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Steve Cummings Journalist, Traveler, and Personal Finance Enthusiast

Steve Cummings is a traveler, writer, and personal finance enthusiasts that has taken an adventure to leave his home country to Travel and live around the world with his family. Through many years of learning he seeks to help those to save more and travel better. He has been featured in MSN, The Associate Press Wire, and various other content outlets with his writing and publications through his website The Frugal Expat. In the last six years, He has traveled to all seven continents, over 30 different countries, and has lived abroad learning and teaching others about good financial habits and travel hacks.

As an ex-English Teacher, he hopes to provide good tips and Education on Money and travel to help people think outside the box and achieve the impossible.

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15 Bucket List Items To Do While Visiting Greece &Raquo; Steve Picture Copy
15 Bucket List Items to Do While Visiting Greece

There are so many classic things to do and explore during a vacation to Greece! In fact, there are so many iconic sights and traditions, you may feel overwhelmed with how many you have to choose from.…

There are so many cl…

There are so many classic things to do and explore during a vacation to Greece! In fact, there are so many iconic sights and traditions, you may feel overwhelmed with how many you have to choose from. Don’t worry! In the list below, we’ve captured 15 things that you must do while in Greece! Take ... Read more

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More Travel Fees! 14 Destinations Where Tourists Pay More &Raquo; Steve Picture Copy
More Travel Fees! 14 Destinations Where Tourists Pay More

Tourism drives up revenue, providing funds for cities and countries that otherwise may suffer financially. However, tourism increases carbon footprint and foot traffic to the select country or city, d…

Tourism drives up re…

Tourism drives up revenue, providing funds for cities and countries that otherwise may suffer financially. However, tourism increases carbon footprint and foot traffic to the select country or city, driving up pollution and weathering the location. Different countries try to counteract the uptick in pollution and visitation with tourist fees to offset the damage. At ... Read more

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16 Items About To Get Pricier Due To Tariffs &Raquo; Steve Picture Copy
16 Items About To Get Pricier Due to Tariffs

Tariffs are taxes placed on imported items, meaning the cost to transport foreign goods becomes pricier, so customers turn to domestic outputs to save money. President-elect Donald Trump announced he …

Tariffs are taxes pl…

Tariffs are taxes placed on imported items, meaning the cost to transport foreign goods becomes pricier, so customers turn to domestic outputs to save money. President-elect Donald Trump announced he would impose heavy tariffs on many products, creating a harsh economic divide for all parties involved. His main concern, though, is China. He stated plans ... Read more

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15 Amazing Hacks To Find Free Things To Do In Your City &Raquo; Steve Picture Copy
15 Amazing Hacks to Find Free Things to Do in Your City

Is it free? If you find yourself asking that question more than paying an entry fee, this list is meant for you. We search for free things to do, sometimes coming up short, sometimes learning about th…

Is it free? If you f…

Is it free? If you find yourself asking that question more than paying an entry fee, this list is meant for you. We search for free things to do, sometimes coming up short, sometimes learning about the hidden cost in the presumed “free” event. How can we best navigate a world featuring assumed free events ... Read more

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13 Regular Day Expenses That Are Killing Retiree’s Budgets &Raquo; Steve Picture Copy
13 Regular Day Expenses That Are Killing Retiree’s Budgets

Many folks spend their entire working lives planning for the period after. With so many people looking forward to Retirement, they budget for exciting extracurricular activities reserved for the golde…

Many folks spend the…

Many folks spend their entire working lives planning for the period after. With so many people looking forward to retirement, they budget for exciting extracurricular activities reserved for the golden era. Oftentimes, potential retirees forget to budget everyday expenses which damper their retirement fund. Let’s take a look at regular expenses often overlooked during the ... Read more

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12 Essentials That People Cannot Live Without Even If Costs Rise &Raquo; Steve Picture Copy
12 Essentials That People Cannot Live Without Even If Costs Rise

We all know money can’t buy happiness. However, we often equate happiness with the items we will pay for, no matter how much they cost. Some people list them as desires, while others will always con…

We all know money ca…

We all know money can’t buy happiness. However, we often equate happiness with the items we will pay for, no matter how much they cost. Some people list them as desires, while others will always consider them “essentials.” These items can vary widely, but there are a few central themes most people generally consider to ... Read more

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14 Ways To Change Your Life Financially In 2025 &Raquo; Steve Picture Copy
14 Ways to Change Your Life Financially in 2025

Let's face it: money isn't the problem. Finances, on the other hand, can be tricky. We all get the same 24 hours a day, and most of the time, we work during that time to earn money. That money then go…

Let's face it: money…

Let's face it: money isn't the problem. Finances, on the other hand, can be tricky. We all get the same 24 hours a day, and most of the time, we work during that time to earn money. That money then goes to support our Lifestyle.  My husband firmly believes that you can always make more ... Read more

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15 European Destinations That Are Super Friendly To U.s. Tourists &Raquo; Steve Picture Copy
15 European Destinations That Are Super Friendly to U.S. Tourists

Tourism, specifically U.S. tourism, is a double-edged sword. A popular stereotype perpetuated about these tourists equates them to loud, rude, boisterous, ungrateful people taking vacations in foreign…

Tourism, specificall…

Tourism, specifically U.S. tourism, is a double-edged sword. A popular stereotype perpetuated about these tourists equates them to loud, rude, boisterous, ungrateful people taking vacations in foreign countries. That stereotype is a blanket statement harming instead of helping the tourism industry. Without taking a risk on these loud-obnoxious tourists, how can a country dependent on ... Read more

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16 Ancient Ruins That Everyone Should See Some Day &Raquo; Steve Picture Copy
16 Ancient Ruins That Everyone Should See Some Day

