Ever wonder why you can't break certain money habits, like impulse buying, constantly overspending, or even depriving yourself too much, even when you know it’s not gonna be great for your finances? Maybe it's time to ask your inner child. In this episode, Jen and Jill take a trip down memory lane and explore how our childhood experiences may still be influencing the way we manage (or mismanage) money today. 🎙️ Get full show notes here!https://bit.ly/4hIIigD  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

It doesn't matter if you're living alone or with your family, the most challenging question of the day is always what to eat for the next meal. If cooking isn't your strong suit and you find yourself stressing about what to eat for the rest of the day, then this is for you. In this episode, Jen and Jill are joined by Mandy Klentz of PlandyMandy to share her tips on effectively planning your meals sustainably so you wouldn't have to ask again what to cook for your next meal. 🎙️ Get full show notes here!https://bit.ly/4fkyIyH  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We’ve all had that moment when an advertisement passes by, and our mind goes, “I definitely need that,” thanks to how effective and well-thought-out their marketing is. But they will always be what they are meant to be—strategies designed to influence us to spend. It’s not evil, but it’s definitely costing us something. In this episode, Jen and Jill reveal the fascinating world of marketing and how a simple product can transform into a necessity or more so, a luxury. 🎙️ Get full show notes here!https://bit.ly/4fzg8Tq  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

A present for you—from our hearts: a frugal holiday season! There’s no better way to celebrate than by enjoying the season without guilt. Plus, it’s much more meaningful to give something heartfelt rather than something you regret because it was pricey. In this episode, Jen and Jill will unwrap meaningful ways to celebrate frugally and offer mindset shifts to help you embrace the holiday season! 🎙️ Get full show notes here!https://bit.ly/3UbC6nd  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/  See omnystudio.com/listener for privacy information.

If we receive a set of puzzle pieces, we can’t complete the picture without knowing how they fit together. The same goes for teaching our kids about money. Even if we pass down every cent we have, they won’t know what to do with it unless we teach them the values and proper ways to handle it—just like everything else in life. In this episode, Jen and Jill are joined by Andy Hill of Marriage Kids and Money to share essential life skills and practical tips for setting up your kids for financial success. 🎙️ Get full show notes here!https://bit.ly/48dxYJ9  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

You know the drill, and you’re definitely not new to this game. We might not be able to completely stop the forces but the more we understand why we tend to impulse purchase or what drives our choices, the better equipped we’ll be to interrupt those patterns—and the more confident we’ll feel in our spending. In this episode, Jen and Jill give us a sneak peak of this part of ‘Buy What You Love Without Going Broke’! 🎙️ Get full show notes here!https://bit.ly/3Y5cDNc  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Gentle reminder once again: health is more than just weight. The pressures of society have led us to believe otherwise, but it’s important to put faith and trust in your body and the amazing things it does for you. With so much societal pressure, social media influencers, and the latest diet trends—it’s easy to lose sight of our own health and well-being—and our wallets! In this episode, Jen and Jill talk about finding that sweet spot between health and happiness, and why rejecting the extremes of diet culture is the way to go. 🎙️ Get full show notes here!https://bit.ly/4eODjbL  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We’ve all been there—caught in a cycle of self-doubt and fear of failure, wondering if we’ll ever get to even start. But it doesn’t have to be that way! When it comes to perfectionism, many of us picture the typical overachiever striving for unrealistic standards. But what if we told you there’s a different side to this story? In this episode, Jen and Jill are joined by Monica Parker of About Progress to give us excellent and relatable insights about perfectionism. 🎙️ Get full show notes here!https://bit.ly/4f3Qztw  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Some of us embrace a horror-themed festivity, some of us love twinkly lights, but no matter your style, there’s a holiday just around the corner for everyone. And what’s a celebration without heartfelt connections, right? In this episode, Jen and Jill sparks the good that comes with hosting and share their tips for throwing an amazing party on a budget. 🎙️ Get full show notes here!https://bit.ly/3TVrVCW  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Spoiler alert: high food income holidays are just around the corner, and your kitchen is crying for help! So this is probably the best time to prepare your kitchen for the holiday hustle! Over the next 30 days or less, you’ll be doing yourself a favor by decluttering your space. In this episode, Jen and Jill break down the ultimate guide on how to declutter our kitchens. 🎙️ Get full show notes here!https://bit.ly/3Buthhz  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Whether you're asking for a raise or just trying to make your voice heard, negotiation doesn’t have to feel scary, and you definitely don’t have to be an expert at all times to get what you deserve! In this episode, Jen and Jill are joined by Kathryn Valentine of Worthmore Strategies to empower us how we can turn the tables and negotiate better not just at work but also in life. 🎙️ Get full show notes here!https://bit.ly/4gw3UvU  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

News flash! Influencers are not telling you the whole truth on social media. It’s not malicious, but it isn’t all perfect either. Whether you’re someone who is just here for the title, or you’re someone who easily gets influenced, you’ll get what you came for. In this episode, Jen and Jill discuss why influencers are doing this, how to identify it, and what action steps to take about it. 🎙️ Get full show notes here!https://bit.ly/3XUQMt5  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There’s nothing scarier than spending money on something you'll use only once, give away, or that will gather dust and cobwebs in your garage for a year! In this episode, Jen and Jill are witching you a budget-friendly Halloween with backed-up statistics on spending patterns and predictions with tips to save money this spooky season. 🎙️ Get full show notes here! https://bit.ly/3ZhBzU4  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

When the world feels overwhelming and you’re not sure how to make a difference, remember that there’s always one action you can take that moves you in the right direction. Even if things don’t seem to be going your way, taking that one step can make a difference. In this episode, Jen and Jill are joined by Genet “GG” Gimja to show us how everyday people can make smart financial choices that reflect their values and help build a better world. 🎙️ Get full show notes here!https://bit.ly/3XqNBI5  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Of course we deserve a little treat or maybe even an indulgence now and then. We’re all guilty of this! But sometimes, this mindset becomes a frequent excuse that it exhausts our wallets without us realizing. In this episode, Jen and Jill will reveal some hard truths about how this mentality might be costing us more than we think and discuss what then are the things we truly deserve.  🎙️ Get full show notes here! https://bit.ly/4e99BxZ  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There is something uniquely simple and effective about timelessness: it never gets old and it always finds a way to work out somehow. In this episode, Jen and Jill revisit the timeless Japanese budgeting system called Kakeibo, what it’s all about, and what you need to know to engage with it effectively. 🎙️ Get full show notes here! https://bit.ly/4e8Bgis  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Best believe, you’re not behind and it’s never too late to focus on reclaiming the confidence you once had when you were younger. What’s even better is that you don’t have to spend tons of money doing that. In this episode, Jen and Jill join Dominique Sachse of Over 50 & Flourishing to share her wisdom on beauty, empowerment, and elegant frugality. 🎙️ Get full show notes here! https://bit.ly/3ZnTVTl  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Asking for help can be super awkward, uncomfortable, and scary. But here’s the thing: not having a close-knit community is costing us more than we realize. It’s not just about missing out on the occasional favor, it’s about missing out on the support and fun that comes from having a strong community around us. In this episode, Jen and Jill dives into the beauty of the little favors community. 🎙️ Get full show notes here! https://bit.ly/3X88QOI  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We are not saying you shouldn't be aware of or manage your money well, we are saying you don’t need a budget to thrive financially. Yes, there is a difference! One is just not right, while the other suggests more flexible and freeing ways to spend. In this episode, Jen and Jill discuss money management and how a hundred budgeting templates may not always work for you. 🎙️ Get full show notes here! https://bit.ly/3MiDIao  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Luxury isn’t just about extravagance. Sometimes, it’s the simple, priceless moments in life that we don’t even realize, like reading a book, walking your dog, or enjoying a quiet cup of coffee! In this episode, Jen and Jill join Shannon Ables of The Simply Luxurious Life to guide us through how to identify little luxuries, and how we can build skills leading to contentment. 🎙️ Get full show notes here! https://bit.ly/3Atyar2  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

It's the mind itself that shapes the body. This fall season, embracing a new mindset will bring about changes that come with comfort and ease. So, join Jen and Jill as they share another set of engaging book recommendations that explore mindset shifts, relationships, time management, and strengthening love muscles! 🎙️ Get full show notes here! https://bit.ly/3YUIBxW  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

‘Tis the season of giving…and big spending! Last time, we discussed how to maximize the season, but this episode is all about minimizing it. So this fall, we’re focusing on budgeting and overall check-ins to ensure we wrap up the year on a positive note. In this episode, Jen and Jill share a fall to-do list to help you plan ahead, prepare for the upcoming months, and budget effectively for the holidays. 🎙️ Get full show notes here! https://bit.ly/4cdH2Oy  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

A new emotion has entered—burnout! It’s not the worst of the worst, but it is our common enemy. It’s the feeling that stops time and makes us exhausted just by existing. We know it, and we feel it, and now our spending is at risk because of it. That’s why, in this episode, Jen and Jill join Jess Massey of The Hustle Sanely Podcast to share how to identify burnout and combat its inevitable cycle. 🎙️ Get full show notes here! https://bit.ly/3AFJz6V  📘 Pre-order the book herehttps://bit.ly/BWYL-podcast 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Overconsumption is out, underconsumption core is IN! We're talking about squeezing out the last drop of soap or shampoo, using up every bit of toothpaste, and rocking that dented flask. In this episode, Jen and Jill talk about what it is, why it’s gaining popularity, why you should care about it, and what you can do to spread the message! 🎙️ Get full show notes here! https://bit.ly/3A76bwV  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Life update! Because so much can change in two years. While the story remains the same, learning, perspective, and goals definitely change. But it’s a good thing to remind ourselves of the hard times we’ve come across and surpassed. In this episode, Jen and Jill rewind Jill’s debt pay-off journey to celebrate being debt-free and also, her very special day! 🎙️ Get full show notes here! https://bit.ly/3Ww7xZH  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Are you also one of those who goes “I’ll keep this, just in case” and then years go by and you still haven’t used it, but when you revisit the item, you keep it in again just in case? If so, consider this a wake-up call: you don’t need all of this stuff! In this episode, Jen and Jill join Dawn Madsen of The Minimal Mom to share her life living with kids while maintaining a minimalist lifestyle. 🎙️ Get full show notes here! https://bit.ly/3WKkgIs   💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Repeat after me: I shop AT the grocery store, I am not THE grocery store! You are not a vending machine for snacks and definitely not a storage space for products that will end up going bad in the fridge without being used, so tell yourself, you’re not going to overbuy! In this episode, Jen and Jill read an article that shares helpful, realistic, and approachable tips for grocery shopping on a budget! 🎙️ Get full show notes here! https://bit.ly/3A4Fp8q  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We want to walk with you through your financial journey. Therefore, we're giving you an exclusive sneak peek of our new book, "Buy What You Love Without Going Broke"! In this episode, Jen and Jill delve deeper into the heart of the book, which talks about values-based spending, principles we can hold on to, and the foundation for making financial decisions. 🎙️ Get full show notes here! https://bit.ly/4cRLAv5  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There’s a saying that goes “a jack of all trades is a master of none, but oftentimes is better than a master of one”! As we approach the last part of our Debt-Free Summer, let’s remember that we can do so much more! In this episode, Jen and Jill are joined by Denise to share a four year debt-free journey, and how switching jobs and good money mindset helped her get through debt.  🎙️ Get full show notes here! https://bit.ly/4cSyuxO  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

You know that feeling when you're on the verge of scoring a super good deal, only to realize it's just another impulsive spending moment? But, really, how do we even get away with a good deal in this world full of enticing discounts and irresistible offers? In this episode, Jen and Jill uncover the tricks and strategies of retailers to get us to spend more and how to overcome falling into the traps. 🎙️ Get full show notes here! https://bit.ly/4cR5m9B  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/  See omnystudio.com/listener for privacy information.

They often tell us that the way to pay off debt is to increase our income but what if we tell you there's a way to achieve it without all that hustle? In this episode, Jen and Jill are joined by Kait to uncover her inspiring journey and how she navigated her financial decisions, and used her income and time wisely! 🎙️ Get full show notes here! https://bit.ly/3XL6Rlu  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

One is the darling of the personal finance world, the other is her outcast cousin. But we're shining a light on the 'ugly duckling' and telling you one might be right for you—and it might not be the one you think. In this episode, Jen and Jill shed light on FSAs and HSAs and provide tips to help you determine which one is right for you! 🎙️ Get full show notes here! https://bit.ly/4cm1jCz  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Paying off debt is one thing, but achieving your dream career alongside it is truly inspiring! In this episode, Jen and Jill are joined by Katelyn who shares her debt-free journey in 18 months through hard work, multiple jobs, and strategic budgeting, all while obtaining two master's degrees and pursuing a doctorate for FREE. 🎙️ Get full show notes here! https://bit.ly/3VPf8lA  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

When signing up for loyalty programs, it is important to ask yourself: Am I actually saving? Because we never know, it might be a tricky marketing tactic to get you to spend more. In this episode, Jen and Jill uncover the realities of loyalty points and programs and how much they actually cost us. 🎙️ Get full show notes here! https://bit.ly/3W97QLf  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There's no one way to approach a debt-free journey, as everyone's experiences differ. However, you can find ways to pay off debt without sacrificing what's important to you—like investments or lifestyle choices! In this episode, Jen and Jill are joined by Akeiva and Meshack as they share their 18-month debt-free journey and how they did it. 🎙️ Get full show notes here! https://bit.ly/3zjNUME  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

If you consider yourself bad at thrifting, think again, because you might have missed important tips for buying secondhand items online, or maybe you don’t know where to. In this episode, Jen and Jill give advice on how to make the most of buying secondhand items online and where to find the best online thrift stores for everything! 🎙️ Get full show notes here! https://bit.ly/3xuBPDD  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Sacrificing the things we love most while saving can be tough. But don’t worry! We can choose to spend money on what we truly value all while meeting our financial goals! In this episode, Jen and Jill are joined by Nika to share her empowering three year debt-free journey including her mindset, hustles, as well as her motivations to finally get out of debt. 🎙️ Get full show notes here! https://bit.ly/3RWLVo3  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Just a reminder: You have food at home! It's easy to make excuses not to eat what's at home, but little do we realize it costs us more. In this episode, Jen and Jill help us have the internal motivation and the external hacks to choose the food we have at home over take-outs or food in restaurants. 🎙️ Get full show notes here! https://bit.ly/3z6ux9P  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Being too focused on paying off debt can sometimes lead you to extremes. In this episode, Jen and Jill are joined by Jason to share his two-year journey in overcoming debt with his wife—how they did it, what they cut back on, how they got rid of extra belongings, and how they lived more intentionally. 🎙️ Get full show notes here! https://bit.ly/4eoGOqg   💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Everyone loves a good deal that also offers good quality. Therefore, it's a good thing there are salvage stores to help us shop more with less guilt. In this episode, Jen and Jill discuss salvage stores, how to find and identify them, and tips for shopping for them. 🎙️ Get full show notes here! https://bit.ly/3VzLHFq  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

The burden of debt may seem endless and enduring, leaving one feeling behind when starting their own debt-free journey. In this episode, Jen and Jill are joined by Tina to share her inspiring 15-year debt-free journey, including creative strategies, benefits, and mindset shifts to overcome being in debt.  🎙️ Get full show notes here! https://bit.ly/3VAWYWa  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Looking to start your skincare journey or make your skincare routine more minimalist? Or you are already minimalist but want to get better at it? In this episode, Jen and Jill share why we must minimize our skincare routine, what it can look like, and what their skincare routines are. 🎙️ Get full show notes here! https://bit.ly/45gACfC  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Social media is vast and can distort intentions and messages, affecting our motivation. However, its communities are often overlooked for their incredible power to support and uplift each other. In this episode, Jen and Jill celebrate Kelly’s successful payoff journey of $46,000 in student loan debt with the help of social media. 🎙️ Get full show notes here! https://bit.ly/3x3Qaa8  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

The summer has begun, and the laziness, or perhaps, as we would like to call it, a “restful” season, has finally kicked in. I know many of you want to rest and slow down this summer, so let’s capitalize on that! In this episode, Jen and Jill share tips on simplifying your meal planning and recipes that require fewer ingredients! 🎙️ Get full show notes here! https://bit.ly/4ehOcnk  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Life after school is daunting, perhaps due to the desire to prove to oneself that we can be adults with a bright and stable life, but life isn’t a movie and adulthood is far from a steady life pace. In this episode, Jen and Jill listen to Catherine’s story of paying off her $27,000 student loan in just 5 months after graduating. 🎙️ Get full show notes here! https://bit.ly/3VuxKsa  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Why travel far when you can enjoy the gorgeous places nearby? It’s convenient and budget-friendly! Grab a pen and paper, because in this episode, Jen and Jill revisit staycation ideas for your summer, sparking creativity in frugality. 🎙️ Get full show notes here! https://bit.ly/453GmJw  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We don’t often give much credit to our teachers that they get paid less than what they deserve. Many of them are struggling to pay off ballooning debts and are forced to live paycheck to paycheck. In this episode, Jen and Jill are joined by Megan to share her debt free journey including creative strategies to save money and mindset shifts as a teacher.  🎙️ Get full show notes here! https://bit.ly/3Kl9naj  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

What will you do when you have planned and prepared the best meal you could possibly make, but then your kids say no and leave the plate untouched? Now, throwing it away is the easiest answer, but food waste is a big money waste too. In this episode, Jen and Jill answer how we can reduce our food waste with kids in easy and manageable ways. 🎙️ Get full show notes here! https://bit.ly/4bAdlI6  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

What time is it? Summertime! It’s your vacation…but maybe not your finances! Summer is the second season, next to winter, wherein everyone is expected to spend more. Let’s find out in this episode as Jen and Jill share what to look out for and prepare for this summer in order to stay on budget and enjoy this season’s freedom! 🎙️ Get full show notes here! https://bit.ly/3QXA9ZI  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We love convenience, who doesn’t? We love anything that will make our lives faster and easier; hence, we love cashless transactions but we have forgotten how significant it is to have cash. In this episode, Jen and Jill join Brian Preston of The Money Guy to discuss the importance of having saved cash, whether as emergency funds or for opportunities. 🎙️ Get full show notes here! https://bit.ly/3QQAPjO  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Ever feel like your possessions have possessed your life? If it's badly affecting your finances, it might be time to say 'enough.' In this episode, Jen and Jill define what and when is enough for our finances through simplification, which will greatly encourage our mindset and overall finances.  🎙️ Get full show notes here! https://bit.ly/4dGF3En  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We always see the “how-tos” or ways not to impulse shop, but what really happens after? How effective and beneficial is it in attaining our financial goals? In this episode, Jen and Jill read stories of real people who have overcome impulse shopping to discover and learn about its impact on our financial goals and, ultimately, our lives. 🎙️ Get full show notes here! https://bit.ly/3wxybbG  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We came to a point where acquiring diseases and viruses no longer makes us super anxious, but rather from receiving a lengthy hospital bill and medical expenses! In this episode, Jen and Jill, together with Scott Speranza, CEO of HealthLock, discover a long list of medical billing errors and share ways to identify and dispute healthcare overbilling. 🎙️ Get full show notes here! https://bit.ly/4bzpRH5  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Will it surprise you when you find out that the 10% off deal you got when you purchased your new containers is the actual price? In this episode, Jen and Jill give FREE hot takes on marketing ploys such as how discounts and price sales are made to trick you into buying, costing you more! 🎙️ Get full show notes here! https://bit.ly/4bk7lT9  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

When paying off debt, it feels like a forever process of trying to decrease its amount, but when you look back, time just flew by like a wind! Jen shares her story of paying off her debt of $78,000 in just 2 years. Together with Jill, they celebrate and talk about the mindset shifts Jen needed to work on to pay off debt. 🎙️ Get full show notes here! https://bit.ly/3wlhX5u 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We were conditioned to prioritize independence and self-sufficiency, sometimes at the expense of nurturing meaningful relationships. In this episode, Jen and Jill encourage us to refine our ways of asking the people in our lives, which results in better spending decisions. Joined by Jeff Wetzler, they explore the “ask approach” and its significance in self-awareness and connecting with others. 🎙️ Get full show notes here! https://bit.ly/3wcGTfn 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

