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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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High-Performance Perks: Why Cars Motivate Top Employees Most &Raquo; Steve Picture Copy
High-Performance Perks: Why Cars Motivate Top Employees Most

Key Highlights Introduction In today's tough job market, it is very important to recognize and reward high-performing employees. Traditional benefits still matter, but companies are now looking for ne…

Key Highlights Intro…

Key Highlights Introduction In today's tough job market, it is very important to recognize and reward high-performing employees. Traditional benefits still matter, but companies are now looking for new perks to attract and keep top talent. One of these new perks is giving cars as incentives. This can be a strong way to motivate employees. ... Read more

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15 Things To Do In Innsbruck Austria That Will Make You Feel Like You’re In A Fairy Tale &Raquo; Steve Picture Copy
15 Things to Do in Innsbruck Austria That Will Make You Feel Like You’re in a Fairy Tale

Are you looking for the best things to do in Innsbruck? This cozy city, tucked away in Austria's Inntal valley and surrounded by majestic mountains, is full of history, culture, and adventure.  In I…

Are you looking for …

Are you looking for the best things to do in Innsbruck? This cozy city, tucked away in Austria's Inntal valley and surrounded by majestic mountains, is full of history, culture, and adventure.  In Innsbruck, the people welcome you with open arms, the food will have you coming back for more, and the views are simply out ... Read more

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13 Money Lessons You Need To Learn With A Growing Family &Raquo; Steve Picture Copy
13 Money Lessons You Need to Learn With a Growing Family

Financial literacy is a life course all children should take. Unfortunately, it's not taught in schools, and many parents don't put enough emphasis on the topic until it's too late. Topics like debt-t…

Financial literacy i…

Financial literacy is a life course all children should take. Unfortunately, it's not taught in schools, and many parents don't put enough emphasis on the topic until it's too late. Topics like debt-to-income ratios, taxes, insurance, Investing, and charity often fall by the wayside while living life.  If you ask many hard-working parents why they ... Read more

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17 Beautiful Small Towns You Must Visit While In Europe &Raquo; Steve Picture Copy
17 Beautiful Small Towns You Must Visit While in Europe

European small towns have such a charm about them. The capital cities often overlook them, but if you ever get a chance, it's worth catching a train journey to some of the smaller, less visited towns.…

European small towns…

European small towns have such a charm about them. The capital cities often overlook them, but if you ever get a chance, it's worth catching a train journey to some of the smaller, less visited towns.  These places are where you will get a real sense of what life is like in the country. That's ... Read more

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14 Foods To Stop Eating For Better Health &Raquo; Steve Picture Copy
14 Foods to Stop Eating for Better Health

Staying healthy involves being active but also depends on your eating habits. Heavily processed, fried, and pre-made foods aren't the most nutritious. You probably feel a bit sluggish and less energet…

Staying healthy invo…

Staying healthy involves being active but also depends on your eating habits. Heavily processed, fried, and pre-made foods aren't the most nutritious. You probably feel a bit sluggish and less energetic after eating bad foods that taste oh-so-good.  Despite their delicious taste, many popular foods aren’t very good for you, especially when they’re frequently consumed ... Read more

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14 Cities Around The World Worth Visiting In Your Lifetime &Raquo; Steve Picture Copy
14 Cities Around the World Worth Visiting in Your Lifetime

“Once you’ve seen one, you’ve seen them all.” I’ve heard this said of most cities coming from worldly travelers. However, the statement certainly doesn’t hold for the following places wher…

“Once you’ve see…

“Once you’ve seen one, you’ve seen them all.” I’ve heard this said of most cities coming from worldly travelers. However, the statement certainly doesn’t hold for the following places where each one has its own unique characteristics just waiting for passersby to behold and appreciate. 1. Venice, Italy Known for being the “city of water,” ... Read more

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10 Strategies To Escape The ”Wants” Trap And Build Financial Security &Raquo; Steve Picture Copy
10 Strategies To Escape the ”Wants” Trap and Build Financial Security

Your wants, just like those of others, will always be insatiable. While this is common knowledge that should make spending choices easier, ignoring what we want for what we truly need is not always a …

Your wants, just lik…

Your wants, just like those of others, will always be insatiable. While this is common knowledge that should make spending choices easier, ignoring what we want for what we truly need is not always a walk in the park. We live in the consumerism bubble of smart advertisement that makes it hard to turn down ... Read more

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10 Best Frugal Tips To Save A Ton Of Money On Travel &Raquo; Steve Picture Copy
10 Best Frugal Tips To Save A Ton Of Money On Travel

Traveling is a beautiful way to discover new places, engage with diverse cultures, and make lifelong memories. However, travel expenses can mount up rapidly and make it challenging to stick to a budge…

Traveling is a beaut…

Traveling is a beautiful way to discover new places, engage with diverse cultures, and make lifelong memories. However, travel expenses can mount up rapidly and make it challenging to stick to a budget. Tips & Tricks You may save costs on your next trip by using various economic techniques and tricks that will maximize your ... Read more

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Top 7 Investment Strategies For First-Time Investors &Raquo; Steve Picture Copy
Top 7 Investment Strategies for First-Time Investors

Thinking about investing but not sure where to begin? You’re not alone. A lot of people want to grow their money, but the process can seem confusing if you’ve never done it before. The good news i…

Thinking about inves…

Thinking about investing but not sure where to begin? You’re not alone. A lot of people want to grow their money, but the process can seem confusing if you’ve never done it before. The good news is you don’t need to be a financial expert or have a ton of cash to start. What matters ... Read more

