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Frugal Chic®

Mia McGrath | Frugal Chic®
Hundreds of paid subscribers

Frugal Chic® is about building wealth in your 20s without overconsuming your way there. I write about money, investing, financial independence, and living luxuriously while spending intentionally.

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Substack
PricingFreemiumPublishesWeekly
Issues82Foundeda year agoLast Issue8 days ago
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Latest Issues

The Frugal Chic® Low Buy Year Log

Frugal Chic® 81: What I paid, how many times I've worn it, the two I regret, and the log to run your own low-buy year.

In January I gave myself a rule: I will only buy 12 items in 2026. One item per month if I wanted it, and only ever the...

8 days ago
18
1
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The timeless autumn wardrobe

Every September the same thing happens. The weather turns, the shops go brown and burgundy, and somewhere between the first cold morning and the first pumpkin spice advert you become convinced that nothing you own is right for autumn.

It i...

11 days ago
101
5

The Enough Line: How much is actually enough?

Frugal Chic® 79: The studies, the trap, the three sums, and my own numbers.

Ask someone how much money would be enough and you’ll get the same answer almost every time: “A bit more than I’ve got.”

15 days ago
48
1
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Financial lock-in: Frugal Chic autumn (2026 edition)

Every September the same thing happens. The shops start putting out Christmas stock, everyone complains it’s too early but quietly grows their Christmas Wishlist and then nobody does anything about it until mid December.

Here’s the thing:...

18 days ago
152
7

The Frugal Chic® Money Hour: the exact 60 minutes I spend on my finances each month

Frugal Chic® 77: My salary, my dividends, my accounts, the tracker, and how I pay myself as a company director

I usually check my money once a month, for an hour. The rest of the time I leave it alone.

22 days ago
10
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  • Mia McGrath | Frugal Chic®

    Frugal Chic®: The blueprint for women who want more money, better taste and real independence - featured in Vogue.

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