May is here, and so are yard sales! We have finally entered the season of yard sales, and some may have already been hunting and lining up for these sales. Don’t worry, Jen and Jill share tips on making the most of your yard sale stop and their experiences buying from one. Know which items to add to your list on your next yard sale visit!  🎙️ Get full show notes here! https://bit.ly/4cVjjnO  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Ever walk out of a warehouse club and realize you bought way too many things that weren't on your list? It’s time we turn you into a pro-bulk shopper, not an impulsive one! In this episode, Jen and Jill explore the myths about warehouse clubs and discuss pro tips on bulk buying. 🎙️ Get full show notes here! https://bit.ly/3xvEWuR  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Does creating a garden sound magical and fairytale-like to you? But you always end up killing your plants, demotivating you to build one? Well, we all had the same experience as you do. In this episode, Jen and Jill talk all things gardening for beginners and to those who are hesitant to start with Nicole Johnsey Burke. 🎙️ Get full show notes here! https://bit.ly/3WfyToA  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Celebrating 6 years and 400 episodes with the husbands back on the show! If you're hoping to get any financial advice in this episode, you will get a little. But this episode delivers all the things you asked for: the husbands, one-star reviews, and Q&As. We've laughed, we've learned, we've had great conversations, and now it's time to celebrate all those moments. We'd love for YOU to join the party. 🎙️ Get full show notes here! https://bit.ly/4bjd1gn 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Bills, bills, bills! Who loves paying bills when it holds us back on spending on the things we love and value? Well, it doesn’t always have to be that way! In this episode, Jen and Jill make space on being able to spend guilt free and prioritizing it on our values. 🎙️ Get full show notes here! https://bit.ly/3W2W6dz  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We often forget that good stewardship of our resources is a foundational part of a frugal lifestyle. While it is simply unrealistic to have total zero waste in our everyday lives, frugal zero waste living teaches us beyond wasting less and also fostering intentional consumption and choices. In this re-run episode, Jen and Jill talk about the 5Rs of waste management and zero-waste living, aiding our self-sufficiency and problem-solving skills.  🎙️ Get full show notes here! https://bit.ly/3J7SgrO   💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

“I deserve to buy this!” But are you really deserving of it? If you’re someone who thinks adding more items to your cart at checkout is going to solve all of your problems, then you deserve to hear this episode. Jen and Jill, together with Amanda Montell, author of acclaimed books such as Wordslut and Cultish, and a podcast host, talk about cognitive biases and their influence on not just our finances but on our everyday lives! 🎙️ Get full show notes here! https://bit.ly/3U51Bab  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Got nowhere to place your piling-up girl scout cookies? You’re in for the ride! In this episode, Jen and Jill walk through creative ways to make a minimalist pantry. Figure out your next kitchen or pantry setup, the items you might use, and those that need to go! 🎙️ Get full show notes here! https://bit.ly/3vFh339  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

While there are some who find it hard to let go, there are also those who easily discard things. In this episode, Jen and Jill learn from Carleigh Bodrug of PlantYou deliciously simple yet creative ways to repurpose food in hopes of reducing our food waste and being intentional about meal planning. 🎙️ Get full show notes here! https://bit.ly/3TGaOnV  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

You are not just a teacher, but an all-rounder, a jack of all trades. Teachers’ honorable work in the classroom should never be undermined and should be greatly compensated. In this episode, Jen and Jill highlight the discrepancies in income and expenses for teachers that unfortunately push them to find additional work and the popular side hustles teachers can take on during the summer.   🎙️ Get full show notes here! https://bit.ly/4aicgDM 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

“I’m 35 and I feel far behind in life."  You’re wrong. You’re at the best time to start! In this episode, Jen and Jill discuss the amount (theoretically) you should have saved for retirement at certain ages without disregarding what you truly care about and want to do in life. 🎙️ Get full show notes here! https://bit.ly/4cvLNEH 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

If you just bought your new spring mattress and discovered the harmful chemicals of having one, this is us telling you that you do not immediately need to buy and swap your new mattress for a no toxin. In this episode, Jen and Jill, together with Alexx, discuss the benefits of reducing toxins in your everyday life and how it intersects with living a frugal life. 🎙️ Get full show notes here! https://bit.ly/3vgVtSF 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Have you ever missed out on a huge discount sale at your favorite grocery store? This time, we’re not letting you miss out on any sales! No more FOMOs this year, as in this episode, Jen and Jill explore the seasonal sale cycles of groceries and the best times to buy and stock up your pantry! 🎙️ Get full show notes here! https://bit.ly/3IznkQN  💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

While there’s beauty in your uniqueness, navigating a world yet to be designed for you can be quite challenging. In this episode, Jen and Jill discuss the struggles of a neurodivergent when it comes to personal finance and some helpful tips to manage your money. Flaunt your edge and claim the power you have over the system! 🎙️ Get full show notes here! https://bit.ly/435DXgu 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

In a time where indulgence in impulsive buying and consumerism is being equated with self-care, practicing frugality is harder than one may think. Frugality fosters a mindset and lifestyle of creativity, advocating for intentional spending. In this episode, Jen and Jill talk about how frugality encourages one to unleash their creativity in budgeting and saving with Miranda Anderson.  🎙️ Get full show notes here! https://bit.ly/4a1gHmh 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Is the produce from your local Farmer's Market more expensive than buying from a grocery store? Let’s learn more about farmer's markets and how to shop in them! In this episode, Jen and Jill discover the small yet significant differences between buying from a farmers market and a grocery store and ways to successfully shop from farmers. 🎙️ Get full show notes here! https://bit.ly/49AuKiy 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Shifting to digital is not new but also not that old, as most people are still discovering new things online. If you have heard of the terms ETFs, index funds, and bear markets and are having a hard time differentiating and understanding each of them, then you’re in for a treat. In this episode, Jen and Jill talk about investing for retirement, specifically using ETFs and index funds, and how it’s related to the “bear market.” 🎙️ Get full show notes here! https://bit.ly/3wARWig 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There's nothing you can't do now that you're in New York! 🎶 Just like the song, the streets of New York will make you feel brand new without breaking the bank. Tag along as Jen and Jill, together with Jen on a Jet Plane, list down travel tips and vacation destination dupes you can visit within the US and overseas that are affordable and enjoyable!  🎙️ Get full show notes here! https://bit.ly/49OJIBd 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There’s a popular saying that goes, “Spring is nature’s way of saying, ‘Let’s party! ’” and we believe so! Spring has sprung, but so do springtime spending traps. In this episode, Jen and Jill list spending traps, needs, and ways to budget during this season. 🎙️ Get full show notes here! https://bit.ly/4bKZij4 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

When does one step at a time get difficult? For us, it’s saving the first $100K. Building on an insightful discussion about all the math behind this, Jen and Jill share their thoughts on why this point marks a significant turning point in one's financial journey. Join your Frugal Friends as they continue the 6-week Roth IRA Challenge by discovering the reasons and ways to save your first $100K.  🎙️ Get full show notes here! https://bit.ly/3UOw2lE 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Got a job promotion and want to celebrate? Stay right there! We’re going to celebrate it with you. In this episode, Jen and Jill create a space with Meghan Dwyer on emotional spending through validation and healthily working our way through it. They dive into the topics of the common triggers, managing positive emotions, and curbing negative emotional spending. 🎙️ Get full show notes here! https://bit.ly/3SIVDcW 💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There’s no journey that has no successes, challenges, and most importantly, learning opportunities! Whether you’ve finished the no-spend challenge or you’re just planning to start, this episode takes you on a journey of celebrating new learnings Jen and Jill acquired through their no-spend January experience!  🎙️ Get full show notes here! https://bit.ly/3uvwzhw 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Investing doesn't have to be complicated. In this episode, Jen and Jill break down the basics of Roth IRAs and why they're a great option for saving for retirement. We also encourage everyone to take part in a 6-week challenge to contribute as much as possible to their 2023 Roth IRA before the tax deadline! 🎙️ Get full show notes here! https://bit.ly/3Untbjh 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Romance could show you incredible things like magic, madness, heaven, and sin. But in today’s special Valentine episode, Jen and Jill uncover a different kind as April Helm recounts 3 stories of romance money scams. The cautionary note is clear: "Love's a game, wanna play?" Be careful because your next mistake could be a big one.  🎙️ Get full show notes here! https://bit.ly/3ST0byY 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Why settle for cheap quality when you can have the best for less? No posh brand names and high price tags, but this episode is all about learning materials, durability, and all ways to acquire REAL reviews, not paid ones. Join Jen and Jill as they share ways to refine our ability in choosing affordable quality than cheap quantity.  🎙️ Get full show notes here! https://bit.ly/3SmCAoP 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Struggling with impulse purchases? In this episode, we dive deep into the psychology of spending, a topic that's not only fascinating but also central to our upcoming book. Jen and Jill explore the reasons behind impulse purchases and provide strategies to help combat them. We don’t just talk theory - trust us, this is a must-listen for anyone looking to improve their spending! 🎙️ Get full show notes here! https://bit.ly/490LKOH 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

The retirement topic always got people walking on eggshells. It’s mostly a tricky subject to bring up with our aging parents for a variety of reasons, and it’s only valid. In this episode, Jen and Jill, along with the creator of Waterlily, Lily Vittayarukskul, share about how planning for long-term care impacts us and the practices we can do to prepare ourselves as well as our parents for their long-term care.   🎙️ Get full show notes here! https://bit.ly/3SD9D9C 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Welcome to another insightful discussion! How's the progress on your New Year's financial resolutions? If you're still riding the wave of excitement and commitment to your goals, you're in for a treat. In this episode, Jen and Jill share valuable strategies that go beyond mere financial tips. They explore the power of mindset shifts, providing practical advice to help you not only set but successfully stick to your financial goals throughout the year. 🎙️ Get full show notes here! https://bit.ly/3u6fGtO 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

As the personal finance podcast industry grows every year, you might find yourself overwhelmed or confused by the contradictory and countless pieces of advice you hear. Frugal friends create a space for you to find the radical middle—discovering what is going to make sense for you and holding on to the tension of all the advice you receive. In this episode, Jen and Jill take us back to controversial financial advice coined as the “baby steps” or “blueprint” aligning the current status of our economy. 🎙️ Get full show notes here! https://bit.ly/3S0GtzI 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

What song has stuck in your head ever since you heard it for the first time? What if we told you how you think about finance is just like that song? In this episode, Jen and Jill break down ways to change your money mindset so you can stick with your financial goals, together with Paco de Leon’s fantastic financial advice. This episode isn't just a chat; it's an encouragement to create a fresh tune that aligns with your goals and guides you towards financial well-being. 🎙️ Get full show notes here! https://bit.ly/3vDjB1o 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

It has increasingly become harder to afford a house than to pay rent. But if you are determined to buy your dream house, this episode is for you! In this episode, Jen and Jill guide you into the complex and ever-changing housing market. Beyond the challenging landscape, they address critical questions, providing valuable insights for prospective homebuyers. 🎙️ Get full show notes here! https://bit.ly/423XCwN 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Many of us think buying generic brands means we’re being responsible with our finances, but navigating when to opt for off-brand versus name-brand can be a strategic decision between quality and savings. In this episode, Jen and Jill discover what experts in their field buy and Tiktok product review videos to know which products are worth our money.  🎙️ Get full show notes here! https://bit.ly/3S7F8Z4 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

They say it takes two to tango, and so do our finances! Even relationships with the strongest foundations struggle to manage their finances together. In this episode, Jen and Jill, together with Julia Lily, talk about steps to improve ways of managing money with your partner. 🎙️ Get full show notes here! https://bit.ly/3S6KZhl 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Did you add meal planning to your new year’s resolutions? Then let’s resolve this together with Jen and Jill as they share everyone’s favorite meal plan recipes, including their own preferences! In this episode, Jen and Jill guide you in creating a 2-week plan of food you want to eat with ingredients you may already have in your home.  🎙️ Get full show notes here! https://bit.ly/3RHfx7U 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

When you think about your life and ask, "Am I happy with how things are? Am I content with the life I have right now?" Do you say yes? It's tough to figure out what's just right for us without settling and feeling too complacent. We want to keep moving forward. In this episode, Jen and Jill walk us into the journey of contentment and share ways to use it as a tool to spend less and with intentionality. 🎙️ Get full show notes here! https://bit.ly/3vh2hPN 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Did you put "avoid any impulse spending" on your New Year’s resolution? Get on board as this episode shares ways to overcome overspending and curate a safe and healthy social media timeline for you! Hear from Jen and Jill, joined by Paige Pritchard, as they unravel the tricky world of social media, de-influencing, and spending mindsets. 🎙️ Get full show notes here! https://bit.ly/477xLEY 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Time flies by so fast, and we’re already at the end of 2023. Are you having a blast? We’re wrapping up this year with tips on budgeting to gear you up for the coming year. In this episode, Jen and Jill share helpful tips on not just planning your money better but also expanding it! 🎙️ Get full show notes here! https://bit.ly/3RjZw7q  💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Need something to freshen up your mind for the coming year? We've got you covered! In this episode, Jen and Jill deliver your requested book genre for the book club, which is all about minimalism, simple living, and cleaning up clutter. 🎙️ Get full show notes here! https://bit.ly/4awKvbx 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Picture a rich person. Do you see someone throwing cash while holding champagne on a yacht? A huge mansion with gold-painted door knobs? Let’s change that. In this episode, together with Vivian Tu, Frugal Friends are redefining "wealth," debunking rich people's myths, and instilling social responsibility to define yourself as rich or wealthy. 🎙️ Get full show notes here! https://bit.ly/3Rl4gK9 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Make it last forever, friendship never ends 🎶 But when you’re in your 30s, people have said it’s harder to build and maintain friendships, so how do we make it last forever? Frugal Friends Jen and Jill are now in their solid, spicy 30s, and in this episode, they unravel about recognizing the relationships in our lives and how they impact our money! 🎙️ Get full show notes here! https://bit.ly/418BUax 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

The most beloved budgeting app, Mint, is no longer going to be with us for next year. So in this episode, we’re checking out the other best budgeting apps as well as the worst! Jen and Jill list app recommendations judging from its ability down to the app’s promised data privacy, which are all accompanied by reviews from other fellow Mint users on Reddit. 🎙️ Get full show notes here! https://bit.ly/3TangOa 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

What can't your dollar bill buy? You probably thought of time, space, relationships, and just too many to mention! In this episode, we got creative as Jen and Jill bring you one of their favorite interviews they’ve ever done from their Frugal Living Summit 2021, an interview with Laura Oldanie on building wealth, permaculture, and the multiple forms of capital to earn and invest in. 🎙️ Get full show notes here! https://bit.ly/49HrNxc 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Advocating for yourself is your biggest weapon in managing your money, especially in investing. You might be confused with the different types of funds, so in this episode, Jen and Jill discuss mutual funds for you to be able to advocate for yourself with little to no help from advisors or experts! 🎙️ Get full show notes here! https://bit.ly/3SNruLm 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Found yourself buying all the different shades of lipstick but not one of them looks good on you? We will help you make up your mind on your next makeup and beauty shopping trip. In this episode, Jen and Jill give tangible tips on saving money for makeup and product recommendations! 🎙️ Get full show notes here! https://bit.ly/3QYsXgo 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

People tend to use and define financial freedom and financial independence interchangeably, which might be affecting how you view frugality. So what really is the difference? In this episode, together with Jen, Jill and our special guest, Jamila Souffrant, the host of Journey To Launch Podcast and author, we find out the difference and how frugality becomes a component in achieving your financial goals. 🎙️ Get full show notes here! https://bit.ly/47AtXNg 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Health insurance aims to lessen our healthcare expenses, yet ironically, it remains surprisingly costly for many of us. In this episode, Jen and Jill delve into the advantages and drawbacks of health share ministries, drawing from their own experiences with these plans. Join us as the Frugal Friends help you determine whether a health sharing ministry might be the right healthcare solution for you. 🎙️ Get full show notes here! https://bit.ly/49Bo1oY 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Has anyone ever told you that you have Big Impact Energy? Every action you make has an impact on a micro- to macro-level. Whether you’re on your way to the mall to shop for the Black Friday sale or you’re decorating for Christmas, this episode is not going to shame you for it; rather, we’re empowering you to make the best and most confident frugal decisions. 🎙️ Get full show notes here! https://bit.ly/3sv9xXd 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

You don’t need to own any property to host an Airbnb and make a couple of extra dollars along the way. This episode, Jen and Jill introduce you to the world of Airbnb rooms and co-hosting—it can be a full-time job or a profitable source of income while you keep your full-time job.  🎙️ Get full show notes here! https://bit.ly/46lVktq 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Not everyone wants to rock Steve Jobs’ all-black outfit or Mark Zuckerberg’s gray shirt paired with comfortable jeans every day; some want colors, statement accessories, or a funky pair of shoes! It’s important that we love the clothes we want to wear every day. In this episode, we identify principles for building the perfect capsule wardrobe and unravel the world of personal color analysis. 🎙️ Get full show notes here! https://bit.ly/3QM8Q43 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

In the era of ✨girl dinner✨ where not all of us love cooking or even have the aptitude and time for it, planning ahead for your meal is actually a big aspect of saving money, time, and effort. If you’re feeling lazy to cook, tune in as we figure out the reasons for making a meal plan and how to do it in ways that won't exhaust you and take up more of your time. 🎙️ Get full show notes here! https://bit.ly/3SsM4QY 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Health is a fundamental human right, yet the demands of healthcare costs go sky-high, becoming a source of financial strain and stress. In this episode together with Dr. Andrea Feigl, we're sharing the difficulties and demands of those who suffer from chronic illness in a micro- and macro-level aspect, as well as ways of advocating for themselves and their loved ones. 🎙️ Get full show notes here! https://bit.ly/3QjQmr3 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Managing money is riddled with complexities and uncertainties, and we tend to forget how easy it would all have been if we only did and saw things simply. The best things in life are always free and simple! This episode covers the what, why, how, and barriers to simplifying our finances, ALL SIMPLIFIED AND FREE! 🎙️ Get full show notes here! https://bit.ly/3Fv7e9l 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Order complete but does it make you FEEL complete? Unplanned purchases often get the best of us, but we’re not here to vilify those today. In this episode, we are digging deeper into the science behind your impulse spendings and ways to avoid it to have more intentional shopping.  🎙️ Get full show notes here! https://bit.ly/3s2Or23 💆🏻‍♀️ Win a $1,000 cash to “pamper yourself” in any way you see fit! https://swee.ps/LzZksMCOI 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

A sudden, huge deduction from your bank account is spookier and more terrifying than a ghost jumping out to scare you. In this Halloween special, we're reading you real horror stories that happen more commonly than we think! It’s money scam stories from real people that will hopefully help you identify scams so you won’t fall for them.  🎙️ Get full show notes here! https://bit.ly/402CHJv 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Financial gurus all over social media would tell you to not spend on your next takeout coffee or the food you’ve been craving for weeks, but we’re not here to tell you any of that. Being frugal is budgeting that does not have to be restrictive and deprive you of things that make you happy. This episode is going to be a great start and refresher for your values-based budgeting journey. 🎙️ Get full show notes here! https://bit.ly/3Qj22LU 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Clutter isn’t just a nuisance; it also impacts our brains. Having a space that feels complete and not cluttered leads to the brain feeling uncluttered, making it easier to make financial decisions. Let’s spice up the challenge of decluttering your home easily and quickly as we cover speeding up your decluttering process and popular minimalist challenges in this episode. 🎙️ Get full show notes here! https://bit.ly/48SqKKo 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Surprisingly, not a lot of people know how to run. Some think runners break their toenails when they join a marathon, or worse, urinate in the middle of it! Tighten up your shoelaces; we’re going for a run with Martinus Evans as he shares his journey in running, his goal of making it an accessible sport and fitness for everyone, and ways to spend less on your equipment. 🎙️ Get full show notes here! https://bit.ly/46Oug6V 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Always had a problem landing on your budget goal? Have you taken a detour that has affected your overall savings? All of this will lead us to the pit of our spending decisions. In this episode, we'll soar high and feel at ease as we put our good money habits on autopilot and become efficient with our next spending.  🎙️ Get full show notes here! https://bit.ly/48O2TeK 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Aliens will soon take over our world? No, it’s probably AI. As robots and AI continue to thrive in the digital realm, there are also ways we can incorporate them into our finances. In this episode, we dive into one of the most popular AI chatbots as of today, ChatGPT. Join us as we uncover ways for you to utilize them to save money by writing creative yet strategic prompts. 🎙️ Get full show notes here! https://bit.ly/3PNgvP4 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Adoption is a beautiful door leading for families to grow and change lives, but the road to one sometimes comes with complex and daunting challenges. A newly covered topic for this episode, we will get to know Amanda Koval, an adoptive mom of two children who has helped over a thousand families with their adoption journey. In this interview, we explore ways to plan finances when deciding to pursue adoption. 🎙️ Get full show notes here! https://bit.ly/46yZYER 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We are facing a worldwide economic crisis while still recovering from the pandemic that is gravely affecting most of us. Managing money intersects with our mental health, along with other life challenges we are trying to overcome. In this episode, we explore the reality and impact of inflation, its relation to our mental health, and ways to manage money with anxiety.  🎙️ Get full show notes here! https://bit.ly/45aPbj2 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

