phroogal | Smile Money
@phroogal
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We’re frugal, not cheap. Helping you live financially well. Access articles, guides & marketplace to find the best financial apps ⬇️
USA
Joined May 2012
Thanks #creditchat community! See you next time. Feel free to connect with us and check out the resources @jasonvitug has created on
phroogal.com
phroogal is your financial wellness marketplace—discover top money tools, apps, and resources to help you live well and take control of your finances.
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A10. We love hearing about your wins—big or small! From paying off a credit card to creating a mindful money habit, every step forward is a celebration. 🎉 #CreditChat #MoneyWins @Experian.
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A9. Set reminders. Journal your wins. Track progress monthly. Better yet—join a community that supports your goals and cheers you on. #CreditChat #MoneyAccountability @Experian.
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Get clear on your values. It will help you set the best goal aligned with what matters most to you 👇 #creditchat.
A8. Get clear on what is most important to you, then review your spending to see if your money is actually going toward what is important or taking you further away from reaching goals that align with your lifestyle priorities. #CreditChat.
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A8. Start with your “why.” Then create goals that support the life you want to live. When your money aligns with your values, every dollar brings joy. #CreditChat #ValueBasedSpending @Experian.
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A7. Save for experiences, not just expenses. Try a digital detox week, build a giving fund, or take a solo budget retreat to realign with your financial vision. #CreditChat #LiveWell @Experian.
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Give yourself grace. Then pause, reassess, and set new goals based on where you are now. Progress isn’t always linear, but every restart counts. #CreditChat #FreshStart @Experian.
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Support your wellbeing by having an emergency fund 👇#creditchat.
@Experian A5: Safeguard yourself from unexpected expenses with your emergency fund. Set aside a little each month into a high-yield account so surprise expenses don’t become full-on crises. A prepared plan beats panic every time. #CreditChat.
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Life throws curveballs—car repairs, health bills, income dips. The safeguard? Emergency funds, insurance, and flexibility in your spending plan. #CreditChat #PlanAhead @Experian.
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RT @JasonVitug: A4. I do have one IMPORTANT rule for AI. Please do not upload your personal financial information like bank statements, cre….
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A4. AI can help you budget smarter, find spending leaks, and suggest ways to grow your money. The right tech makes financial wellness easier—and way less stressful. #CreditChat @Experian.
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A3. Automation makes saving and bill-paying effortless. It turns good habits into a default setting, so you stay on track even when life gets busy. #CreditChat #MoneyHacks @Experian.
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RT @Jennifer_Wwhite: A2. A couple of solid goals to consider for the second half of the year might be building up your emergency fund for a….
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RT @Kembala: @JasonVitug @Experian Reflection is a great way to see what's working and what's not. Sometimes it leads to meaningful change.….
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A2. Set a goal to automate your savings—even $10/week. Consistency builds momentum, and small steps lead to big results. Future you will thank you. #CreditChat #FinancialWellness @Experian.
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A1. Think of a mid-year check-in like a GPS reroute. Review goals, adjust your budget, celebrate progress, and make changes if needed. It’s never too late to get back on track. #CreditChat #SmileMoney @Experian.
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RT @JasonVitug: Don’t miss tomorrow’s #CreditChat about performing a mid-year money check-in. I am joining @Experian.@CreditScoop, @phrooga….
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RT @RunnymedeCap: Retirement Wellness and Financial Planning: Nurturing Wholeness in Life's New Phase | @inspiredmoneyfm @christine_benz @M….
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RT @JasonVitug: Looking to forward to #creditchat after my months long social media break. Join us on Wed., July 16 at 3p ET with @Experia….
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