Last updated: October 28, 2026
These Terms of Use govern your use of frugaljournal.com (“Frugal Journal,” “we,” “us”). Frugal Journal is a budgeting and frugal living publication. If you use the site, you agree to these terms and to any laws that apply to you. If you don’t agree, please stop using the site.
Who can use the site
You must be at least 18 years old to use this site. If you’re under 18, ask a parent or guardian to read along with you.
What the site is
Frugal Journal publishes free guides, ideas, and printable tools about saving money, budgeting, and low cost living. It is general information. It is not personal advice. Read our Disclaimer before you rely on anything here.
Personal use license
We give you a limited, nonexclusive, nontransferable license to read and print the content for your own personal, noncommercial use. This license doesn’t transfer ownership of anything to you.
What you can’t do
- Copy, republish, or sell our content, images, or printables
- Use our content for commercial purposes without written permission
- Scrape or harvest the site, or use bots to copy it at scale
- Frame or mirror the site on another site
- Remove copyright or credit notices
- Try to reverse engineer, hack, or disrupt the site
- Break any law while using the site
You may share a link to any page. You may share one of our Pinterest pins or use the Save button on our images. If you want to quote us, quote a short excerpt and link back to the original page.
Intellectual property
The text, design, logo, graphics, and printables on this site belong to Frugal Journal or its licensors. They are protected by U.S. and international copyright and trademark law. Images from other creators stay the property of those creators. See our AI and Image Policy and Copyright and DMCA page.
Comments and messages
Comments are turned off. If you send us a message or a suggestion, you give us a nonexclusive, royalty free, worldwide right to use your idea to improve the site. We won’t publish your name or private details without asking you first.
Third party links
The site links to other websites. We don’t control them and don’t endorse everything on them. You use them at your own risk. We aren’t responsible for their content, offers, or privacy practices.
Affiliate links and ads
The site may include affiliate links and ads. We may earn money when you click or buy. Read the Affiliate and Advertising Disclosure for details.
No professional advice
Nothing on Frugal Journal is financial, tax, legal, medical, or nutrition advice. Talk to a licensed professional before you make decisions about your money, taxes, debt, health, or food. Examples and numbers in our guides are illustrations. Your results will differ.
Disclaimer of warranties
We provide the site and its content “as is” and “as available.” We make no promise that it is accurate, complete, current, or right for your situation. We make no promise that the site will always work or be free of errors or viruses.
Errors and changes
Our content may contain typing errors, outdated figures, or mistakes. We may change or remove content at any time. We try to correct errors quickly. See our Editorial Policy.
Limit of liability
To the fullest extent the law allows, Frugal Journal, its owner, and its contributors aren’t liable for any direct, indirect, incidental, special, or consequential damage that comes from using the site or from not being able to use it. That includes money you lose by following a guide. Some places don’t allow these limits, so they may not apply to you.
Indemnity
You agree to defend and hold harmless Frugal Journal and its owner from claims, losses, and costs that come from your misuse of the site or your breach of these terms.
Ending access
We may block or limit your access at any time, without notice, if you break these terms. Your license to use the site ends when we do.
Privacy
Your use of the site is also covered by our Privacy Policy.
Changes to these terms
We may update these terms. The date at the top will change when we do. If you keep using the site after that, you accept the new terms.
Governing law
These terms are governed by the laws of the State of New York, without regard to its conflict of law rules.
If part of these terms is invalid
If a court finds part of these terms can’t be enforced, the rest stays in force. These terms, together with the Privacy Policy and other notices on the site, are the whole agreement between you and us.
Events outside our control
We aren’t responsible for delays or failures caused by things outside our control, such as outages, natural disasters, or government action.
Contact
Questions about these terms? Email info@frugaljournal.com.