No one randomly forgets the season and goes out in shorts and slippers during winter. We prepare and embrace the season, just as we should with unexpected and inevitable life circumstances. While we make things happen, life can also happen to us. In this episode, we will honor our seasons and discover how we will use them to navigate our finances and goals. 🎙️ Get full show notes here! https://bit.ly/3EROUHf 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

When we talk about buying second-hand items, we automatically think of going to thrift stores or your neighbor’s yard sale, but there is a hidden gem of the resale world that often goes overlooked: estate sales. In this episode, we introduce you to estate sales’ own flavor of goodness in buying secondhand, ways to find and engage in them, and our very own experiences on hosting and buying on estate sales. 🎙️ Get full show notes here! https://bit.ly/463yiZ5 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Ready to challenge yourself for a No-spend October? As we bid farewell to this month, we will soon feel the festive spirit of the remaining holidays of this year. The biggest obstacle to success in this challenge is your commitment and discipline, but the Frugal Friends believe in you. Together, let’s discover ways to prepare for your next no-spend challenge and the secret to finishing it with success! 🎙️ Get full show notes here! https://bit.ly/3sWU3uN 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Wanna level up your negotiation game? We've got you covered. In this episode, Jen and Jill discuss the power of negotiation and how it can help save money, earn more, and improve people skills. Don't miss it as we share valuable tips on identifying negotiation opportunities, gathering information on deals, and learning how to negotiate like a pro. 🎙️ Get full show notes here! https://bit.ly/3r9iK72 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Self-publishing is a game-changer— empowering aspiring authors and writers to fully take control of their literary dreams and passions. The best part of it is that you can still embark on this side hustle with frugality! Dive into this new side hustle and explore all things self-publishing with M.K. Williams, a full-time self-published author and creator of "Author Your Ambition." 🎙️ Get full show notes here! https://bit.ly/480fEm3 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

It takes both knowledge and practice to fully understand and live by what you have learned. While we always talk about frugality, we also want to teach you how to adopt a frugal mindset. Allow yourself to be curious in this episode as we break down ways to live with a frugal mindset, the barriers, and its importance in making smarter financial decisions. 🎙️ Get full show notes here! https://bit.ly/3sQMPsu 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Self-care and wellness have become buzzwords on social media, but along with healthcare, most of the costs can feel sky-high. But trust us to spill the beans on how you can pamper yourself and stay healthy without emptying your wallet, or even better, without having to spend anything at all! Jen and Jill will tell you all the tips and juiciest secrets on getting self-care and healthcare treatments at a low cost or for free. 🎙️ Get full show notes here! https://bit.ly/3r44Brt  💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Many people fear using their credit due to misconceptions surrounding this strong financial tool, not realizing the power of having a good credit score to save money. There’s no need to run off when you hear the word credit, because Michelle Lambright, founder of CreditWriter and a leading credit speaker and expert for more than two decades, is going to enlighten you on credit scores, the system, how to improve them, and their benefits for our finances. 🎙️ Get full show notes here! https://bit.ly/45zsxSa 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There are a wide range of personal finance books teaching you about money numbers and mathematical equations to guide you to your financial goals, but our minds have a lot more to do with our personal finances than math does. Tune in as the Frugal Friends will give you another round of interesting book recommendations that excellently discuss the intersection of the psychology of money and personal finance. 🎙️ Get full show notes here! https://bit.ly/45QbKKL 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Student loan interest is just around the corner, and as always, we've got your back! This won’t just be about your debt; it is for everyone trying to incorporate their student loan payments into their budget and financial goals. In this episode, let’s talk about all things student loans, debt, and prioritization to live an intentional and values-based spending life! 🎙️ Get full show notes here! https://bit.ly/45Hcmm8 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Women, especially mothers, often struggle to recognize their worth because of the expectations society has bestowed on them. In this episode, Cat Collins, an award-winning blogger, writer, speaker, and mom, unravels with us what women, especially moms, are capable of doing, from their finances to all aspects of their lives as mothers— which is more than they ever thought. 🎙️ Get full show notes here! https://bit.ly/45NeZmp 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Life always takes us by surprise, and every now and then, it blesses us with windfalls. Whether you receive rebates, tax returns, a loved one leaving you an inheritance you didn’t anticipate, or even a stroke of luck in the lottery, these windfalls can leave us both excited and wondering what to do next with them. We will win you over with another rich episode as we guide you in knowing the next wise and most frugal way to manage the money you have unexpectedly received. 🎙️ Get full show notes here! https://bit.ly/45AEW8k📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

In a world constantly trying to find and stick with its extremes, why not enjoy the best of both worlds? The radical middle applies to both our financial decisions and the choices we make every day. In this episode, Jen and Jill share the definition of the radical middle, its importance to our finances, and applying it to our lives–not just the middle but all sides of finding the radical middle.  🎙️ Get full show notes here! https://bit.ly/45fy68N 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Make your Disney dreams come true! Jen & Jill team up with Disney expert Lou Mongello to uncover the ultimate secrets of doing Disney on a budget. From trimming down ticket costs to revealing the secrets behind scoring budget-friendly hotels, dining, and adventures, we've got all the insider tips to make your Disney experience unforgettable. Grab your mouse ears and listen in. 🏰 🎙️ Get full show notes here! https://bit.ly/3OCioNV 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/  See omnystudio.com/listener for privacy information.

In this episode, Jen and Jill delve into this thought-provoking subject: the feeling of struggling financially despite having a substantial six-figure income. Join us as they discuss the mindset behind feeling "broke" and explore why it seems like our income never quite measures up to our expectations.  🎙️ Get full show notes here! https://bit.ly/3OS0Uye 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Join Jen and Jill as they talk all things rent! With rent prices increasing across the board, finding ways to cut expenses on housing is crucial. Discover the latest trends in housing preferences and learn some tips to save money on rent such as knowing the market and practicing negotiation. And don't miss the hilarious "slow twerking" technique! 🎙️ Get full show notes here! https://bit.ly/3DOJfBi 💌 Want to save money and spend better in just 5 minutes? https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

You're in for a frugal fiesta in this special Frugal Friends episode! Jen and Jill revisit their 2021 Frugal Living Summit interview with Poised Finance Lifestyle's millennial Latina mom, Sahirenys Pierce, who shares her High-5 Banking Strategy that simplifies your savings. Give yourself a high-5 today! 🎙️ Get full show notes here! https://bit.ly/3QpU8kC 💌 Want to save money and spend better in just 5 minutes?https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Hesitating to buy a new car? Guilty of spending money on a latte on your way home? Discover guilt-free and unashamed spending habits through your own values. Learning how to spend with intention does not only benefit our finances but also our overall well-being and connections with other people. In this episode, Jen and Jill laid out the blueprint for values-based spending and its significance in living an intentional frugal life. 🎙️ Get full show notes here! https://bit.ly/3O8TCop 💌 Want to save money and spend better in just 5 minutes?https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

People that are frugal are frequently labeled as bad tippers or cheap. When the pandemic struck, tipping became a hot topic, sparking deeper and more complex discussions about gratuity. As your best frugality companions, we'd like to dispel the idea that we're bad tippers. This episode will help you become a better tipper by making you wiser and more well-informed about it. 🎙️ Get full show notes here! https://bit.ly/3pUimsd 💌 Want to save money and spend better in just 5 minutes?https://www.frugalfriendspodcast.com/friendletter 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Join us in this episode as we chat with Brad Barrett, co-host of ChooseFI, about the ever-evolving concept of financial independence. In this conversation, Brad shares how things have evolved over the past decade and what financial independence means today. Whether you're new to the concept or looking for new perspectives, we've got valuable insights and practical tips to help you on your journey to financial freedom. Don't miss it! 🎙️ Get full show notes here! https://bit.ly/3DtWR4R 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Which is more realistic: unicorns or a budgeting philosophy that's tailored to your values? Clearly, it's the values-based budgeting approach. In this episode, we guide you through identifying your core values, evaluating your spending habits, trimming what doesn't align, and how you can start living the life you want RIGHT NOW. Join Jen and Jill as frugality meets purpose in this episode. 🎙️ Get full show notes here! https://bit.ly/3O73EqZ 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Calling all personality test nerds! Today’s episode explores spending habits through a fresh, fun lens - Enneagram types! These bad boys not only reveal your personality type but also provide a sneak peek into your spending style. It’s like having a secret weapon to power up your money moves! Tune in to Jen & Jill and discover how your Enneagram type can change the way you approach your finances. 🎙️ Get full show notes here! http://bit.ly/3XCuFpy 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Want to turn your love for numbers into a money-making side gig? Try bookkeeping! In this special Frugal Side Hustle episode, Kate Johnson joins Jen & Jill to get into the art of bookkeeping. Learn everything you need to know to kickstart your bookkeeping journey and unlock the potential for a thriving side hustle! Listen in as Kate, Jen, and Jill explore the ins and outs of bookkeeping. 🎙️ Get full show notes here! bit.ly/44vcS5L 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Caught yourself staring at your filled online shopping cart? Received another discount premium membership email on your go-to online site? Maybe it’s time we reignite our creativity, as this episode offers plenty of options before you click checkout on your Amazon cart. Prepare your notes as Jen and Jill give ways to reduce our online shopping and offer alternative sites you can browse through on your next shopping!  🎙️ Get full show notes here! https://bit.ly/44nfD9r 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/  See omnystudio.com/listener for privacy information.

Sun out doesn't mean funds out! Join us as we embrace the sunshine and dive headfirst into the world of frugal summer living. In this lighthearted episode, Jen and Jill talk about how summer can trigger more spending, how to stay on budget, and unique ways to take advantage of this hot season. Whether you're lounging by the pool or road-tripping to a hidden gem, we've got you covered. 🎙️ Get full show notes here! bit.ly/3XhmazX 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

HIStorical misconceptions will tell you that women are only interested in shopping rather than handling their finances. Well? That’s not the case for HERstory. Women today hold a lot of wealth in the economy, and the number is still growing. Together with your favorite frugal ladies and Jean Chatzky, this episode deconstructs the misconceptions about women and money, talks about the new generation of women, and how to build, grow, and manage the wealth that empowers the woman in them.  🎙️ Get full show notes here! https://bit.ly/42mKBgv 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

You have a new message from the Frugal Friends! A new month has come by, and so do the dreaded monthly bills. The phone bill is one of the monthly bills some may consider fixed expenses. However, there are no expenses that you cannot lower if you get creative. Join us as we explore the answers to the hundred questions about the seemingly increasing phone fees every year and how we can save on our phone plan.  🎙️ Get full show notes here! https://bit.ly/3oHdqGN 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Unlocking the key to smart ways of handling your finances begins with understanding the power of habits and their impact on your life. Habits are not easy to bend and break, and there’s always continuous effort to change certain aspects to replace them with something better. Join us in this episode as we identify the causes of why we overspend, acknowledge these mistakes, and break and replace them.  🎙️ Get full show notes here! https://bit.ly/45GZBJ2 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Did you know that most marketing companies in the US during the early 1950s focused heavily on recycling materials? In today’s linear economy, most companies push customers to buy convenient yet unnecessary things that are easily disposed of. Let’s change our ways as we learn more about the Circular Economy, its impact on our environment, and how you can save money by engaging in it! This interview with Ronen Gonen answers how we can aim at practices in which we can be financially and environmentally responsible.  🎙️ Get full show notes here! https://bit.ly/3oTwKjI 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Attention all the fine single ladies! Managing your finances alone always carries a huge burden for singles as many people believe that being single puts them at a greater risk for financial insecurity in their later years– but we think differently. Why? There are just a lot of women who are slayin’ their financial goals regardless of their relationship status. In this episode, we discuss the realities and difficulties of being one.  🎙️ Get full show notes here! https://bit.ly/3Nin6kA 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Have you ever looked at the latest vacation photos on your social media feed, wondering when you’ll be able to experience traveling without worrying about your finances? It’s time to stop hesitating, as this episode traverses the map and guides you to your dream destination of full-time travel on a budget. Come and get ready for a frugal adventure-packed journey with us! 🎙️ Get full show notes here! https://bit.ly/3HfRGYj 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

While honesty is a component in solidifying relationships, Caroline had to keep some financial secrets from her husband to make their finances work (because married life is not always filled with great laughter and romantic late-night talks.) Still, there is a greater challenge in fulfilling one’s role in the marriage and responsibility with their family. In this episode, we hear from Caroline about why and how she kept financial secrets and what it meant for them.  🎙️ Get full show notes here! https://bit.ly/41Fb1JU 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Hearing people’s stories about their finances can elicit various reactions. One may think it’s unrealistic or unattainable, but hearing their stories can give us the perspective that improvements and success do not happen overnight. If you have been with us for a while now, you know that we love hearing your stories of frugality, budgeting, paying off debt, and just your financial stories! In this special episode with Allison, we talk about everything we have learned from all walks of life and their budgets.  🎙️ Get full show notes here! https://bit.ly/44qoYy5  📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

As shocking as it may be, your finances are not stressful to manage, and it shouldn't be! The world has made handling our money complex, becoming a source of negativity and stress. In this special episode with Allison Baggerly, let's shift our perspective on money and learn how to approach finances easier, less stressful, and with a bag full of confidence.  🎙️ Get full show notes here! bit.ly/3W5FQpQ 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We're not out here giving empty promises on how being a Virtual Assistant is a solution to all of your problems and that you'll never be sad again, but if you ever find yourself looking for some flexible ways to earn extra income, you won't want to miss this episode. Tune in as we dive into the world of virtual assistance with Shatoria Smith and learn how to turn your spare time into a profitable side hustle. 🎙️ Get full show notes here! bit.ly/41HcEXV 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Success does not happen overnight nor does it happen without any plan or preparation–it’s in the systems. Planning and prepping go hand and hand, and we’re going to create systems in place. We do believe that Sundays are your rest days, so in this episode, we’re going to share actionable tips which you can do little by little without exhausting yourself.  🎙️ Get full show notes here! https://bit.ly/3ow4xiN 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Summer is the perfect time to soak up some financial wisdom your way. Get ready for these HOT books to fill in your library this season! Tune in as we recommend personal finance reads to make the most of your summer and discover new things that will equip your finance in the coming seasons.  🎙️ Get full show notes here! https://bit.ly/41tHQd1 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There’s always something to negotiate for, and it takes courage to do so. If you’re hesitating to ask for an increase or negotiate your work benefits, this episode will boost your confidence and make you feel your worth in your job. Tune in to learn from Rich Jones’ expertise on intentional strategies to increase your income, and take steps towards advocating for yourself in the workplace. 🎙️ Get full show notes here! http://bit.ly/3KVBzRZ 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Do you ever think how amazing it is that we make thousands of micro-decisions a day?! The bad news: this comes with our willpower reserves all dried up by the end of the day. While we have a powerful mind capacity, it isn’t running on unlimited power. This episode explores the psychology behind our spending behaviors and the ways to acknowledge and empower our thoughts, feelings, and behavior to help us stick to our budget more effectively. 🎙️ Get full show notes here! http://bit.ly/3mtEGqR 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Raise your glass to the 5 incredible frugal years (and counting) you have been with us! In every great show comes spectacular stories and secrets behind making it. We’re letting you take a peek at what goes behind the Frugal Friends podcast and how we became your best friends on personal finance through the personal questions you sent us. As always, we will relate our answers to YOU because you have always been a massive part of this 5-year journey with us.  🎙️ Get full show notes here! http://bit.ly/3KvqNjY 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Clutter costs a lot of money and can tremendously affect people's lives more than we realize, and Ingrid Jansen has seen it all. Letting go of what you don't need frees up space, time, and resources to focus on what truly matters. In this episode, we're discussing how to define clutter, understand how to get rid of it, and explore its impact on your finances and life. 🎙️ Get full show notes here! http://bit.ly/3nFfyh9 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Ready to learn some money-saving tricks that stood the test of time? Look no further than the frugal living tips from the Great Depression. We don’t have to live in the great depression or go through great extremes to be frugal, but the principles from the generations before us can greatly help us in these trying times. Hop in as we bring back some awesome and helpful frugal tips from the great depression!  🎙️ Get full show notes here! http://bit.ly/3M7g4ig 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Have you ever felt guilt eat your thoughts after you say “No” to an invitation from a family? Shake it off! We’re stacking BOUNDARIES in this episode to acknowledge the reality of saying NO, how you can be assertive when making decisions, and just saying NO in a way that preserves relationships and still allows you to take control of your time & money. 🎙️ Get full show notes here! bit.ly/3JKBDCh 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Healthcare should always be at the top of our priority when budgeting and going abroad may be one thing you have considered to acquire quality healthcare. We're going to pop the question so you don't have to: is medical tourism the most ideal option if you want to save medical expenses? In this episode, we learn about Medical Tourism objectively with Dr. David Vequist, the Founder and Director of the Center for Medical Tourism Research. 🎙️ Get full show notes here! http://bit.ly/3lvxiuF 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Are you looking to make a bigger impact on the environment without breaking your budget? Frugality and sustainability aren’t always paired when being marketed, but in reality, they’re more aligned than we think. Earth Day is approaching, and we want to prepare you in this episode for frugal ways while being eco-friendly!  🎙️ Get full show notes here! bit.ly/3mW81Kq 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

You are not your low income, and we will prove it to you as we help you identify alternative ways of saving when you’re on an extremely tight budget. Remember living on a tight budget and on a low income is not a place we want to live long-term. We will be your cheerleaders for this episode to increase your potential and encourage you to have a more positive mindset.  🎙️ Get full show notes here! http://bit.ly/3mU2ofI 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Are you paying too much for groceries? With grocery items soaring due to inflation, knowing these expert-approved strategies is more important than ever. Together with Gina Zakaria, it is our mission to help you maximize your savings and keep your grocery budget in check. In this episode, we'll ensure your next grocery visit will be less stressful and more intentional!  🎙️ Get full show notes here! http://bit.ly/3ZRcdtq 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Debt is already overwhelming as it is but more so when it’s higher than what you make in a year. In this episode, we’re walking you through some practical steps to take, things to consider, and some truths about debt and income that will combat the lies your head might be telling you, so you can take to get on track toward becoming debt-free. 🎙️ Get full show notes here! http://bit.ly/3SXeVuY 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Spring is in the air and so it's time to get your finances in order! Let’s embrace the season by taking advantage of some ways of frugal living and saving up. So sit back, relax in your PJs, and grab a tea as Jen & Jill enumerates plenty of unique tips for frugal living and cleaning your finances for spring. 🎙️ Get full show notes here! http://bit.ly/3F0q4pc 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Starting a cleaning business is inexpensive that's why it’s one of the fastest-growing industries since the pandemic struck us. We often don’t hear about cleaning businesses as much as the popular side hustles that are digital, but for those who are drawn into hands-on side hustles, this one’s for you! Listen as we talk and deep dive into setting up your own cleaning business as a side hustle with Ken Carfagno.  🎙️ Get full show notes here! bit.ly/3ZekcAz 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Simplicity goes a long way. Do you know that adopting simplicity in your life can help you free up more money for what matters most to you, improve your relationships, and your health? In this episode, let’s take a few minutes to discuss the science of simplicity, its benefits, and how you can simplify your life to spend less. 🎙️ Get full show notes here! http://bit.ly/3IrXldJ 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Age doesn’t matter, especially on the topic of retirement. If you feel like you have nothing saved or you’re starting late on saving for your retirement, don’t worry, we’re here to give you practical tips and encouragement on your journey. In this episode, we're covering what may happen if you haven't saved for your retirement yet and how to make the most of your investment and ensure a comfortable retirement even if you're starting late. 🎙️ Get full show notes here! http://bit.ly/3ZdIfzi 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Many people think going plant-based IS expensive, but we’re here to challenge this misconception. A significant portion of our income goes to buying food, and many of you are interested in eating healthy while being conscious of your spending. In this episode, we delve into eating a plant-based diet while on a budget together with Toni Okamoto.  🎙️ Get full show notes here! https://bit.ly/3KsFJRC 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

