easily on them. Unlike Zipcar, they didn’t […]

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  • Personal Finance

9 Great Ways to Make Extra Money That Don’t Take Up Too Much Free Time

Posted on June 30, 2017November 13, 2019by Justin Weinger

What do you do if you need to earn extra cash but want to maintain your life/work balance? Well, the good news is that there are lots of ways to make a second income that do not take up too much of your spare time. Below we present you with you 9 great ways to […]

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  • Personal Finance

The Business of Starting a Business: Working From the Road

Posted on August 31, 2016September 7, 2016by Kara

One of the things that most drew me to freelancing was the freedom of it. Not only can I set my own hours, but I can work from anywhere that has an internet connection. I could be in a Parisian cafe, or holed up in an apartment in Buenos Aires, and I can still run […]

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  • Personal Finance

Battles Against My Bad Habits

Posted on August 10, 2016September 7, 2016by Kara

I’ll be the first to say it: I am not perfect. I know that my blog may have led you to believe otherwise, but it’s true. I am a mere mortal, and I often lose the battles against my bad habits. I’ve been trying harder to beat them recently. Being a freelancer means that I […]

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  • Personal Finance

An Awesome August Announcement!

Posted on August 3, 2016March 16, 2018by Kara

Happy August y’all! Do you like the alliteration in my title? 😉 We’re only three days in, but I am loving August so far. Yesterday I woke up with a smile on my face, enjoyed a quiet morning savoring my cup of coffee, and started work early. I got right into some nitty gritty aspects […]

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  • Personal Finance

June Spending and Life Plan

Posted on June 1, 2016July 11, 2016by Kara

Happy June! I love the start of a new month. June, in particular, has always heralded the start of summer for me personally. This June I’ve got big plans, financial and otherwise, and I can’t wait to share them. KaraKara Perez is the original founder of From Frugal To Free. She is a money expert, speaker […]

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  • Personal Finance

An Attempt at My Dream

Posted on May 17, 2016October 17, 2016by Kara

I’m a woman of many dreams. I spend a lot of my time thinking about all the things I want to do, the places I want to see, the people I want to meet. (Oprah, top of the list.) Possibility is like a drug to me. In so many ways, my life is full of […]

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  • Personal Finance

Design, Purpose, and Communication

Posted on April 26, 2016July 18, 2016by Kara

Happy Tuesday afternoon everyone! I’m holed up at a coffee shop, coming from a meeting for my non profit, heading to catering in an hour. It’s just another day of being stressed, and feeling resentful of my jobs. I’m closer every day to freelancing, but there’s a lot of time in between then and now, and […]

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  • Personal Finance

Learning to Work Smart, Not Hard

Posted on March 21, 2016July 18, 2016by Kara

On March 1st I tweeted ‘March is going to be a roller coaster. Right now it’s like “LOOK MA NO HANDS.” Two weeks in will be more like “i think I’m gonna be sick.’ Well, I’ve made it through the no hands part, but I’m still riding the ‘Am I gonna puke?” part. March is my […]

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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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