Frugal Americans publishes practical guides on spending less and keeping more: what to buy, what to skip, which bills to negotiate and how to make a fixed income go further. This page explains how we choose topics, how our guides are written and checked, and how we keep them current.
What we cover
Our guides are shelved in three sections, which we call aisles.
- Shopping: groceries, pharmacy items, holiday gifts, store brands, discounts and the purchases worth paying extra for.
- Budgeting: spending plans, bills you can negotiate, fixed-income living, healthcare costs and money conversations.
- Household: heating and utilities, pantry staples, home equity, donations and everyday products.
Many of our readers are retired or close to it, so we pay particular attention to senior discounts, fixed incomes and the costs that rise with age.
How we choose topics
We start from the questions readers ask and the decisions they face at the store, at the kitchen table and at bill time. Seasonal moments such as holiday shopping, winter heating and back-to-school drive part of our calendar.
No advertiser chooses or approves what we write.
How our guides are written
Our guides are written with AI assistance and reviewed by our editorial team before publication. AI tools help us research, outline and draft; they do not decide what we publish.
An editor checks every guide for accuracy, clarity and usefulness, rewrites what needs rewriting and removes anything we cannot support. A guide is published only when an editor approves it.
Sources and fact-checking
We rely on primary and authoritative sources wherever we can. These include retailer policies and price lists, consumer-protection agencies such as the Federal Trade Commission and the Consumer Financial Protection Bureau, government programs such as Medicare and Social Security, and independent testing organizations.
When a guide states a figure, such as a price, a discount, an income limit or a percentage, we check it against a source before publication. We link to sources so you can check them too.
Prices change
Prices, coupons, store policies and program rules change often, sometimes weekly. Every guide shows the date it was published or last updated.
Treat the numbers in a guide as a snapshot from that date, and confirm the current price or rule with the retailer or agency before you act.
Updates and corrections
We review guides when prices, policies or rules change, and we update them rather than leave outdated advice online. When an update changes the substance of a guide, the date on the guide changes too.
If you spot an error, an outdated price or a broken link, please tell us through our contact page or at info@ineditagency.com. We read every message and correct confirmed errors promptly.
Independence from advertising
Frugal Americans is supported by advertising and, on some pages, affiliate links. Advertising and editorial are kept separate: ads are labelled, and affiliate relationships never decide which products we recommend.
Our Advertiser Disclosure explains how the site is funded.
Not personal financial advice
Our guides are general information for educational purposes. They are not personal financial, legal, tax or medical advice, and they cannot take your own circumstances into account.
For decisions about your own finances, talk to a qualified professional. See our Disclaimer for more.
Who publishes this site
Frugal Americans is published by Inedit Agency, based in Bucharest, Romania. Questions about this policy can be sent to info@ineditagency.com.