No one was spared from how the pandemic changed the landscape of many industries, one of which is the reality of buying a car. In this episode, we recognize and acknowledge the current landscape of car payments and what we can do to become wise and discerning in pushing through an auto loan.  🎙️ Get full show notes here! http://bit.ly/3XGsDTN 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

A lot of people believe that the more you work, the more you make money. But we only have a limited capacity to do so. Self-employed individuals, small business owners, side hustlers, and those who want to start up a business, WE HEAR YOU. We all know how tricky budgeting can be when your income is irregular. So in this episode, we’re talking about the nuts and bolts of why you should budget and how to deal with your irregular income.  🎙️ Get full show notes here! http://bit.ly/3XwieK9 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Eating healthy should be manageable and easy, so we want to make it easier for you. A classic episode wherein we slice and dice eating more nutritious and affordable food with Cassy Joy Garcia. Cassy’s approach to meal prepping makes it attainable for you who may not have all the time of the week! 🎙️ Get full show notes here! http://bit.ly/3XuX7bk 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We love no-spend challenges for what they can do, but we hate no-spend challenges when done poorly. The no-spend challenge may not be for everyone so hopefully, by the end of this episode, you can get an insight into whether or not you should do a no-spend challenge by looking at its benefits, dangers, and arguments against it.  🎙️ Get full show notes here! http://bit.ly/3jRfN7q 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Money can be a tough subject to talk about but it's time to open up the discussion about the relationship between our parent's finances and the money habits we have today. In this episode, we encourage our frugal friends to embrace the awkward yet meaningful conversations about how our parent’s finances have shaped us and how we can continue to make smart decisions with our own money.  🎙️ Get full show notes here! http://bit.ly/3Yy8gc5 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Planning your next trip? If you want to save money on your next vacation and don't want to use credit, you're going to love this episode with Chris Hutchins! We're going to talk about some simple hacks that can help you save huge on your next vacation that goes beyond finding cheap flights, travel reward points, and hotel costs. 🎙️ Get full show notes here! http://bit.ly/40nhb1Q 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

How can we take care of our kids while also modeling the things that will be beneficial for our future lifestyle? It’s not easy to instill a frugal mindset while being a parent, as you will have to consider your children in every decision you make. This episode goes deep diving into the benefits of a frugal lifestyle and how we teach them to our kids.  🎙️ Get full show notes here! http://bit.ly/3XWqiF5 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Motivation is elusive yet a sought-after feeling for most of us. Stop blaming yourself when you feel your motivation has depleted, that’s completely normal! This episode is all about working with our psychology (not against it) and figuring out how we can get back in control of our emotions so we can start making progress toward our financial goals. 🎙️ Get full show notes here! http://bit.ly/3WLqwxy 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Liberate your life by living less and being authentic. This episode is one of our most watched and anticipated interviews from our first Frugal Living Summit in 2021. Christine Platt also known as the ‘Afrominimalist’ shares with us how choosing authenticity and living less isn’t just liberating but how less IS liberation.  🎙️ Get full show notes here! http://bit.ly/40jntQi 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

If you buy new clothes frequently, you might want to consider how you have been taking care of them. In this episode, we are talking about preserving the longevity of your clothes more than mending them. We’re also taking a closer look at taking care of your clothes without sewing.  🎙️ Get full show notes here! http://bit.ly/3H5A8xm 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Our habits can get the best of us and affect our spending intentions. As we end the first month of the year, we're sharing with you some ways to interrupt those impulse spending habits and tips to get to know ourselves better on why we circle back to them. 🎙️ Get full show notes here! http://bit.ly/3WlN9bB 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

You might have heard about Salesforce in the past without knowing much about it. It’s not just about tech nor it is solely about sales as this industry is actually quite in demand and significant within businesses. Together, let’s unravel the hidden gem of this side hustle that can take you to the top quicker than you can imagine.  🎙️ Get full show notes here! http://bit.ly/3ZIGds4 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Coziness to us always meant the winter season, a fluffy blanket and a warm cup of coffee but the concept of Hygge begs to differ. We’re happy to wrap and warm you up in this most requested episode about ‘Hygge’, what it means, putting it into practice and how this aligns with frugality and financial independence.  🎙️ Get full show notes here! http://bit.ly/3GFVi4Q 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

It can get confusing and overwhelming when deciding which debt you should pay off first. In this episode, we talk about finding out the strategy and plan that is the best fit for you. There are standards and nuances where you can change the order of paying your debt so we’re here to talk about both— and you might even find the best one somewhere in the middle of the standard! 🎙️ Get full show notes here! http://bit.ly/3WXtvDX 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Only a few people fully understand their workplace retirement accounts: 401(k), 403(b), and 457(b). Retirement accounts can be quite intimidating to be dealt with but each of them is very similar and important. Together with our good friend, Delyanne Barros, let’s talk about the differences between these accounts and what you should do with yours, how yours differs from another one, and having multiple accounts.  🎙️ Get full show notes here! https://bit.ly/3k1Y6lj 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Values-based spending is not new in the Frugal Friends Club as you may have heard us mention it innumerable times before. In this another foundational episode, allow us to take you through the deeper aspects of values-aligned spending such as knowing how to identify it, putting them into practice, and making sure your spending is truly aligned with your values.  🎙️ Get full show notes here! http://bit.ly/3vH8H7F 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Sometimes we find ourselves stuck in a cycle of doing things we don’t intentionally want to do and to make things worse, we think we’re incapable of breaking it. We may not have all the answers for you but this episode will surely have you questioning yourself, spending habits, why it happens and how do you keep track of it.  🎙️ Get full show notes here! http://bit.ly/3Ii0u1m 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

What matters to you the most right now? As we enter another year of new beginnings, we reassess once again our values and priorities to align them with our new year’s resolutions. Starting our year with a bang as we had a talk with Kendra Adachi whose philosophy and systems were aligned with the Frugal Friends and offered great insights on the “Lazy Genius Way” to adopt in managing money.  🎙️ Get full show notes here! http://bit.ly/3WvnsGm 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Starting to feel that dreaded holiday spending hangover? No matter what your December looked like, January is the opportunity for a fresh financial start. If you're looking to pay off your credit cards fast or just do better with money this year The Frugal Friends are here with our Best Money Saving Tips For 2023 and beyond. In this episode, we're not regurgitating overused tips you can find on Google, we're talking about the four most significant changes you can make this year to save thousands now and tens of thousands long term. 🎙️ Get full show notes here! http://bit.ly/3hNLe1l 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

History does repeat itself and there’s not a lot you can do to keep it from happening other than knowing what to do and how to prepare for it. This episode will cover our Top 4 Financial stories of 2022 and what they have taught us as it has been another unique year for our finances. Let’s reflect, have a deep dive and learn as we go back to some of the financial news we’ve heard throughout this year.  🎙️ Get full show notes here! http://bit.ly/3PImfc7 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Here’s a spicy and flaming hot gift from us to our dearest Frugal Listeners! Every year, Jen and Jill answer the burning questions you have set for them. The questions may get specific as we go through each of these 6 questions for this listener special episode.  🎙️ Get full show notes here! https://bit.ly/3PuGwBU 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

It’s never too late to start making your goals for the new year! We’re here to inspire you to make paying off your debt one of your financial goals for 2023. In this episode, your Frugal Friends Jen and Jill reiterate and emphasize some of the reasons why you should get out of debt and that it is not just to ease your financial burden but also, your overall well-being.  🎙️ Get full show notes here! https://bit.ly/3HxIOOX 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Books can be our turn for escape, rest, knowledge and tangible tools that open us to an endless of opportunities and possibilities. Here are 4 books you may want to read as we enter a new chapter of our lives in 2023 with a strong-willed frugal mindset.  🎙️ Get full show notes here! https://bit.ly/3BgtQJ2 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Frugality intersects with so many things but our personal trinity in the Frugal Friends would be Frugality, Sustainability and Minimalism. The convergence of this trinity not only talks about managing money but also the lifestyle we can aim and aspire. Join us as we do a deep dive with Stephanie Seferian about “the trinity” and how they align to live your best frugal life.  🎙️ Get full show notes here! https://bit.ly/3W2i9O0 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We all know you hate bills but here, we try to love our bills. Today it’s about bills, bills, bills–all bills you pay monthly or maybe you should be saving for. Hop on as this episode we may challenge you to try some things you may already know but did not think were applicable when it comes to saving money.  🎙️ Get full show notes here! https://bit.ly/3H97lJZ 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

As the season of thick blankets and warm drinks are fast approaching us, we are going to drop some hot takes on frugal living tips for winter. There are a lot of reasons why it can be a tough time for most people but there’s just as much benefit that this season will offer to our budgets and wallets. Get cozy as we warm you up with another lively and insightful episode with Jen and Jill!  🎙️ Get full show notes here! http://bit.ly/3GWCuQq 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

You may not even notice but we negotiate with a lot of things! May it be negotiating prices on Facebook marketplace or deals on self-employment, we all have been there. If you think you’re bad at negotiating or even if you are good at it, you are required to hop in for this episode with Mandi Woodruff-Santos in negotiating a higher salary in any field.    🎙️ Get full show notes here! http://bit.ly/3V8blhG 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Say no more to takeouts after a long busy day or a cold chilly night, coz ‘tis the season for freezer meals. All about Meal Prep Freezer Meal edition such as freezer meal prepping, cooking, and eating, we’re going to talk all about it in this episode that will have you stocking up your freezer and keeping it full! 🎙️ Get full show notes here! http://bit.ly/3tT9fX4 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

It’s that season again and this time we’re pushing back the vanity, obligatory, and first-hand brand-new gifts that we feel like we need to give to our loved ones. Today we are going to break the norm and normalize secondhand gifting. In this episode, let’s get creative and improvise as we gear up for the season of gift-giving.  🎙️ Get full show notes here! https://bit.ly/3EHTngA 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We love the things that money can provide us (to an extent) but there are times when we think we love spending–well, that’s certainly far from the truth. This is when we realize that they might be our emotional spending. Today we are bringing you back to Jen & Jill’s favorite episode about emotionally charged spending with Leslie Tayne that hopefully will help you by the end of it to have power over your emotions and to acknowledge these feelings in a positive and healthier way.  🎙️ Get full show notes here! https://bit.ly/3NTwycD 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Coups, coups, and some more coups. Because coupons are still cool! But extreme couponing? We're not sure. You'll hear a lot of funny stories throughout this episode so stay tuned as we talk about the complete beginner's guide to modern couponing and the best couponing apps for 2022 out there.  🎙️ Get full show notes here! http://bit.ly/3TyVqrk 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

The way we see and handle our money can be traced back to our childhood. Money mindset is a listener favorite in the Frugal Friends and as always, we hear you. Things got vulnerable in this episode as Jen and Jill go through super tangible tips on shifting mindset by recognizing the common negative thoughts we would have about money and releasing beliefs that have held us back.  🎙️ Get full show notes here! https://bit.ly/3E8Xx0G 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

A gateway to eventually achieve income flexibility without doing it full time: Freelance Writing. Together with Miranda Marquit, this episode will open your eyes to the level of accessibility this side hustle offers, especially, if you enjoy and are competent in writing. You do not need a fancy writing degree, or prolific spelling and grammar. As long as you enjoy and are competent in writing, you might find yourself considering freelance writing by the end of this episode.  🎙️ Get full show notes here! https://bit.ly/3t6XvQk 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Whether you are paying off debt or not, we are all here to get a better grasp and to feel more confident about our spending. In this episode, other than repeating your mantras or affirmations, there is a far more powerful yet simple method to get things your way: gratitude journaling. 🎙️ Get full show notes here! https://bit.ly/3Fy7DsQ 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Nothing gets our ears perked up more than the word “FREE.” We love free and ACTUAL useful stuff because who doesn’t? Buy Nothing Groups are a great way to get things for free and to pass on things you don’t need. In this episode, the Frugal Friends are excited to do a deep dive into them as they share the purpose, alternatives, problems you may encounter, and useful tips on joining buy nothing groups.  🎙️ Get full show notes here! https://bit.ly/3W1MjlA 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Getting ready for Open Enrollment this year? We hear and understand you. Switching or having additional healthcare plans takes thorough decision-making. In this episode, we wanted to create an easier pathway toward understanding how to save money on health insurance. Your Frugal Friends, together with Eileen Dougherty, piece together the whats and hows of saving money during Open Enrollment. 🎙️ Get full show notes here! https://bit.ly/3yR80L0 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Shockingly, not a lot of people know enough about sinking funds when it comes to saving and we are here to change that. Jen and Jill take you to another informative yet fun-filled episode on saving money, emergency, and sinking funds. We’re going to deep dive into its importance, differences, purpose, and what you should do to start one.  🎙️ Get full show notes here! https://bit.ly/3SlgFfx 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There’s a widely held belief that people cannot pursue their ambitions in starting their side business outside their workplace or that they need to let go of their job to create a business. They’re all false. Today is about what mindset shift we need and strategies we can use to make more money outside the workplace while not selling ourselves to an app. We are going to water and give a little bit of sunlight to the ideas and skills within you. 🎙️ Get full show notes here! https://bit.ly/3Sq7ETm 📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

If you have listened to our Book Club Episode, one of the books we have mentioned is "The Behavior Gap'' by Carl Richards. So to further talk about how insightful this book is, we invited him to our show to talk about behavior gap, values-based financial choices, and finding the answer to the phenomenon of ‘why you don't do what you say you want to’. Join us as Carl Richards makes complex financial concepts that are easy for us to digest.  🎙️ Get full show notes here! https://bit.ly/3dvWEot 📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Now that travel has opened up after the pandemic struck the world, we bet you're also excited to travel again! In this episode, we're covering frugal traveling in this new era of travel. Stick with us as we run down why budget travel not only saves you money but shifts your mindset in the best way possible. 🎙️ Get full show notes here! https://bit.ly/3EN6TQg 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

It's not a secret that time management relates to managing money--- how you budget your time can say a lot about how you manage your finances. In this episode, Frugal Friends wants to help you understand the relationship between time and money spending, in order to manage both in a more beneficial way for you. 🎙️ Get full show notes here! https://bit.ly/3rRwFv5 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

The idea of practicing money in simplicity sounds a bit complicated but who doesn't want to live a simple life? Keeping it uncomplicated is what we love in Frugal Friends. Join us with our guests, Bob and Linda who encourage us to find a joy-filled and purposeful point that is life-giving, earns us money, and provides for those who are in need. 🎙️ Get full show notes here! https://bit.ly/3dz7biE 📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Ordering takeout to satisfy your cravings is thrilling for a moment until you see your bill. Takeouts should not make you feel regretful, you just need a little bit of planning to fully relish it. In this episode, the Frugal Friends still wants you to enjoy the comfort of food delivery apps and takeouts as we give you the easiest and best ways to save money on takeout food.  🎙️ Get full show notes here! https://bit.ly/3ebw6sH 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Cleaning your home should not always require you to drive to the nearest store and purchase the most expensive and branded supplies. Sometimes, a few tools and products you might already have in the kitchen can work magic for you. In this perfectly timed episode, Jen & Jill share useful, frugal and worth-it home cleaning tips to save you tons of money and time.  🎙️ Get full show notes here! https://bit.ly/3Cp7W7k 📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

As the deadline for the Public Service Loan Forgiveness (PSLF) Waiver draws near, we offer you an important episode breaking down the myths, steps, and ways to get your application approved. If you remotely think you might be able to benefit from this or are on PSLF and there are payments you don’t think qualify, you have to listen to this episode. We’ll get to hear straight from Nika who is working within that program and is in her debt payoff journey, a comprehensive explanation of PSLF and the things we need to be aware of.  🎙️ Get full show notes here! https://bit.ly/3xRLLUN 📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

The way we see and handle our money can be traced back to our childhood. Money mindset is a listener favorite in the Frugal Friends and as always, we hear you. Things got vulnerable in this episode as Jen and Jill go through super tangible tips on shifting mindset by recognizing the common negative thoughts we would have about money and releasing beliefs that have held us back.  🎙️ Get full show notes here! https://bit.ly/3BxJmzM 📑 Get our FREE Modern Frugal Living eBook here! https://www.frugalfriendspodcast.com/ebook 📣 Submit your bill of the week and get a shoutout from us https://www.frugalfriendspodcast.com/bill-of-the-week/ 💸 Check out our monthly challenge community http://www.frugalfriendspodcast.com/club 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Poverty has no one-size-fits-all label, as much as there’s not a single reason or solution we can point to it. It intersects with a lot of things but today we’re addressing what’s within our control. The goal is not to alleviate people out of the poverty line but to help people control their spending in whatever way it looks like for them. In today’s episode, we want to cover things that will be of use to you especially if you find yourself in a tricky situation living at or below the poverty line. 🎙️ Get full show notes here!https://bit.ly/3LfRb1e📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Digital connectedness has become more prevalent these past few years as a result of the pandemic that struck us. Our guest, Ellie shares how answering questions online, and making social media content and digital products have saved her financial life. Join us as we get inspired by one’s story of commitment, consistency, and perseverance.  🎙️ Get full show notes here!https://bit.ly/3QPOogi📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

When we talk about sustainability, our initial action is to buy or consume less but there’s another side of the coin that we often forget to take into consideration such as gaining knowledge about the place we put our money to, what they do with it and what it means for you. This episode is not here to burden you with knowledge but hopefully, it may raise awareness on how you handle and change your finances that costs no money but just costs a little bit of time.  🎙️ Get full show notes here!https://bit.ly/3RDAC1N📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Leaves have begun to change their color as summer fades into fall. There are so many great things to look forward to during the fall season but above all, it’s also the most frugal season. Grab yourself some blankets, sit back, and relax as we embrace the frugality of fall and talk about activities we can engage in with our family and friends this coming season.  🎙️ Get full show notes here!https://bit.ly/3Qs8Bcc📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Old habits die hard — an old saying believed by many up to this day BUT not for this episode’s debt pay-off journey. Shifting mindset and energy have freed KT Lynn not only from her debt but the obstacles she has to face as a teacher and single mom. Here in Frugal Friends, we love hearing debt payoff stories to learn from and represent somebody within our listenership as we want you to know that you are not alone. This episode will fill you in with our guest’s relatable and lighthearted debt pay-off journey with realistic and actionable tips. 🎙️ Get full show notes here!https://bit.ly/3R4cAwx📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Even with the rise in body positivity, the diet industry is surprisingly a 72 billion dollar and growing industry. While we’re all for body positivity and working with our health, we still need to identify and reprogram our mindset around health and wellness to opt out of those that prey on our ever-present insecurities and prioritize the life-giving parts of actual wellness that are worth spending our money on. Get on board as we talk about diet culture and its relation to not only our mindset but also to our expenses on wellness.  🎙️ Get full show notes here!https://bit.ly/3B1p6ak📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