What’s on your Bucket List? Are you an explorer devoted to uncovering sacred flashbacks to ancient civilizations? Or are you more interested in seeing how landmark tourism affects current cities? If…

What’s on your buc…

What’s on your bucket list? Are you an explorer devoted to uncovering sacred flashbacks to ancient civilizations? Or are you more interested in seeing how landmark tourism affects current cities? If you’re interested in the fusion of both of those ideas, you should add all of these ruins to that bucket list.  1. Machu Picchu, ... Read more

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12 Lazy Ways For Beginners To Make Extra Money  &Raquo; Steve Picture Copy
12 Lazy Ways for Beginners to Make Extra Money 

No one wants to work more hours than they have to, but the reality is that many people have to take on a side hustle or part-time job to make ends meet. The thought of working more hours is exhausting…

No one wants to work…

No one wants to work more hours than they have to, but the reality is that many people have to take on a side hustle or part-time job to make ends meet. The thought of working more hours is exhausting, but there’s a way around that.  Believe it or not, you can earn extra money ... Read more

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13 Frugal Hacks To Avoid Going Out To Eat All The Time &Raquo; Steve Picture Copy
13 Frugal Hacks to Avoid Going Out to Eat All the Time

One of the easiest ways to save money is to stop dining out frequently. Going out to eat all the time has its share of conveniences, but it’s costly, whether going to fast food and pizza places or s…

One of the easiest w…

One of the easiest ways to save money is to stop dining out frequently. Going out to eat all the time has its share of conveniences, but it’s costly, whether going to fast food and pizza places or sit-down restaurants. Those visits can put a huge dent in your budget. There are strategies to avoid ... Read more

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13 Unique Skills Helping People Land More Jobs &Raquo; Steve Picture Copy
13 Unique Skills Helping People Land More Jobs

The current job market is a strong one, but it’s also highly competitive. Candidates have to distinguish themselves from the rest of the crowd if they want prospective employers to notice them. It t…

The current job mark…

The current job market is a strong one, but it’s also highly competitive. Candidates have to distinguish themselves from the rest of the crowd if they want prospective employers to notice them. It takes some insight to understand what companies are looking for. One of the keys to landing a new job is to signal ... Read more

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16 Remote Jobs That Could Pay More Than Your Main Gig &Raquo; Steve Picture Copy
16 Remote Jobs That Could Pay More Than Your Main Gig

When your main gig isn’t bringing home the metaphorical bacon, what can you do? In today’s Economy, lots of people take on second or third jobs to earn extra money or make their rent payments. Som…

When your main gig i…

When your main gig isn’t bringing home the metaphorical bacon, what can you do? In today’s economy, lots of people take on second or third jobs to earn extra money or make their rent payments. Some people even switch up their whole careers in favor of professions that generate higher incomes.   Since lockdown, the job ... Read more

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14 Frugal New Year Ideas For Those That Are On A Budget &Raquo; Steve Picture Copy
14 Frugal New Year Ideas For Those That Are on a Budget

When we're talking about New Year's resolutions, most people think about things like losing weight or upgrading their car or office space. Some may add purchasing a new home to their list. However, ma…

When we're talking a…

When we're talking about New Year's resolutions, most people think about things like losing weight or upgrading their car or office space. Some may add purchasing a new home to their list. However, many miss the importance of starting and using a budget to help with financial Security and stability.  By the time the New ... Read more

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12 Great Frugal Christmas Gift Ideas That Can Save Money &Raquo; Steve Picture Copy
12 Great Frugal Christmas Gift Ideas That Can Save Money

Buying presents for loved ones is one of the best parts of the holiday season, but it doesn’t mean you have to go broke doing so. You can give meaningful gifts to everyone on your list and still kee…

Buying presents for …

Buying presents for loved ones is one of the best parts of the holiday season, but it doesn’t mean you have to go broke doing so. You can give meaningful gifts to everyone on your list and still keep your budget intact. Just because a Christmas present doesn’t cost much money to buy or make, ... Read more

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12 Great Frugal Christmas Gift Ideas That Can Save Money &Raquo; Steve Picture Copy
12 Great Frugal Christmas Gift Ideas That Can Save Money

Buying presents for loved ones is one of the best parts of the holiday season, but it doesn’t mean you have to go broke doing so. You can give meaningful gifts to everyone on your list and still kee…

Buying presents for …

Buying presents for loved ones is one of the best parts of the holiday season, but it doesn’t mean you have to go broke doing so. You can give meaningful gifts to everyone on your list and still keep your budget intact. Just because a Christmas present doesn’t cost much money to buy or make, ... Read more

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13 Ways To Not Break The Bank This Christmas &Raquo; Steve Picture Copy
13 Ways to Not Break the Bank This Christmas

Planning a big Christmas shindig can be both exhilarating and exhausting. When money is tight, finding a way to make the holiday fun and frugal can take on the proportions of trying to climb Mount Eve…

Planning a big Chris…

Planning a big Christmas shindig can be both exhilarating and exhausting. When money is tight, finding a way to make the holiday fun and frugal can take on the proportions of trying to climb Mount Everest.  Thankfully, there are many ways to enjoy this second-most popular holiday without breaking your budget. With dinner and other ... Read more

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13 Ways To Not Break The Bank This Christmas &Raquo; Steve Picture Copy
13 Ways to Not Break the Bank This Christmas

Planning a big Christmas shindig can be both exhilarating and exhausting. When money is tight, finding a way to make the holiday fun and frugal can take on the proportions of trying to climb Mount Eve…

Planning a big Chris…

Planning a big Christmas shindig can be both exhilarating and exhausting. When money is tight, finding a way to make the holiday fun and frugal can take on the proportions of trying to climb Mount Everest.  Thankfully, there are many ways to enjoy this second-most popular holiday without breaking your budget. With dinner and other ... Read more

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