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12 Ways To Earn A Bit Of Extra Income Without Quitting Your Day Job &Raquo; Steve Picture Copy
12 Ways to Earn a Bit of Extra Income Without Quitting Your Day Job

There’s no denying that the nine-to-five grind has undergone a metamorphosis since 2020. The global pandemic rerouted work schedules, meetings, education, and a host of other daily norms.  Remote w…

There’s no denying…

There’s no denying that the nine-to-five grind has undergone a metamorphosis since 2020. The global pandemic rerouted work schedules, meetings, education, and a host of other daily norms.  Remote work has become the new normal, and workers have embraced the movement so wholly that companies are finding it difficult to get their crews to come ... Read more

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Unlocking Wealth: 10 Easy Frugal Tips That’ll Revolutionize Your Lifestyle! &Raquo; Steve Picture Copy
Unlocking Wealth: 10 Easy Frugal Tips That’ll Revolutionize Your Lifestyle!

In our consumer culture, spending money is an everyday part of life. We buy food, care products, and tickets to our favorite band's concert. But it can be hard to be frugal in a world full of advertis…

In our consumer cult…

In our consumer culture, spending money is an everyday part of life. We buy food, care products, and tickets to our favorite band's concert. But it can be hard to be frugal in a world full of advertisements urging us to hand over our hard-earned cash for the best new blender. Someone asked for frugal ... Read more

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Ready To Retire? Check Out The 14 Best Countries To Live Your Dream Life! &Raquo; Steve Picture Copy
Ready to Retire? Check Out the 14 Best Countries to Live Your Dream Life!

Retirement is a part of life. We work our whole lives to live an extraordinary life at the end of our work life. That means we can enjoy life with great food, adventures, and relaxing lifestyles. It i…

Retirement is a part…

Retirement is a part of life. We work our whole lives to live an extraordinary life at the end of our work life. That means we can enjoy life with great food, adventures, and relaxing lifestyles. It is appealing to many people, and the great thing is that many countries offer many of these things ... Read more

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Open Your Eyes! 12 Unforeseen Expenses That Are Stealthily Draining Your Wallet &Raquo; Steve Picture Copy
Open Your Eyes! 12 Unforeseen Expenses That Are Stealthily Draining Your Wallet

How one spends their money is a personal choice. If a seemingly absurd purchase can bring you joy, it may not be a waste. However, perspective matters as an online community explores 12 things they fi…

How one spends their…

How one spends their money is a personal choice. If a seemingly absurd purchase can bring you joy, it may not be a waste. However, perspective matters as an online community explores 12 things they find to be money drains. 1. Exorbitant Yet Empty Purses One member shares how he bought a $1200 purse for ... Read more

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10 Best American Airports To Fly Through In 2025 &Raquo; Steve Picture Copy
10 Best American Airports to Fly Through in 2025

Airports can be a major pain point when traveling, but they don't have to be. In 2023, passengers continue to seek efficiency, convenience, and comfort during their journeys.  To help you plan your t…

Airports can be a ma…

Airports can be a major pain point when traveling, but they don't have to be. In 2023, passengers continue to seek efficiency, convenience, and comfort during their journeys.  To help you plan your travels effectively, we present a detailed look at the 10 best American airports to fly through in 2023. These airports have earned ... Read more

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10 Craziest Things People Have Ever Done To Save Money, Would You?  &Raquo; Steve Picture Copy
10 Craziest Things People Have Ever Done To Save Money, Would You? 

Saving money has become more complex than ever, with prices of everything from groceries to gas constantly increasing. An online discussion occurred regarding what lengths people have gone to save mon…

Saving money has bec…

Saving money has become more complex than ever, with prices of everything from groceries to gas constantly increasing. An online discussion occurred regarding what lengths people have gone to save money. If you’re tired of pinching pennies and are looking for more significant ways to save, these ideas may or may not be your best ... Read more

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12 Most Beautiful College Campuses In The States &Raquo; Steve Picture Copy
12 Most Beautiful College Campuses in the States

College is more than simply a place to acquire a degree; it's an opportunity to develop, explore new passions, and make memories that will last a lifetime. The campus itself is an essential part of th…

College is more than…

College is more than simply a place to acquire a degree; it's an opportunity to develop, explore new passions, and make memories that will last a lifetime. The campus itself is an essential part of this experience.  Across the United States, several college campuses stand out for their breathtaking beauty, architectural charm, and natural splendor.  ... Read more

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12 College Majors That Have The Highest Starting Salaries &Raquo; Steve Picture Copy
12 College Majors That Have The Highest Starting Salaries

Even though college isn’t a route everyone takes after high school graduation, nearly 70% of American high school graduates enter the college stream every year. Most will have some idea of what they…

Even though college …

Even though college isn’t a route everyone takes after high school graduation, nearly 70% of American high school graduates enter the college stream every year. Most will have some idea of what they want to major in, but that’s not always the case.  Sometimes, it’s difficult to know what you want your studies to focus ... Read more

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The Benefits Of Having A Reliable Fx Partner In Volatile Markets &Raquo; Steve Picture Copy
The Benefits of Having a Reliable FX Partner in Volatile Markets

Financial market navigation can be challenging, especially when price fluctuations create uncertain trading conditions. Market liquidity is crucial in ensuring seamless trade execution without excessi…

Financial market nav…

Financial market navigation can be challenging, especially when price fluctuations create uncertain trading conditions. Market liquidity is crucial in ensuring seamless trade execution without excessive slippage. Partnering with experienced professionals helps traders make informed decisions and reduce unnecessary risks. Every investor aims to maximise profit by leveraging smart strategies and real-time data analysis.  Collaborating with ... Read more

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