There are so many things to learn from our past as it is a significant factor in who we are today. We are excited to introduce to you this elegant way of mindful budgeting called “Kakeibo”. In this episode, we unravel this rich and timeless Japanese budgeting system and strengthen our relationship with our spending.  🎙️ Get full show notes here!https://bit.ly/3AUJCJM📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Budgeting. We’re never gonna stop talking about it. AND on this episode we have THE Jesse Mecham, creator and founder of the famous budgeting app ‘You Need a Budget’. For those still wondering whether or not they actually need a budget, and for all the rest who benefit from more reminders and tips; listen in! 🎙️ Get full show notes here!https://bit.ly/3CsWB6W📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

If you’re an OG listener, you may have heard of the Frugal Friends Book Club from our earlier episodes. But if you’re new here, we welcome you with open arms as we introduce you to 4 books we have read or have been wanting to read this fall. Join us as we talk about these books and the reason why we picked them. Who knows, you might find yourself checking out one of these books after this episode.  🎙️ Get full show notes here!https://bit.ly/3QNw08j📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Meal planning is a fantastic head start in improving our food choices but how do we do it? What kind of resources do we use? If you’re always in a dilemma from not knowing what meal to prepare, don’t worry, we feel you. In this episode, we will talk you through the benefits of a meal planning app and help you pick the best ones just for you. 🎙️ Get full show notes here!https://bit.ly/3JW2pYb📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Gone are the days when you can easily find the same car from different dealers at a reasonable price. “It is the hunger games out there,” said our special guest today, LeeAnn Shattuck a.k.a The Car Chick who is passionate about teaching people to make informed decisions on purchasing, selling, and servicing automobiles. We talk about buying new or used cars and negotiating with dealers in this crazily fast automotive industry.     🎙️ Get full show notes here!  https://bit.ly/3bMMRJw    📑 Get our FREE Modern Frugal Living eBook here!  https://www.frugalfriendspodcast.com/ebook    📣 Submit your bill of the week and get a shoutout from us  https://www.frugalfriendspodcast.com/bill-of-the-week/    💸 Check out our monthly challenge community  http://www.frugalfriendspodcast.com/club    👉🏼 Subscribe for more on YouTube  https://www.youtube.com/frugalfriends    💃🏼 Hang out with us on Instagram!  https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

So many books, podcasts, and online discussions out there talking about debt freedom but they don't tell you something. They tell you to do things relentlessly making it easy to feel burnt out– we’re not about the extremes, we’re about the radical middle. This episode opens a conversation about debt freedom with realistic and honest stories on how to see this journey before and after paying them all off. 🎙️ Get full show notes here!https://bit.ly/3P9BvNn📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Finding the middle ground when you’re frugal with a non-frugal partner can be quite difficult but a key component of a successful relationship is compromise. In this episode, we discuss tools, questions, and actions you can do with your partner that understands this as more than just a behavior issue but a deeper-rooted one.   ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ 🎙️ Get full show notes here!  bit.ly/3zncB7q - ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀📑 Get our FREE Modern Frugal Living eBook here!  https://www.frugalfriendspodcast.com/ebook   - ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀📣 Submit your bill of the week and get a shoutout from us  https://www.frugalfriendspodcast.com/bill-of-the-week/    ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀💸 Check out our monthly challenge community  http://www.frugalfriendspodcast.com/club   ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀👉🏼 Subscribe for more on YouTube  https://www.youtube.com/frugalfriends  ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀💃🏼 Hang out with us on Instagram!  https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Life has its ways of surprising us, just like an unexpected and overwhelming medical bill. Instead of letting the shock completely take you over, we sit and chat with Dr. Virgie Bright Ellington, who has a personal mission of helping people understand complex medical procedures, avoid financial devastation from medical bills, and encourage effective communication with medical facilities and insurance companies. 🎙️ Get full show notes here!https://bit.ly/3zRXKmt📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

This is your sign to get moving! We tend to get demotivated thinking we need to spend a lot, in order to start our fitness journey but it is far from the truth! Hop on as we serve you another fun-filled yet motivating episode as we share our fitness stories, workout tips, benefits of exercising, and how to do it all on a budget. 🎙️ Get full show notes here!https://bit.ly/3OMZ6TV📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Do you often have a hard time picking what to wear because of the number of clothing you have in your closet? Best believe you’re not the only one! In this episode, we will help you minimize your closet to maximize your time, space, and budget as well as guide you in creating your own small collection of useful clothing you love, a Capsule Wardrobe. Join us as we also share tips and fun episodes on letting go and spending decisions with intention. 🎙️ Get full show notes here!https://bit.ly/3SiuEnM📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Everyone has a sense of time, yet its concept is hard to define and understand. Some days feel long but years feel short. Jordan Grumet (a.k.a Doc G), a Hospice Doctor, Host of ‘Earn & Invest Podcast’ and the Author of ‘Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life’ brought us to his journey from internal medicine to personal finance. Jordan also teaches us the Art of Subtraction and Modifying our Perception of Time Passing in reaching financial independence. 🎙️ Get full show notes here!https://bit.ly/3yYEDFY📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Creating a financial plan and making a habit to fulfill it is easier said than done. In this last episode of our Radical Middle series, it is all about sticking to your financial plan based on the dream life you envisioned! We unravel how psychology, our financial decisions, and willpower are all intertwined components to help us recognize ourselves such as our capabilities in saving smarter.  🎙️ Get full show notes here!https://bit.ly/3oiCIHn📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

When we look at the ends of the spectrum of financial planning, we either get a one-page financial plan with limited deviations to financial planners who will give you a three-ring binder of stuff. For the second part of our ‘Radical Middle’ series, we will guide you into making a one-page financial plan that is attainable and will give you enough room for flexibility and customization.  🎙️ Get full show notes here!https://bit.ly/3yK3b5r📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Just because a recession may be inevitable doesn't mean you shouldn't care about it. Together with us is a proud mom, Financial Analyst, and host of Finance Explained by Family Finance Mom, Meghan Rabuse who helped us break down some important economic concepts in relation to finances. Join us as we unravel the concept of recession and learn what we can do about it. 🎙️ Get full show notes here!https://bit.ly/3PzbYxH📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

If being a millionaire is not your goal, it’s okay! Designing your dream life is what you want and not what you’re being told to achieve. Let’s design our dream life from our own hopes and desires while not running ourselves thin. In this first part of our ‘Radical Middle Series’, we also ran through some questions to ask ourselves in figuring out the life we have always dreamed of.  🎙️ Get full show notes here!https://bit.ly/3OWxoFd📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Nobody’s budget is perfect as there is no universal guide that can be applied to everyone else’s finances. With this in mind, we still want to normalize a less restrictive budget and present them with challenges that are actionable and achievable. Budgeting is non-negotiable for a lot of people so, in this episode, we discussed a few creative and nonrestrictive budgeting tips for us to live in the radical middle! 🎙️ Get full show notes here!https://bit.ly/3NVqIpt📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Throughout our frugal journey, we have placed great importance on generosity and creating a habit of giving back. However, there’s always a deeper layer on finding the purpose in giving. Derrick Kinney, a podcast host, author, and CEO of Good Money Framework introduces us to his meaningful concept of Generosity Purpose and the 3 Money Levers. We also discussed taking control of our own money and investing in the Eternal Economy.  🎙️ Get full show notes here!https://bit.ly/3O0tauO📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

We’ve all heard it repeatedly: Money can’t buy you happiness. This is something that has consoled all of us when we’re short on budget. But what if we tell you that money can indeed buy you happiness? We share stories wherein money has brought us joy and memorable experiences no one can ever take away from us. Sit back as we change your perspective on money and happiness in a positive yet practical way. 🎙️ Get full show notes here!https://bit.ly/3xYV58q📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Housing market is crazy hot right now as sales have continued to soar this 2022. More than 93 percent of homes purchased by corporations as of May 2021 were bought for under $300,000, and many of them were in predominantly Black neighborhoods. Tagged along with high demand is having fast-paced decision-making. In this episode, we run through some home buying tips to help you decide quickly yet efficiently in acquiring your dream house. 🎙️ Get full show notes here!https://bit.ly/39RM3SX📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Hold on tight! Our long-awaited and months of hard work for this year's Frugal Summit is about to go down (in the best way possible)! We’re giving you a little tease as we share snippets from our upcoming 2022 Spending Symposium on June 27. If you haven’t signed up yet, maybe this is your sign to get on board with us. 🎙️ Get full show notes here!https://bit.ly/3OjRRn2📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Living in an RV may seem like a dream for travelers and minimalists but it’s not always as easy and fancy as it seems. In this episode, Jill breaks down her minimalist RV lifestyle and non-traditional methods such as house sitting, renovating an RV and trailer to sell, and more, together with her supportive husband Eric in order to pay their debt.  🎙️ Get full show notes here!https://bit.ly/3tUcXjV📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

What does it take to pay off a huge debt? How does one stay motivated in paying them? Jen candidly shared her journey of paying off her $78,000 debt in just two years, attached to the harsh realities of rising from it and staying motivated. Paying huge debt may feel unobtainable in just a short amount of time, but with this episode, Jen's story will surely change how you should view your debt. 🎙️ Get full show notes here!https://bit.ly/3N6nxeR📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Consumerism has enticed us to acquire the bigger, the shinier, and the newer. And for Miranda Anderson, a creative who did a 12-month no shopping challenge with her family, to say that consumption comes at the expense of our creativity is an understatement. Today, we talk about creativity over consumerism, balancing the opposing energies of creating vs consuming, and creativity and society’s focus on the end game. 🎙️ Get full show notes here!https://bit.ly/3NOwZUs📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Buying groceries can be overwhelming when one goes spontaneously and ends up buying unnecessary items on the way out. We gave simple tips on how to plan your money reserved for groceries and shared fun episodes when shopping for groceries. By the next time you step foot in the grocery, you're fully equipped and ready to put into action our tips.🎙️ Get full show notes here!https://bit.ly/3NlPdMH📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

“Lower your expenses, Increase your income” is a piece of advice we might have already seen in articles that talk about achieving financial goals. However, nothing ever comes easy when you are saving your first $100K and moving forward. In this episode, we break down realistic and attainable ways to save your first $100K, while also setting bigger goals for you.🎙️ Get full show notes here!https://bit.ly/3PwQH8E📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

Debt can feel insurmountable and even debilitating at times, especially if our debt reaches the 6-figure mark. This is exactly where Kate from ‘Living that Debt Free Life’ was at prior to tackling $105K of student loan debt, and she’s got some great insights and tips in her story to help the rest of us on our debt payoff journey. Regardless of the reasons we find ourselves in debt, we hope Kate’s story will provide encouragement and motivation as you work towards your own financial goals!🎙️ Get full show notes here!https://bit.ly/3LnpXVQ📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

How expensive should clothing really be? Whether you're a trendsetter or just like to dress well when going out, changing just a few of your spending habits on clothes can put you on the fast track to giving more room in the budget. Thankfully, there are a few tricks to save money on clothes without sacrificing your style and fashion. So sit back and enjoy your new wardrobe!🎙️ Get full show notes here!https://bit.ly/3vwqIFr📑 Get our FREE Modern Frugal Living eBook here!https://www.frugalfriendspodcast.com/ebook📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See omnystudio.com/listener for privacy information.

You will be very unpleasantly surprised to know how much waste we put out each day. Zero-waste lifestyle goes beyond reusable shopping bags, shampoo bars, eco-toilet papers, and glass jars. In fact, going for the zero-waste lifestyle seems very intimidating at first and does have some start-up costs. If you are looking to reduce your carbon footprint, this episode is perfect for you. 🎙️ https://bit.ly/3vsNNZt📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 http://www.frugalfriendspodcast.com/club👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usCheck out our monthly challenge communitySubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

Ah, adulting. Adulting is weird and nothing can ever fully prepare you for being an adult. We all need a little help sometimes, so we sit down with Ashley as she talks about Financial Adulting and overcoming scarcity mindset to thrive financially.🎙️ https://bit.ly/3jVNcdo📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 http://frugalfriendspodcast.com/club👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usCheck out our monthly challenge communitySubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

Using a budget helps us make more informed financial decisions. And that's what we're all here for. In this episode, Jen and Jill talk about some important points to help you create a budget so you can identify what goes into your expenses and make sure that you can live within what fits your lifestyle.🎙️ https://bit.ly/3NjHOOA📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 http://frugalfriendspodcast.com/club👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usCheck out our monthly challenge communitySubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

We're turning 4! We started Frugal Friends Podcast with one mission— to create a community where frugality is embraced by choice, not out of obligation. Four years later and that mission remains the same. Grab your favorite drink and join your frugal friends as we look back and highlight what we've learned on frugality, podcasting, and our lovely community.🎙️ https://bit.ly/3irtJ3w📑 https://www.frugalfriendspodcast.com/ebook💸 http://frugalfriendspodcast.com/club📣 https://www.frugalfriendspodcast.com/bill-of-the-week/👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Check out our monthly challenge communitySubmit your bill of the week and get a shoutout from usSubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

Death changes everything in an instant. Navigating through life while `dealing with loss and grief can feel overwhelming and consuming, but they are not permanent states. Join us as we sit down with Keisha to find out the lessons she learned from loss and building Holistic Wealth to live an intentional life. 🎙️ https://bit.ly/3N9aSIP📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 https://www.frugalfriendspodcast.com/club-bff-waitlist/👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usJoin the waitlist for Financial Freedom MentorshipSubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

It is never too early or too late to start saving for retirement. In fact, the best time to start saving is today. Whether you're just getting started or already saving, join us on this episode as we talk about all the things you need to know about saving that will enable you to be comfortable and secure after you stop working.🎙️ https://bit.ly/3tX7acz📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 https://www.frugalfriendspodcast.com/club-bff-waitlist/👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usJoin the waitlist for Financial Freedom MentorshipSubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

Sometimes spending money is a whole lot easier than saving money! Spending money often gives us what we want in the moment, but it can derail us from our financial goals or debt payoff plans. Today we're talking about strategies to move from spending to saving so that we can get the most out of budgets!🎙️ https://bit.ly/3M8XLGR📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 https://www.frugalfriendspodcast.com/club-bff-waitlist/👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usJoin the waitlist for Financial Freedom MentorshipSubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

Finances look different for single moms. Budgeting and paying off debt while parenting solo presents more challenges when you don't have someone to share expenses with. Join us on this episode as we talk to Maggie of the friends on FIRE podcast on how she was able to pay off her mortgage as a divorced single mom.🎙️ https://bit.ly/34Z5Wox📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 https://www.frugalfriendspodcast.com/club-bff-waitlist/👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usJoin the waitlist for Financial Freedom MentorshipSubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

When you become a pet parent, it's just impossible not to go gaga over them. And whether you’re a parent to a kid or a furry baby, it requires your time, energy, and (wait for it) money to keep them healthy and happy. In this episode, Jen and Jill discuss several ways to help you in saving expenses without sacrificing your fur (or scaly) baby's health and breaking the bank.🎙️ https://bit.ly/3psccwf📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 https://www.frugalfriendspodcast.com/club-bff-waitlist/👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usJoin the waitlist for Financial Freedom MentorshipSubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

In both subtle and not-so-subtle ways, advertising and marketing tactics are being implemented everywhere to try to get us to spend money and buy more. While marketing in and of itself is not bad; we should be aware of the emotional and psychological ways brands are able to influence us to spend on something we may not even need or want. Listen in as we discuss some behind-the-scenes marketing strategies that could help us save money and spend more intentionally. 🎙️ https://bit.ly/3t17Ht8📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 https://www.frugalfriendspodcast.com/club-bff-waitlist/👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usJoin the waitlist for Financial Freedom MentorshipSubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

Ever found yourself sticking to old, boring finance guides that have been possibly passed down from four generations? We feel 'ya. For our 200th episode, we're joined by Joe Saul-Sehy and Emily Guy Birken, the authors of STACKED and they are here to show us how personal finance can be fun, and share some tips for staying motivated on the debt-payoff and savings building journey.   🎙️ https://bit.ly/3uQUnuc📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 https://www.frugalfriendspodcast.com/club-bff-waitlist/👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usJoin the waitlist for Financial Freedom MentorshipSubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

We know there is no 'one-size-fits-all' in the personal finance space, but there are a few tenets and pathways that can really help us achieve some of the financial milestones we're dreaming of! There's many benefits to minimalism and today we're looking specifically at how the practices of minimalism can have a positive impact on our budget.Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

We know we can't avoid death or taxes, but it sure is worth considering how to prolong life... and pay less in taxes (legally of course). We're taking a look at some of the lesser known ways we can see a lower tax bill at the end of the year based on the nuanced situations in which we may find ourselves!Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

Tried and true long-term money strategies are great, but sometimes we just want to know the best hacks for spending less and saving more. Thankfully Lisa has compiled over 200 top tips for making the most of our money and resources; in this episode we're going over the heavy hitters on categories like curbing spending, debt pay-off, earning money, and planning for the future.Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

One key way we can save money on food and see a reduction in our grocery bill (at least for a time!) is through a pantry challenge. Join us as we talk more about using up the food and ingredients we already have on hand to cut food costs and change the way we grocery shop long term.Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

We're looking at what others are saying, and our own experiences, to find the radical middle on what has been (and continues to be) a bit of a touchy subject. Rest assured, personal choice and freedom to find your own path on your financial journey is and always will be the way of the Frugal Friends.Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ Capitalize: https://www.frugalfriendspodcast.com/capitalizeSee omnystudio.com/listener for privacy information.

Money and mental health are certainly in the top tier category of 'what not to talk about at a party', however we believe debt payoff and our mental wellbeing go hand in hand and we need to find places of safety to talk about these topics! Melanie joins us to share her own journey with mental health during her debt payoff and how this has looked for her even beyond debt freedom. Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

We talk about goal setting, resolutions, strategizing, and more; but none of that will get us too far without a supportive community! We're looking at a finance adjacent topic regarding accountability and how these intentional relationships can help us stick to and achieve our goals!Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

It's that time again when we start thinking about what we want from this fresh new year. Of course it takes thought, preparation, and a bit of strategy to ensure we actually reach the goals we've set and see the progress we desire! Join us as we look at tips for setting attainable goals and experiencing personal growth in the new year.Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

Are you already thinking about ways to reign in your spending in the new year? Have you wondered what it would mean to go 'all-in' on frugality (even if just for a short time)? Mrs. Frugalwoods is here to share with us her top tips for engaging in a super frugal month challenge; perfect for January...or any time of year!Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

Does your savings need a jump start? Does your spending need a time out? A no spend challenge can be the perfect way to gamify our finances and see some big headway in reaching financial goals. BUT before we dive into a no-spend week or month we need to prepare! In this episode we're talking about the how-to's of preparing for your no-spend challenge and the why this is so crucial to it's success.Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

Do you love coffee? Do you find yourself purchasing coffee out more often than you'd like to admit? While we know ending our latte purchases will not make us millionaires, it is still useful to consider where our money goes and how to save even in the small things. And so we're looking at ways to decrease spending on caffeine, and even sharing some ways to get the occasional FREE coffee!Get full show notes here!Frugalfriendspodcast.com/capitalizeGet our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

We love a good debt payoff story, and what could be better than hearing the real-life experiences of frugal friends listeners?! Listen in as 3 brave souls share their journey to debt freedom.Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

Looking for resources to help you on your financial journey? Are you in need of streamlining your budgeting or banking process? We're exploring a run-down of some of the top personal finance apps; from banking apps to budgeting apps to investing apps and saving apps, there's some cool digital tools out there and we're highlight the best of the best!Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

Does the word 'budget' feel limiting to you? Does it seem like you won't have any fun with your friends if you have a budget? It doesn't have to be this way! We believe it's possible to create a budget that makes room for spending on the things we value and afford the things we need. We're here to flip the script and chat about ways to budget without feeling deprived.Get full show notes here!Thanks for listening! See you next week!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

Overspending, spending mindlessly, buying stuff we don't need; it all limits our finances! Whether in the debt pay-off journey OR debt-free we could all use some reminders on how to spend (and save) more intentionally. Listen in and hear some tips as Walli shares her journey of overspending, breaking the cycle, and becoming a mGet full show notes here!Thanks for listening! See you next week!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ Check out our sponsor Refily: https://refinance.refily.com/lending/home-refinance/?sourceid=influencerrefily_influencerrefily_202111020001See omnystudio.com/listener for privacy information.

It's coming! The holidays are just around the corner *again* and this year we're gonna make a plan AND stick to that plan! There are plenty of ways to be prepared for the holiday season, ways to not overspend on gift giving and food, and tips for taking advantage of money saving strategies this time of year. Let's talk about how to get through the end of the year within budget, listen in!Get full show notes here!Thanks for listening - see you next week!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

Cutting expenses is great, but eventually our ability to decrease spending reaches its limits. When we can no longer slash the budget any further we need to look at ways to increase our earning. Of course a big barrier to side hustles and earning money above and beyond our normal employment is TIME! For this reason we're looking at ways we can earn a bit more money especially when we're short on time.Get full show notes here!Thanks for listening! See you next week!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

Meal planning, grocery shopping, meal prepping, cooking, cleaning OH MY! Just feeding ourselves and our families can feel like a daunting task, and when we add affordability and the goal of healthy eating to that list it can be quite a challenge for many of us! SO we brought in an expert, Cassy Joy Garcia to talk about some hacks she has found to eat well on a budget.Get Full Show Notes Here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

Everything we do, our actions and behaviors (including the way we spend) begins in our mind. Our minds are responsible for so much, including our habits! These subconscious decisions can be the very thing that keeps us from reaching our financial goals; habits aren't inherently bad, but let's talk about how we can make our habits work for us instead of against us!Get full show notes here!Thanks for listening! See you next week!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

We believe investing is important, but it doesn't have to be complicated. There is an approach for stock market involvement and saving for retirement or other large expenses that is simple and minimalist. Join us as we aim to remove some of those investment 'barriers to entry'.Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

We all love a good debt payoff story and this one combines debt pay-down with some tangible tips that dual income (and some single income!) households can implement. Listen in as Elle shares with us some strategies for debt freedom and even increased savings!Get full show notes here!Get our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/free Join the waitlist for Club BFF: https://www.frugalfriendspodcast.com/club-bff-waitlist/ Subscribe for more on YouTube: https://www.youtube.com/frugalfriends Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See omnystudio.com/listener for privacy information.

What exactly is simple living, and how might it benefit our lives? When it comes to frugality, saving money and cutting expenses; simplicity has a lot to teach us! Let's talk about what it looks like to live simply and some tangible steps to get us there!Get full show notes here!https://www.frugalfriendspodcast.com/freeGet our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/club-bff-waitlist/Join the waitlist for Club BFF: https://www.youtube.com/frugalfriendsSubscribe for more on YouTube: https://www.instagram.com/frugalfriendspodcast/Hang out with us on Instagram! See omnystudio.com/listener for privacy information.

We talk a lot about the difference between being frugal and being cheap and one essential defining factor is that frugality makes room for spending on the things we value. Of course, this does require some thoughtful and intentional budgeting around these values. While there are many ways to approach budgeting, we feel a values-based budget has the highest likelihood of actually sticking. Listen in on HOW to budget around your values!Get full show notes here!https://www.frugalfriendspodcast.com/freeGet our FREE 7-Day No-Spend Challenge Workbook here! https://www.frugalfriendspodcast.com/club-bff-waitlist/Join the waitlist for Club BFF: https://www.youtube.com/frugalfriendsSubscribe for more on YouTube: See omnystudio.com/listener for privacy information.

Food waste is one of the biggest contributors to busting our grocery budget every month. Not to mention reducing waste (of any kind) both helps our finances and the environment! It's one of our favorite kinds of episodes since we get to interview Debt Kickin Mom about some tips and tricks to limit the amount of food we waste in the kitchen so we can actually eat what we buy and keep saving money on food!Get full show notes here!See omnystudio.com/listener for privacy information.

Ever wonder if you're missing some secret tip about how to actually curb spending and make your budget work for you? Well, there is no magic wand to help, BUT there is one area of ourselves we often undermine in this whole process; our mind. All of our behaviors, including our spending habits begins in our brain so let's start there! Join us as we take a look at the ways we can interrupt our patterns and behaviors before they turn into purchases we don't need and financial goals we never achieve!Get full show notes here!See omnystudio.com/listener for privacy information.

Is it better to pay off our mortgage or invest the money? It's a hotly debated topic (well at least in financial circles) with some surprisingly conflicting conclusions. We're exploring how to determine the best approach for each of us individually and the factors we each should consider.Get the full show notes here!See omnystudio.com/listener for privacy information.

We've talked about sustainability at the micro level, but what about the macro level? How can we make decisions with both our time and money that creates long-lasting benefits? Ron Gonen is here to share about how we can aim at a circular economy rather than a linear one and the benefits this can bring to our communities both financially and environmentally.Get full show notes here!See omnystudio.com/listener for privacy information.

Do you find you are constantly buying new decor items for your home? Is it costing far more than you want to spend to make your home pleasing to the eye? On this episode we're exploring how to identify your personal design aesthetic so you can decorate in a way that is authentic to your style and stop buying more stuff! Decorating to the point of contentment is the aim. Listen in! Get the full show notes here!See omnystudio.com/listener for privacy information.

Is hyper-focusing on debt pay-off the right financial move for you right now? While it's no secret that we frugal friends love debt freedom, there are some considerations to make before jumping head first into debt pay down. Listen in as we discuss some additional pieces to think about on this financial journey!Get the full show notes here!See omnystudio.com/listener for privacy information.

Thinking about starting your own side business, or even full-time business? Feeling overwhelmed by all that's involved with owning a business? You're not alone! And Laura Adams is here to talk about the most important things to consider when being a solopreneur, and how to take small, manageable steps towards being your own boss! Get full show notes here!See omnystudio.com/listener for privacy information.

Taking care of ourselves is about far more than massages and bubble baths and thankfully it is also not about spending loads of money. We're taking a deeper look at what it means to be kind to ourselves in a holistic way and the various ways we can care for our whole person well!Get the full show notes here!See omnystudio.com/listener for privacy information.

It's frugality 102 - we're taking this think to the next level and exploring the differences between being 'frugal' and being 'cheap' while also talking about the foundational tenets of frugality. It's a good one. The kind that gets Jen all amped up.Get the full show notes here!See omnystudio.com/listener for privacy information.

Too often frugality is confused with being cheap or cutting corners just to save a penny. We want to interrupt those ideas. We believe the future of frugality is values based spending, intentionality with finances, and stewarding all resources well. On this episode we invite Christine Platt, Leslie Oldanie, and Chris Browning to help us cast vision for the future and find the freedom to create a lifestyle that works for us!Click here for full show notes!See omnystudio.com/listener for privacy information.

Frugal doesn't have to mean luxury free! We can enjoy some simple pleasures while still saving cash. Listen in for some ideas!Get the full show notes here!See omnystudio.com/listener for privacy information.

Stashing money under the mattress may work for some, but for us frugal folks, we want to make sure our hard earned cash is being stored in the right place! Here we're talking about what to consider when it comes to savings and the best types of accounts for various goals. Listen in!Get full show notes here!See omnystudio.com/listener for privacy information.

Cat shares about her own journey with working, raising twins, and managing finances. Listen in as she encourages other moms towards financial and personal goals!Get full show notes here!See omnystudio.com/listener for privacy information.

Are a recent college grad? Do you know a college grad? This episode is for you! The time of life just following college graduation can represent lots of daunting decisions, financial debt, and low cash flow. We're covering some basic financial and frugal tips for this exact life season!Get the full show notes here!See omnystudio.com/listener for privacy information.

Minimalism isn't just for our wardrobes and living rooms! When we are able to intentionally approach our schedules we find that the tenants of minimalism in this domain can bring so much freedom, and even money savings when we are spending time doing things that actually matter. Get full show notes here!See omnystudio.com/listener for privacy information.

Thinking about buying your first home? Already in the process? Home buying is a big decision and a massive expense, but there are ways we can enter this process equipped with knowledge to get the best possible deal and make the most of our money. Listen in as Scott and Mindy share from their own research and experience the things we should know as first time home buyers!Get the full show notes here!See omnystudio.com/listener for privacy information.

Lions and tigers and credit scores; oh my! With so many components and antiquated information it's no wonder there is so much mystery surrounding the credit score! While there are a handful of factors that go into a credit score, it's not as unattainable to understand as one may think. Join us as we take a look at this important financial reality and become equipped to take ownership of our own credit scores!Get the full show notes here!See omnystudio.com/listener for privacy information.

Home renovations have a reputation for being very expensive and feeling unattainable at times! While it is true that skilled labor costs decent money - we want to talk about the upgrades and updates we can make that bring beauty and value to our homes without costing a fortune! Get the full show notes here!See omnystudio.com/listener for privacy information.

Understanding investing terms and options is not for the faint of heart, but we don't have to be experts in order to make wise, frugal financial decisions for our future. On this episode Barbara Ginty shares in some very understandable and approachable ways some of the basics of investing and how to take advantage of Roth IRA's.Get the full show notes here!See omnystudio.com/listener for privacy information.

Frugality plays nicely with many other valuable tenets and environmentalism is no exception! Engaging with eco-friendly products and living a sustainable lifestyle matches well with frugality and does not need to be considered a luxury!Get the full show notes here!See omnystudio.com/listener for privacy information.

We're celebrating 3 years of the frugal friends podcast by taking a look at the factors that contribute to impulse buys and ways to avoid it!Get the full show notes here!See omnystudio.com/listener for privacy information.

Paying down debt when living on a low income IS possible! We are thrilled to have Sarah Wilson on the podcast to share her story and inspire us towards debt freedom at any level of income.Check out the full show notes here!See omnystudio.com/listener for privacy information.

Have you ever received a raise only to find yourself purchasing more 'non-essential' items? Or earned a bonus only to blow it on a vacation? Yep, that's lifestyle creep. We're talking all about the sneaky ways our choices can shift as our earning increase and how this can derail all our frugal hard work! Listen in to learn how to prevent and respond to this happening in our own lives!Click here for full show notes!See omnystudio.com/listener for privacy information.

Many things can derail our budgets and best intentions, but it's not about falling off the horse, it's about getting back on! Let's talk about how we can get back on track quickly with our finances.Click here for full show notes!See omnystudio.com/listener for privacy information.

For many, financial independence is the 'why' behind a frugal lifestyle. How to achieve freedom within our finances is no easy task, which is why we're thrilled to have Jamila's insight into this topic as she shares some of the steps we can take to make wise decisions with our finances.Click here for full show notes!See omnystudio.com/listener for privacy information.

Moving can be amazingly expensive, not to mention overwhelmingly stressful! If you are planning a move, know someone moving, or think you will move at some point in your life; listen in for helpful tips on reducing moving costs and making the transition as smooth as possible!Click here for full show notes!See omnystudio.com/listener for privacy information.

Do you enjoy traveling AND cutting expenses? Then travel hacking is for you! In this episode we take a beginners look at how we can utilize loyalties and credit cards to score free hotels, flights, and more. Click here for full show notes!See omnystudio.com/listener for privacy information.

Food is often our biggest area of budget busts! The solution begins with our meal planning and how we go about grocery shopping. On this episode Ashtin gives us some simple and attainable tips for how we can meal plan effectively and save money on our groceries each week.Click here for full show notes!See omnystudio.com/listener for privacy information.

Simplifying and minimizing never go out of style! Listen in as we chat about the KonMari method, what we like, and the freedom we can find in identifying our own version of frugality and minimalism. Click here for full show notes!See omnystudio.com/listener for privacy information.

Eating healthy and saving money don't have to be competing goals! We're talking about how we can get the nutrition we need without overspending at the grocery store.Click here for full show notes!See omnystudio.com/listener for privacy information.

It's another great interview! Listen in as Bola Sokunbi from Clever Girl Finance makes the daunting topic of investing approachable! For anyone who has been intimated by conversations about the stock market, this episode is for you!Click here for full show notes!See omnystudio.com/listener for privacy information.

There is a lot of information out there for middle-income earners regarding how to be wise with money, but what about for those of us who are living on a very low income? While there is ultimately no magic wand to make the pressures of financial difficulties disappear, we want to explore how those earning less might also achieve financial goals through frugality.Click here for full show notes!See omnystudio.com/listener for privacy information.

Do you like the idea of decluttering but find it difficult to get started? Sometimes we need to weave a little fun and creativity into this process to help us find motivation. On this episode we're exploring some unique ways to tidy up our living spaces. Click here for full show notes!See omnystudio.com/listener for privacy information.

We have lots of debt payoff stories highlighted on this podcast, and are particularly looking forward to sharing Lydia's story with you all! For those working off of low incomes, or single incomes we hope this interview is particularly inspiring and helps to break down barriers to achieving debt freedom!Click here for more show notes!See omnystudio.com/listener for privacy information.

We know becoming debt free is a worthwhile goal, and once we've bought in to the idea it's a quick jump to the question: 'how do I pay off this debt as quickly as possible?!' On this episode we're talking about some strategies and approaches that can help make big dents in our payoff journey.Click here for full show notes!See omnystudio.com/listener for privacy information.

There's many ways to approach budgeting, and finding a way that works for us that is also simple is our aim! We're revisiting a previous favorite episode to explore some minimal budgeting approaches - listen in!Click here for full show notes!See omnystudio.com/listener for privacy information.

It's the Frugal Friends Holiday Special! We are thrilled to release this episode Christmas day 2020 and there's no better way to celebrate than by sharing YOUR best frugal tips. Listen in as callers share their favorite ways to practice frugality.Click here for full show notes!See omnystudio.com/listener for privacy information.

Perspective and our own internal narrative represents one of our biggest barriers to achieving financial goals. On this episode we are exploring some of the most common limiting beliefs and how to shift our mindset and thought patterns to see real progress along our frugal journey.Click here for full show notes!See omnystudio.com/listener for privacy information.

In case we all need a bit more motivation and encouragement to keep working towards our debt-free goals we're reminding ourselves of the top reasons to get out of debt and looking at some compelling statistics to help us realize this is possible!Click here for full show notes!See omnystudio.com/listener for privacy information.

We imagine right now more than ever people are discouraged about their finances and trying to just get stable; not even thinking about becoming a millionaire! BUT we believe that when we shift our mindset to believe our financial situation can improve, things change! For this reason, we've invited Chris Hogan from Ramsey Solutions on the show to help us shift our mindset by debunking some common myths that may be holding you back from believing wealth is possible for you. Click here for full show notes!See omnystudio.com/listener for privacy information.

We believe frugality is a means to an end, not the end itself. We all have our 'whys' for being frugal and for us a big reason is the room it provides for generosity. Join us as we explore ways to maximize our financial giving.Click here for full show notes!See omnystudio.com/listener for privacy information.

Tis the season for purchasing new TV's, phones, tablets, and more but buying new and impulsively can cost a lot of money! On this episode we're talking about what to buy, when to buy new, and tips for saving on electronics.Click here for full show notes!See omnystudio.com/listener for privacy information.

We've got one of our archived favs making another appearance! This conversation with Kristin about pairing down in our kitchens not only helps to free up brain space and reduce stress, but, you guessed it...it's frugal! Listen in for tips on how you can make your kitchen functional AND minimal!Sponsors:  Every year you have the best intentions about controlling your holiday spending and every year you forget something. That’s why Jen made this FREE Christmas planner to help you  record every cost and stay on budget this holiday season. This planner will help you keep track of your spending on family traditions, recipes, dinners and parties, gifts and more to make sure you don’t miss anything. Then use the 2021 planning chart to make sure you’re on track to saving the right amount next year! If this sounds like something you need head to frugalfriendspodcast.com/holiday to get your free planner.Debt Free Christmas Planner-all the essential people and things have gathered together to sponsor this show; the nurses, the grocery store clerks, the toilet paper, the bottled waters and so many more have united to say; ’you’re welcome, AND we’re tired’. The essentials: let’s keep valuing and being grateful for them!The essentials - Also check out these episodes related to kitchens and groceries!EP 70 - Grocery Store Sales CyclesEP 92 - Reducing Food Waste w/ Debt Kickin MomThis episode was also sponsored by Namecheap; the world’s 2nd largest domain registrar. Namecheap offers hundreds of domain extensions, from the traditional .com to country-specific, like .us, or profession-specific, like .design. We think it’s super important to own the domain name of your side business so Namecheap is offering Frugal Friends listeners 30% off any non-premium domain name for its first year of registration. Use code FRUGAL at checkoutWrap-up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

The holiday season is upon us and one of the biggest pitfalls to blowing our budgets is impulse spending! On this episode we explore how stores, whether in person or online, prey upon our tendency make impulsive purchases and what we can do avoid these traps and not overspend! Sponsors:  Every year you have the best intentions about controlling your holiday spending and every year you forget something. That’s why Jen made this FREE Christmas planner to help you  record every cost and stay on budget this holiday season. This planner will help you keep track of your spending on family traditions, recipes, dinners and parties, gifts and more to make sure you don’t miss anything. Then use the 2021 planning chart to make sure you’re on track to saving the right amount next year! If this sounds like something you need head to frugalfriendspodcast.com/holiday to get your free planner.Debt Free Christmas Planner- - Looking for a year that won’t that won’t bring you widespread panic and global chaos? Try 2021. The holidays signal the end of the year. They actually feel like a year unto themselves so that means 2021 is just around the corner. We hope that brings you joy. 2021, We can’t make any promises but it’s probably going to be better than 2020. Maybe.2021Notable Notes:What the Internet has to say:This article from Square Up gives us a behind the scenes look at how companies capitalize on impulse shoppers.What Jen + Jill have to say:“impulse buying - not a pre-meditated purchase” Gamify shopping- don’t play the game, eliminate the temptationGive them a deal- stop buying things because they’re on sale!Emphasize self-care- find free ways to care for yourselfGo beyond seasons greeting- businesses want to get more money out of you because it’s cheaper than finding a new customer.More from the Internet:This article from Moneyning provides us with 10 tips to avoid impulse spending over the holidays.Thank you Becky for sharing your bill about Bill Shakespeare!! Your local library program sounds amazing! Also we love libraries too :)BILL OF THE WEEK - frugalfriendspodcast.com/bill If you want to submit your bill of the week visit to leave us a billThis bill was sponsored by : Shopping for insurance can seem like a daunting task, but Policygenius makes it easy and saves their home & auto customers an average of $1,127 a year. They do the hard work for you by finding the lowest quotes from over 30 top insurers. Head to Policygenius.com right now to get started and make sure you’re getting the best rates on your home and auto insurance.PolicyGeniusSee omnystudio.com/listener for privacy information.

Whether or not you have heard of the pink tax, we can nearly guarantee you've encountered it in some way! On this episode we take a broad look at what the pink tax is, the various products and services most susceptible, and how to avoid paying extra unnecessarily.Sponsors: Whether you’re new to budgeting or trying to reach a big financial goal and need something to motivate you, you’ll enjoy The Frugal Friends Workbook. It’s a digital workbook with 6 week-long challenges that will help you save money, simplify your life, improve money conversations, and more. It’s over 60 pages and can be completed on your own but it’s created to be gone through in pairs or small groups that’s why every purchase comes with two downloads so you can share or split the cost. Head to Frugalfriendspodcast.com/workbook to learn more and use the code TACOBELL all one word to get $10 off the regular price.Frugal Friends Workbook. Notable Notes:What the Internet has to say:This article from Bankrate explains the pink tax and some common products and services that cost more for womenWhat Jen + Jill have to say:The pink tax is "a system of discriminatory pricing on products and services that is based on gender" and costs the average woman $1,300 a year while impacting all aspects of daily life from shopping to dry cleaningWhat can be done?:More from the InternetThis article from The Simple Dollar gives us a few key ways to avoid the pink tax.More from Jen + Jill:1. Research the brands you purchase2. Consider unisex products3. Support companies ‘taking a stand’4. Be a part of eliminating the pink tax5. Support legislation to stop the pink tax6. Take advantage of credit card rewards - find ones that reward you for the things you purchase oftenThank you Rachel from Kansas for sharing your hospital bill from your birth and how you called to correct an error and saved $2000!!BILL OF THE WEEK - frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a bill: An investing platform that makes investing in high-quality, high-potential real estate as easy as investing in mutual funds. Their team of real estate professionals carefully vets and actively manages all of their real estate projects. And makes it easy to track your portfolio’s performance and watch as properties across the country are acquired, improved, and operated via asset updates. So if you want to add real estate to your portfolio visit fundrise.com/frugal to get your first NINETY days of advisory fees waived and start building your better portfolio with Fundrise today!FundRiseLightning RoundPersonal Pink Tax Experiences- I certainly see how I save more money having a son - so many additional products are geared towards little girlsJenWhen working at a group home I was unable to take a teenage girl to the barber for a $10 haircut and instead had to take her to the salon for a $45 hair cutJill- Wrap-up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

Budgeting. We're never gonna stop talking about it. AND on this episode we have THE Jesse Mecham, creator and founder of the famous budgeting app 'You Need a Budget'. For those still wondering whether or not they actually need a budget, and for all the rest who benefit from more reminders and tips; listen in!Sponsors: Whether you’re new to budgeting or trying to reach a big financial goal and need something to motivate you, you’ll enjoy The Frugal Friends Workbook. It’s a digital workbook with 6 week-long challenges that will help you save money, simplify your life, improve money conversations, and more. It’s over 60 pages and can be completed on your own but it’s created to be gone through in pairs or small groups that’s why every purchase comes with two downloads so you can share or split the cost. Head to Frugalfriendspodcast.com/workbook to learn more and use the code TACOBELL all one word to get $10 off the regular price.Frugal Friends Workbook. Trying to calculate stuff but don’t have a calculator or app? Spreadsheets are here for you. Record all the stuff, have multiple sheets in one doc, and go crazy with those sums! be a lady in the streets but a freak in the spreadsheets.Budgeting with Spreadsheets:Notable Notes:We asked Jesse all about the 4 rules for successful budgeting:Give every dollar a jobConsider the idea of trade offs (i.e. If i do this - I can’t do that)Recognize finite nature of your money and prioritizeBudget based on your current money on handEmbrace your true expensesLook ahead to less frequent expensesCreate sinking fundsRoll with the punchesRecognize that the future is not staticDon’t anticipate perfectionChange the plan as neededRecognize its a processEngage in high frequency of interaction with your budgetAge your money Budget the money you already haveLet your money ‘hang out a little’Live ahead instead of behindBILL OF THE WEEK - Thank you Jesse for sharing your bill about your electricity bill of $16!!frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a bill: This Bill of the Week is brought to you by BetterHelp. BetterHelp offers online counseling and therapy services for individuals, couples, and teens. Just answer a few questions and they’ll  assess your needs to match you with a licensed professional therapist that fits your needs and preferences. AND as a Frugal Friends listener you get 10% off your first month when you sign up at betterhelp.com/Frugal.BetterHelpLightning RoundOur latest budgeting flub and how we recovered took over costco run and didn't even know how much the total bill was!Jesse- not accurately estimating reno costs and timeline for fixing up the new houseJill-- forgot to adjust budget to reflect ebbs and flows of workJenGet more from Jesse and YNAB at:YouNeedabudget.comBONUS:Jesse's Book Recommendations:-The Wealthy Barber-Your Money or Your Life - Vicki Robin-'>See omnystudio.com/listener for privacy information.

If you've ever thought about living in an RV or trying the tiny house lifestyle, or even considered it short-term; this episode is for you! We're covering a lot of the basics regarding what should be considered before full-time RV-ing, where to park, and what to look for when purchasing an RV!Sponsors: Whether you’re new to budgeting or trying to reach a big financial goal and need something to motivate you, you’ll enjoy The Frugal Friends Workbook. It’s a digital workbook with 6 week-long challenges that will help you save money, simplify your life, improve money conversations, and more. It’s over 60 pages and can be completed on your own but it’s created to be gone through in pairs or small groups that’s why every purchase comes with two downloads so you can share or split the cost. Head to Frugalfriendspodcast.com/workbook to learn more and use the code TACOBELL all one word to get $10 off the regular price.Frugal Friends Workbook. finding the lesser known, but far better solution. Like when the line for the restroom goes out the door and down the hall, but YOU remember that there was another bathroom on the 2nd floor. Or when your birthday falls on leap year so you’re a good 8 years younger than the rest of your friends. Loopholes; just makes sure they’re not illegal...Loopholes:Notable NotesWhat the Internet has to say:This article from Insider gives us a list of important things to consider about full-time RV-ingWhat Jen + Jill have to say:The bathrooms are tiny, it's true...but the water doesn't have to get cold 5-minutes into your shower! You can upgrade your water heater system!The cooktops and stoves are often tiny, but this is another thing you can upgrade if living in the RV full-timeThere is no privacy! You do hear everything inside, and depending on where you're parked, there may not be privacy once you walk out of your 'home'!More from the Internet:This article from A Small Life talks about the number one question that needs to be answered when living on wheels: where to park the RV?!More from Jen + Jill:If you have your own land with appropriate hook-ups or you plan to boon-dock; parking on your own property could be an option RV parks + mobile home communities (sometimes only seasonal)Tiny house community online has some great tips (see link in article)Jill's favorite option: backyard living (+traveling)RVshare.comRVparking.comRoadtrippers.comovernightRVparking.comWalmartThank you Jacqueline from St. Louis for sharing your bill about both hitting your sisters car AND setting up recurring payments by check through paypal rather than paying feeBILL OF THE WEEK - frugalfriendspodcast.com/bill If you want to submit your bill of the week visit to leave us a billPolicyGeniusJen- Shopping for insurance can seem like a daunting task, but Policygenius makes it easy and saves their home & auto customers an average of $1,127 a year. They find the lowest quotes from over 30 top insurers. So if you’re a homeowner, head to Policygenius.com right now to get started and make sure you’re getting the best rates on your home and auto insurancSee omnystudio.com/listener for privacy information.

We've talked about side hustles and selling our gently used items to bring in more cash and now we're introducing the idea of a side business! If this feels next level, it is. BUT we hope this episode helps give some sunlight and water to those seedling ideas that may be sprouting in your mind about putting your skills and talents to work in a way that benefits your budget big time!Sponsors: Whether you’re new to budgeting or trying to reach a big financial goal and need something to motivate you, you’ll enjoy The Frugal Friends Workbook. It’s a digital workbook with 6 week-long challenges that will help you save money, simplify your life, improve money conversations, and more. It’s over 60 pages and can be completed on your own but it’s created to be gone through in pairs or small groups that’s why every purchase comes with two downloads so you can share or split the cost. Head to Frugalfriendspodcast.com/workbook to learn more and use the code TACOBELL all one word to get $10 off the regular price.Frugal Friends Workbook. Or SAPTOS for short. Searching for a way to make money on the internet? Every article you read will without a doubt recommend online surveys! You’ll spend hours trying to take surveys you won’t qualify for and more hours taking surveys you’ll get paid pennies for. And you’ll learn nothing about yourself. At SAPTOS we urge you, If you see online surveys as a suggestion for how to make more money, close the tab immediately.Society Against People Taking Online Surveys.A future episode will be about negotiating raises, job hopping, and making more in the workplace.Today is about what mindset shifts do we need to make and what strategies can we use to make more money.Notable Notes:What the Internet has to say:This article from Hack The Entrepreneur gives us the top tips for shifting our mindset to think like an entrepreneurWhat Jen + Jill have to say:Decisiveness Accountability HumilityConfidenceResilience :More from the InternetThis article from Entrepreneur provides some unique ideas of ways to make the most of $100 from some of the top business leadersMore from Jen + Jill:Buy or flip - find out what it’s worth and best place to sellTest before you invest - test out your idea (ex of spending $100 on FB adds to see what the interest is)Don’t forget service“The best way to drum up business with a zero marketing budget is to service the crap out of existing clients.”Sell or serviceUtilize your expertiseIt’s never about the moneyThank you Emily for sharing your bill with us about $6 packs of light bulbs that will also save you money on your electric bill!BILL OF THE WEEK - frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a billThis Bill of the Week is brought to you by BetterHelp. BetterHelp offers online counseling and therapy services for individuals, couples, and teens. Just answer a few questions and they’ll  assess your needs to match you with a licensed professional therapist that fits your needs and preferences. AND as a Frugal Friends listener you get 10% off your first month when you sign up at betterhelp.com/Frugal.Lightning RoundHow we started our side business ventures selling road side plants!Jill-- t-shirt businessJen- this podcasJillSee omnystudio.com/listener for privacy information.

Have you ever bought something to make yourself feel better? Or splurged on something only to feel instant guilt afterward? We may not always realize it, but our spending habits are incredibly connected to our emotions; recognizing this can unlock some strategies for seeing the financial progress we desire! We're thrilled to share our conversation with Leslie about identifying our own emotional spending habits, how to curb them, and ways to engage in healthy spending patterns.Sponsors: B3 is Jen’s new course designed to help you stick to a budget in just one week. If you find yourself busting your budget every month then you’re definitely going to want to check it out. There are no money saving tips in here, just 5 strategies to think differently about budgeting so you can finally stick to it and do it long term. If you’ve tried budgeting and it just hasn’t worked for you then check out budgetbusterbootcamp.com to learn more and use the code FRIENDS to get 10% off!Budget Buster Bootcamp! whether you’re spending has gotten a little out of control OR maybe you’re being too loud at the store about how outrageous the prices are and your friend keeps shushing you - you gotta ‘reign it in’. Grab that situation by the reigns, and just pull it back a little.Reigning it in:Notable Notes:Leslie H. Tayne, Esq. is a New York debt settlement attorney with nearly 20 years’ experience in the practice area of consumer and business financial debt-related services. She is highly accomplished in negotiation and settlements, and has gone up against large national banks, credit unions, collection agencies and multiple creditor legal representatives. We're excited to share some of our top questions and learnings from our time with Leslie!What is emotional spending?Spending on items for emotionally charged reasons rather than out of necessity or intentionalityHow do you identify emotions that trigger spending?Track your spending! Pay attention to what is prompting spending and how you feel before, during, and afterWhat are some alternatives to emotional spending?Identify healthy coping strategies for some of the common emotions that could lead to unnecessary spendingHow can you recover if you have made an emotional purchase?Being kind to selfWrite down what happenedDecide how you want to move forward - perspective of learning from this experienceThank you Leslie for sharing your bill about your recurring purchases and how you negotiated EVERY.SINGLE.ONE.BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billWe also want to thank Philo for sponsoring our Bill of the Week! Philo is live and on-demand TV for just $20 a month. It’s a great way to get 60+ popular channels and can save you hundreds a month on TV—it’s the most affordable way to watch at a time when everyone could use  some entertainment in their life! Watch from your phone, laptop, tablet, or TV with Roku, Fire TV, Apple TV, or Android TV; Philo is TV for everyone! Sign up today at philo.tv/frugal and you’ll get 25% off your first two months.Lightning Round: Find out the different types of emotional spending from this Bustle article.What type of emotional spender are you!?The Instant gratification spender(This is Jen and Leslie! target, aldi, etc.)Shop to escape Competitive spenderTrying to create a “new” youBuy & ReturnSee omnystudio.com/listener for privacy information.

We can often struggle to make big dents in our savings or debt payoff journey which leads to feelings of frustration and defeat. When the small spending changes aren't cutting it anymore, we might consider a no-spend challenge! We've explored doing this for a day, or a week, but on this episode we talk about challenging ourselves to not spend for an entire month! Join us as we explore how 'gamifying' finances can help us achieve the progress in our budgets we so desire! Sponsors: B3 is Jen’s new course designed to help you stick to a budget in just one week. If you find yourself busting your budget every month then you’re definitely going to want to check it out. There are no money saving tips in here, just 5 strategies to think differently about budgeting so you can finally stick to it and do it long term. If you’ve tried budgeting and it just hasn’t worked for you then check out budgetbusterbootcamp.com to learn more and use the code FRIENDS to get 10% off!Budget Buster Bootcamp! Sinking funds are essential to afford big purchases like a home, a vacation, or new windows like we’re getting right now after months and months of putting it off because seeing all that money leave your bank account is really sad. But the energy you waste with paper thin windows from the 50’s is also sad so like there’s no joy here. Spending all the money you saved. I hate to see you leave but I love to watch you lower my energy bill.Spending all the money you saved.We also want to thank Philo for sponsoring our Bill of the Week! Philo is live and on-demand TV for just $20 a month. It’s a great way to get 60+ popular channels and can save you hundreds a month on TV—it’s the most affordable way to watch at a time when everyone could use  some entertainment in their life! Watch from your phone, laptop, tablet, or TV with Roku, Fire TV, Apple TV, or Android TV; Philo is TV for everyone! Sign up today at philo.tv/frugal and you’ll get 25% off your first two months. Notable Notes:We're excited to share this episode from our archives. It was a much loved episode at the time, and we think it has some great reminders that are worth revisiting about how to do a no-spend month!Wrap-up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

We've all been there; lending to friends and never seeing that money again, 'splitting the bill' when you only got a salad and a water, standing up in a wedding without realizing all the hidden costs. Whatever the situation, setting financial boundaries with friends and loved ones can be tough, but necessary! Today we talk identifying our financial boundary lines and how to draw them.Sponsors: B3 is my new mini course designed to help you stick to a budget in just one week. If you find yourself busting your budget every month then I made this course for you. There are no money saving tips in here, just 5 strategies to think differently about budgeting so you can finally stick to it and do it long term. If you’ve tried budgeting and it just hasn’t worked for you then check out budgetbusterbootcamp.com to learn more and use the code FRIENDS to get 10% off!Budget Buster Bootcamp! Yup, you’ve heard this sponsor before, and they’re back to remind us that ‘no’ is an acceptable answer AND a complete sentence.Saying NO:Notable Notes:What the Internet has to say:This artcile from Holly Scherer dives into how to set healthy boundaries with your family What Jen + Jill have to say:What’s mine/what’s not mine - look at the situation simplisticallyHow to identify our boundaries: Brene Brown defines it best as she describes boundaries are essentially “what’s okay and what’s not ok”More from the Internet:This article from Workable Wealth describes how we can set money boundaries with friends More from Jen + Jill:Identify the various types of 'financial frenemies' you're dealing withHave a strategy for supporting friendsBILL OF THE WEEK - Thank you Ally for sharing your bill with us about duck bills!!frugalfriendspodcast.com/bill If you want to submit your bill of the week visit to leave us a billThis Bill of the Week is brought to you by BetterHelp. BetterHelp offers online counseling and therapy services for individuals, couples, and teens. Just answer a few questions and they’ll  assess your needs to match you with a licensed professional therapist that fits your needs and preferences. AND as a Frugal Friends listener you get 10% off your first month when you sign up at betterhelp.com/Frugal. Lightning RoundOur financial boundary stories Jen- bridesmaid, bridal shower costJill - boating (speaking expectations), helping someone moveWrap-up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

As frugal folk, we're always interested in finding ways to save money and spend less - which is why we are thrilled to have Lisa Rowan on the show to talk about some lesser known 'hacks' to both save and earn money!Sponsors: Whether you’re new to budgeting or trying to reach a big financial goal and need something to motivate you, you’ll enjoy The Frugal Friends Workbook. It’s a digital workbook with 6 week-long challenges that will help you save money, simplify your life, improve money conversations, and more. It’s over 60 pages and can be completed on your own but it’s created to be gone through in pairs or small groups that’s why every purchase comes with two downloads so you can share or split the cost. Head to Frugalfriendspodcast.com/workbook to learn more and use the code TACOBELL all one word to get $10 off the regular price.The Frugal Friends Workbook! Yeah they exist. You might’ve forgotten what it’s like to not have just virtual friends but real friends do exist. They’re the ones that help you move, bring you dinner when you have a baby, and go to the beach with you. Real life friends, get em.Real Friends!Notable Notes:We were thrilled to ask Lisa all. the. questions. here's our top favorites:You have 47 tips alone for curbing mindless spending, what are some of your favorites?Reconsider whether memberships are worth itDo a no spend challengeHit the gym - it has so many benefits for your wellbeing AND keeps you from spending that time spending money!You have a chapter in your book called 'Get Debt Free' but there were a lot of great credit building hacks in there. What’s your favorite from this chapter?Consider a goodwill letter to creditors - it can make a serious differenceClaim your missing money - go to your states directory and look up your nameWhat are your favorite tips to earn more moneyGet a mentor! Look within your career to find an advocate to help you advance in your careerSide hustles - survive anything for a seasonHow about planning for the future?You can start a 529 plan for yourself! AND it's not restricted by the state you live inBILL OF THE WEEK - Thanks Lisa for sharing your bill about getting all your money back for a cancelled trip!frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a billLightning RoundAreas where we’re currently cutting back on spending and how:Lisa - perishable food waste - finding ways to maximum fresh foods i.e. making one pot meals, salad ingredients I like and know I will eatJill - cutting back on take outJen - cutting back on fast food  Get more from Lisa:lisarowan.comAND check our her book Money Hacks Wrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

It's no shocker that buying a home is a huge expense - which is why we are interested in ways to cut costs! On this episode we talk both buying and refinancing our homes and ways to save on both.Sponsors: Whether you’re new to budgeting or trying to reach a big financial goal and need something to motivate you, you’ll enjoy The Frugal Friends Workbook. It’s a digital workbook with 6 week-long challenges that will help you save money, simplify your life, improve money conversations, and more. It’s over 60 pages and can be completed on your own but it’s created to be gone through in pairs or small groups that’s why every purchase comes with two downloads so you can share or split the cost. Head to Frugalfriendspodcast.com/workbook to learn more and use the code TACOBELL all one word to get $10 off the regular price.The Frugal Friends Workbook! Well we have a complicated sponsor today - but it’s quite fitting as we discuss home buying. Take stamps for example - what one would think costs 55cents and be used to mail a letter, when it comes to home buying this is nowhere near what the word ‘stamps’ mean! No no no - ‘stamps’ are hundreds of dollars, you never actually see them, nothing gets mailed anywhere as a result, but they are apparently necessary and there’s no circumventing them. High price tags on what should be low cost items: it’s all part of the home buying magic.Very High Price Tags on Seemingly Insignificant, low cost items:Notable Notes:What the Internet has to say:This article from The Lenders Network lists off 7 ways to cut costs when buying a houseWhat Jen + Jill have to say:1. Use an experienced LOCAL real estate agent2. Get loan quotes from multiple lenders4. Increase your credit score5. Find a house that needs some work6. Get the right type of mortgage loan7. Purchase a home in the winterMore from the Internet:This article from Mortgage Loan provides 6 ways to save when refinancing your mortgageMore from Jen + Jill:Pay  closing costs and points up frontDon’t take cash out - this type of refinance is more expensiveImprove credit scoreShop aroundHave history with your lender - you can stick with them!Prepare for an appraisal (make sure everything is in working order!)BILL OF THE WEEK - Thank you Louisa for sharing your transportation bill - not buying gas for 44 DAYS!!! Congrats!frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a billLightning RoundOther ways to saveJen- home insurance: shop around, check for rates reductions that the home qualifies for or on work that needs to be done soon.Jill- calculate if you save more by not putting 20% down. PMI usually costs .5% to 1% of loan. Factor in cost of renting, etc.Jen- Monetize your home - rent out the guest room on AirbnbJill- consider purchasing in a lower cost of living areaWrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

Whether you're married, in a serious relationship, or 'surveying the landscape' we could all use some refreshers on ways to enjoy time with our romantic interests in a frugal and affordable way! On this episode we're exploring some of the costs we don't always consider, as well as some fresh ideas for inexpensive dates.Sponsors:  Whether you’re new to budgeting or trying to reach a big financial goal and need something to motivate you, you’ll enjoy The Frugal Friends Workbook. It’s a digital workbook with 6 week-long challenges that will help you save money, simplify your life, improve money conversations, and more. It’s over 60 pages and can be completed on your own but it’s created to be gone through in pairs or small groups that’s why every purchase comes with two downloads so you can share or split the cost. Head to Frugalfriendspodcast.com/workbook to learn more and use the code TACOBELL all one word to get $10 off the regular price.The Frugal Friends Workbook!Wondering what to do for a low key date night at home? Start a TV Series. You’ll avoid the “what are we doing tonight?” question for at least a month! Avoid the cost of restaurants and the uncertainty of events by getting sucked into a TV series with 7+ seasons. You’ll have even more fun by choosing a series that has a spinoff! TV Series, because eventually you’re going to have to stop scrolling the Netflix homepage and just watch something.TV Series: Notable Notes:What the Internet has to say:This article from Chime outlines for us some of the hidden costs of dating we often don't plan for, but should!What Jen + Jill have to say:Beautifying yourself - link to make-up epTransportation - link transport epTime is money - and we give this up as we date our significant other!Intimate wearDating appsBirth control:More from the InternetThis article from And Then We Saved gives a comprehensive list of 98 frugal and fun date ideas!More from Jen + Jill:Ummmm we all know movies at home are an option...so let's get to the good stuff..Build something togetherFind the best happy hour - make apps your mealPlay ping pong (or tennis lol)Teach each other something….but be warned!Book club/read to each otherWork out togetherOutdoor activities- check GrouponBreakfast dateTalk about your future- Plan your financial goalsWash your carsThank you Sherri from novia scotia for sharing your amazing yatze computerized opponent named ‘Bill’!BILL OF THE WEEK - frugalfriendspodcast.com/bill If you want to submit your bill of the week visit to leave us a billALSO sponsored by Grammerly! A free Chrome extension that helps keep your writing grammatically correct and error free! We love using Grammarly Premium for its plagiarism detector and have found its other features to be very useful! Because Grammarly is a sponsor of the show you can get 20% off Grammarly Premium, which will 100% make you a better writer whether it’s for work or personal. Just go to Grammarly.com/frugal to get 20%.Lightning RoundOur best and worst datesJill - BEST = french town, yard sales, wineriesJen- BEST = our first date was the bestJill - WORST = learning to drive manualJen- WORST = vacation in BaliWrSee omnystudio.com/listener for privacy information.

Having and raising children can be expensive! And with so many different products and precautions vying for our money it can be tough to know where to spend and where to save. We're thrilled to have Chelsea Brennan, founder of Smart Money Mamas and former hedge fund investor to talk about the important pieces to consider when having kids and the items most parents don't think about, but should!Sponsors: Whether you’re new to budgeting or trying to reach a big financial goal and need something to motivate you, you’ll enjoy The Frugal Friends Workbook. It’s a digital workbook with 6 week-long challenges that will help you save money, simplify your life, improve money conversations, and more. It’s over 60 pages and can be completed on your own but it’s created to be gone through in pairs or small groups that’s why every purchase comes with two downloads so you can share or split the cost. Head to Frugalfriendspodcast.com/workbook to learn more and use the code TACOBELL all one word to get $10 off the regular price.The Frugal Friends Workbook! that feeling you get when you see literally ANYTHING that is tiny and overwhelmingly adorable that you grit your teeth, clench your muscles, and say weird things that you would never ACTUALLY do but somehow feels right to say. Cute aggression: you either understand it completely or you are entirely concerned by it - there is no in-betweenCute Aggression - Notable Notes:We asked Chelsea all about her insights and top tips on raising babies frugally! Here's our highlights:What are some costs new mom think they need to spend money on but really aren’t necessary?Basically everything… :)For real though, set up the nursery later - most infants will sleep in your room for the first few months anyhow!Consider if the thing you are about to purchase will actually cause anxietyBeware of educational development marketing - they want your money - not to make your baby smarterWhat are some costs new parents might not think about but are legitimately important? Life insurance (for parents plan for 6-10x your salary) + Estate plan (particularly to name guardians)Trust and WillHaven LifeLadderBestow (no exam necessary)Policy GeniusEmergency Binder - by Smart Money MamaBaby emergency fundConsider night nurse/food delivery. etc.For the things we need, what are some ways to save money.Local buy nothing groupsBorrow from friendsFB marketplaceMom FB groupsThrift storesConsignment events What should new moms be prepared for as far as medical costs for delivery and baby well checks?ACA often covers baby well checksCALL INSURANCE provider to learn about coverageUnderstand what your deductible isRecognize possibility of paying deductible 2xOptions - what they cover (small perks)Call hospital and get range of numbersSelect an office that has a set priceConsider birthing center (if healthy/non-complicated pregnancy)BILL OF THE WEEK - Thank you Chelsea for sharing about your bill for your sit to stand desk!rugalfriendspodcast.com/bill If you want to submit your bill of the week visit fto leave us a billToday’s Bill is brought to you by '>See omnystudio.com/listener for privacy information.

So you've done the declutter and achieved a degree of minimalism and frugality that feels right for you...now what?? On this episode we talk all about what to do after the 'purge' and some sustainable and responsible ways to give, sell, or donate your used and unwanted things!Sponsors: The Frugal Friends Workbook is officially available! The Frugal Friends Workbook is a digital download with 6 week-long challenges that will help you improve your spending, declutter your life, become a better negotiator, have more money conversations with the people in your life, and more. The workbook can be completed on your own but it’s created to be gone through in pairs or small groups. Don’t have a partner or small group? No worries! If you purchase the workbook during launch week you will get access to a 6-week Facebook group where you can find others who’ve purchased the workbook and form your own groups. Jill and I will also be available to answer questions and guide you. If you’re listening in real time, August 14, this is the last day to get that bonus. Also the workbook is $34 but it’s also the last day we’re offering it at $24 so head to Frugalfriendspodcast.com/workbook and join the fun!The Frugal Friends Workbook! You know the kind :)Book of CD's:Notable Notes:What the Internet has to say:This article from The Verge gives us tips on how to get rid of all the stuff we've decluttered from our homes...responsibly!What Jen + Jill have to say:TechCheck out manufacturing trade in deals (apple, android)Sell old stuff (ebay, FB marketplace)Declutrr gives quote on your tech (and may also take books, CDs, DVDs, legos)Swappa (charges buyer, not seller)Amazon has trade in program (payment in form of gift card)CharityComputers with a CauseWorld Computer ExchangeGlobetopsSo old no one wants it?Recycle - check with town/city for recycling center - check out earth911 for nearest recycling centerLOL - give it to a museum????!!Books Sell Amazon, Abebooks, Powells (give ISBN, condition, mail in book, they sell and give you money)Textbooks - Chegg, bookbyteGiveBetter world books - list of dropsitesBooks for soldiersLibrariesClothingSell: the real real - designer stuffGive to charity - charity navigator, guidestargivebackboxEverything else EbayFreecycle, buy nothing groups, neighborhood appMore from the Internet:This article from NBC News gives us some more ideas on how to get rid of items that we no longer need See omnystudio.com/listener for privacy information.

In this episode we share our minimalist approach to personal finance. This is certainly not comprehensive but if you’re just starting out these are the things to focus on before you get distracted by everything else in the personal finance ecosystem. Sponsors:  TODAY is the day folks! The day you’ve been waiting for! The Frugal Friends Workbook is officially available! The Frugal Friends Workbook is a digital download with 6 week-long challenges that will help you improve your spending, declutter your life, become a better negotiator, have more money conversations with the people in your life, and more. The workbook can be completed on your own but it’s created to be gone through in pairs or small groups. Don’t have a partner or small group? No worries! If you purchase the workbook during launch week you will get access to a 6-week Facebook group where you can find others who’ve purchased the workbook and form your own groups. Jill and I will also be available to answer questions and guide you. You have to purchase by August 14 to get that bonus. And the workbook is $34 but for this week only it’s $24 so head to Frugalfriendspodcast.com/workbook and join the fun!The Frugal Friends Workbook! No further explanation needed. just thought we could all use a reminder. Being kind: minimal effort - great reward.Being Kind.ALSO sponsored by Grammerly! A free Chrome extension that helps keep your writing grammatically correct and error free! We love using Grammarly Premium for its plagiarism detector and have found its other features to be very useful! Because Grammarly is a sponsor of the show you can get 20% off Grammarly Premium, which will 100% make you a better writer whether it’s for work or personal. Just go to Grammarly.com/frugal to get 20%.Notable Notes:Now let's get into it; on every 7th episode we replay one of our most popular episodes that’s at least a year old and because we’ve spent so much time the past few weeks working on something special for you (a.k.a. the workbook!!), today is one of those episodes! ENJOY!Wrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

Traveling and vacationing is very difficult right now with all that is going on in the world which is why we are very excited to talk with Danielle Desir from The Thought Card about ways we can enjoy the summer, experience new things, and get creative in safe and affordable ways!  https://thoughtcard.com/ Sponsors: ! We are so excited to share this with you next week! We have designed this workbook to be six week-long challenges that will help you identify changes you can make to become more frugal long term. You can definitely do them on your own but the workbook is really designed to 8be done in pairs or small groups. And don’t worry if you don’t have a friend to go through it with because if you buy during launch week we will have a way for you to connect with other people who’ve also bought the workbook so you can set up some groups. It launches August 7th and if you want that buy now button in your inbox on launch day go to frugalfriendspodcast.com/workbook.The Frugal Friends Workbook You may not be able to take that international trip you were planning this summer or go to that conference that is your one week a year you get to escape from your normal life and hang out with other people who understand youBrowsing the Internet!Notable Notes:We asked Danielle her top tips for frugal vacations, especially in the age of COVID and travel limitations:For people who want to take a break but can’t or just don’t want to leave the house, what are your recommendations for frugal staycations?-hiking-walking/running-check out local restaurants2. How about local travel? How can we save on safe activities and other stuff?-consider whats within a few hours-check regulations3. What about road trips? Any advice for safe and affordable road trips?-identify your comfort level-check state requirements-viatur.com - travel offers-travelzoo - every Wednesday they post top 20 deals-gate1 travel-tripadvisor-use pinterest as search engine4. How can we get financially prepared for travel in the future?-define comfort level-check credit card if not getting money backBILL OF THE WEEK - Thank your Danielle for sharing your bill about dropping a bill you don’t need anymore! AND saving for backyard weddingfrugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a billLightning RoundOur upcoming travel plans, how we've had to alter them due to covid, and what we're doing to save on them.Danielle - traveling localJill - MOVING!Jen - an 'early adopter' and went on a quick trip to NashvilleWhere people can find more about youBlogPodcast: The Thought CardIG, FB, twitterBook: “Traveling With a Full Time Job”We also want to thank Danielle for sharing about WOC Podcasters; a community of content creators. AND for providing us with a list of her current favs:Freelance Friday - Latasha JamesSchool of Ambition - Dielle Charon'>See omnystudio.com/listener for privacy information.

If you've ever been curious about what it would be like to pair down your clothing essentials, this one's for you! While there are all sorts of definitions and guidelines out there for how to achieve a 'capsule' or minimalist wardrobe, we are providing the foundational tips and principles to create a closet that is simple and beloved.Sponsors:  The Frugal Friends Workbook! We are so excited to share this with you in two short weeks! We’ve always worked to promote healthy conversations about money and those don’t have to start with telling people how much debt you have and what your 401k is invested in. So The Frugal Friends Workbook helps you do that with challenges and questions designed to help you open up about money but also change some habits. It launches August 7th and if you want that buy now button in your inbox on launch day go to frugalfriendspodcast.com/workbook.Jen- Less is more - when it comes to garlic knots, pasta, and doughnuts this couldn’t be further from the truth - BUT our sponsor wants us to know that sometimes having less of something provides space for more of something else - kinda like less complaining leads to more joy. Less is more - only true for some things in life.Jill-Notable Notes:What the Internet has to say:This article from Be More With Less gives us 3 foundational tips for building our own capsule wardrobe.What Jen + Jill have to say:1. See2. Sort3. ChooseMore from the Internet:This article from The Blissful Mind provides us with a list of the top 10 capsule wardrobe essentialsMore from Jen + Jill:Choose a color palette. It's ok to like black/grey/white, but you can also make it colorful!We love their definition of a capsule wardrobe: "A small collection of useful clothing that you love” - now how great does that sound?!BILL OF THE WEEK - This week's bill is brought to us by EveryPlate; America's best value meal delivery kit! We tried it and agree that the food is fantastic, affordable, and super convenient! EveryPlate’s recipes come with everything already pre-measured so we don’t buy a whole bunch of stuff at the grocery store that will just go to waste. And every meal comes together in about 30 minutes – definitely faster than a trip to the grocery store or starting a meal from scratch. You can get 3 weeks of EveryPlate meals for only $2.99 per meal by going to EveryPlate.com and entering code FRUGAL3 at checkout. Thank you so much Chanelle for submitting your bill of the week well done on negotiating your rent! We are amazed!frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a billLightning RoundWhat you always wear, what you never wear (but people say should be in a capsule)Jen- yes: athletic wear, no: heels, jewlery Jill- yes: cardigan and scarf (doesnt matter the season); no: jewelry (sunglasses???)Wrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

We all experience transitions in our lives; some foreseen, others unforeseen and while these changes impact our whole personhood, we want to explore how to sustain financially through these stressful shifts. From divorce to job change, today we're talking about what we should be focusing on to come out the other side aimed at financial well-being!Sponsors: Our show has always been about coming together around a shared desire to save more, consume less, and do great things financially and we have been working our hearts out to bring you something that helps you do that better and it’s called The Frugal Friends Workbook. We worked too hard on the inside to come up with a better name. The Frugal Friends Workbook can be completed on your own but it’s created to be gone through in pairs or small groups. It’s 6 week-long challenges that will help you become more frugal in various aspects of your life. It launches August 7th and you will be hearing more about it in the weeks to come.The Frugal Friends Workbook! Specifically the great Instagram post I saw that said you have every right to give em a plot twist. Plot twists:What the Internet has to say:This article from Forbes lists out some important steps to take specifically when walking through a divorce, but we find these tips helpful for all sorts of transitions we may face!What Jen + Jill have to say:Update accountsBuild a “post divorce team” - financial advisor, therapist, vocational counselor (FRUGALLY!)Develop a financial planMore from the Internet:This article, again from Forbes, lists out how we can think about and be prepared for a career change.More from Jen + Jill:Understand your costs & Cut expensesMake sure new career can cover your costsSave!Take your time (stick with ‘old’ profession as you learn the new one)Thank you Erica from NJ for sharing your bill about PAYING OFF 2 credit card! Congrats!BILL OF THE WEEK - Sponsored by Grammerly! A free Chrome extension that helps keep your writing grammatically correct and error free! We love using Grammarly Premium for its plagiarism detector and have found its other features to be very useful! Because Grammarly is a sponsor of the show you can get 20% off Grammarly Premium, which will 100% make you a better writer whether it’s for work or personal. Just go to Grammarly.com/frugal to get 20%.frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a billLightning RoundHow we navigated big life changesJill - current move to FLORIDAJen- Career change from acupuncturist to writer to freelancerWrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

Despite how important budgeting is for our frugal lifestyles, we often skip over this step or struggle to find a method that works well for us. For this reason (and many others) we are over the moon to share our conversation with THE Rachel Cruze about her budgeting tips and the ways we can tailor our budgets to make sense for our lives and circumstances!Sponsors:  As if it wasn’t hard enough to source our own sponsors, now the world has fallen apart and there are no ad budgets for podcasts. While we look for our next sponsor, here are 2 ways you can support us. 1st is to buy a discounted gift card from Raise. Raise sells gift cards at a discounted price to all kinds of places. Find a store you’d shop at anyways and you can save money right off the top by using a discounted gift card to purchase it! When you use our referral link: frugalfriendspodcast.com/raise you’ll get $5 to spend and we will too!2nd is to sign up for Rakuten and spend $25 at any online store they offer cash back at. Sign up at frugalfriendspodcast.com/rakuten and download the chrome extension to see every time Rakuten offers cash back at a store. If you do this you will get $10 bonus cash back and so will we. YOUR AD HERE:when you experience something awful so that others don’t have to, or you learn a new lesson the painfully hard way so that others can pick it up easily. Kinda like taking a soccer ball to the face at recess. Taking one for the team; it’s not pleasant, but the rest of us are grateful.Taking One for the Team: Notable Notes:We were honored to ask Rachel Cruze all about her budgeting tips and ways to tailor our budgets to work for us!How can someone who busts their budget every month safeguard themself to stop spending out of control?How about for the opposite person who just wants to hoard money and that’s keeping them from reaching financial goals?How can someone make the cash envelope or clip system work if they don’t like carrying cash?What should someone do after they break their budget, like they get an unexpected bill or they go into Target for one thing and come out with 12?!BILL OF THE WEEK - Thanks Rachel for sharing with us your tip about spending less at target than expectedfrugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a billLightning RoundOur most recent budgeting flop and how we recovered. Rachel- food! Recovered by spending less in other areasJen- newspaper subscription :/Jill- thankfully not doing much right now; but FOOD - always food! That pendulum swings and I get real tired of figuring out meals everyday. I do best in the radical middle (some meals at home, some take out - or a mixture i.e. CFA chicken on my own salad)Website, ShowRachel Cruze daveramsey.com/hopeGiving away 14 day free trial of financial peace Wrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

We are starting in on our summertime listener requests today with a show all about making the most of your outdoor space, no matter how big or small, as inexpensively as possible.Sponsors:  We love you guys. You are the third most important reason we keep doing this podcast behind liking each other and the money. And if you would like to support the show head to FrugalFriendsPodcast.com/support to find free and inexpensive ways you can help us big time with little effort!Listeners like you: Want to get your neighbor to mow their overgrown lawn? Send neighbor kids to knock on their door with a lawn mower various days throughout the week. The neighbor kids will either make some money mowing the lawn or the neighbor will eventually be shamed into doing it themself. Neighbor shame, if you care more about your neighborhood looking nice than actually being nice. Neighbor shame:Notable Notes:What the Internet has to say:This article from Budget Dumpster gives us some great ideas for making our yards look great on a budgetWhat Jen + Jill have to say:Vertical Garden - consider this approach if short on space AND can be inexpensive to make if using recycled materials (i.e bottles, containers)Utilize Color - consider how you use paint; if you have ‘mismatched’ planters but prefer a more clean look - paint it!Look for plant swaps in your areaPlant useful! FORM AND FUNCTIONRosemary - fleas+ticksPeppermint - ants, spiders mosquitoesBasil - mosquitoes + house fliesLavender (the cadillac of plants!)- moths, fleas, flies, mosquitosGround cover - natural perennial ground cover (i.e. sedum, creeping periwinkle, violets, pansies, snow glories, moss flox)Incorporate inexpensive lighting, fire pit, seatingCompost instead of mulch, free mulch from tree companiesSave old tires from the dumpMore from the Internet:This article from An Oregon Cottage gives us a list of the top 10 plants to grow that give us a great return on our moneyMore from Jen + Jill: Herbs - easy to grow, not bothered by pests, grow in mediocre soilBASIL - freezes well, also PESTO!Squash - super high yield at peak (veggie noodles, breads, stir fry..)*important to pay attention to your climate and the varieties and types of fruits/veggies that can be grown in your areaLettuce and greens - hearty and fast growerHot peppers - we love salsa!BILL OF THE WEEK - Thank you Amanda for sharing your utility bill that you dropped by $13frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a billLightning RoundHow we do/will maintain our lawnsJillPersonally most concerned about decreasing maintenance - plan to have little to no grass in backyardPlant usefully - I like flowers, but I also REALLY like food - veggies will be priorityPlan to live life outdoors quite often - creating oasis (with my own hands) will save money on labor and hopefully in other areas in the long runPropogate my own - from my own yard/garden AND others - considering this before I buy any plants!Jen- I kill everything so I don’t have a garden. We compost and use well water to water our lawn.Wrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to '>See omnystudio.com/listener for privacy information.

Some say money can't buy happiness, but what if it can? Today we're talking 'happy money principles' and ways to align your dollars with your values and use money as a resource to experience greater intentionality with your spending.Sponsors: As if it wasn’t hard enough to source our own sponsors, now the world has fallen apart and there are no ad budgets for podcasts. While we look for our next sponsor here’s how you can financially support us without giving us your money. 1st is to buy a discounted gift card from Raise. Raise sells gift cards at a discounted price to all kinds of places. Find a store you’d shop at anyways and you can save money right off the top by using a discounted gift card to purchase it! When you use our referral link: frugalfriendspodcast.com/raise you’ll get $5 to spend and we will too!Sign up for Rakuten and spend $25 at any online store they offer cash back at. Sign up at frugalfriendspodcast.com/rakuten and download the chrome extension to see every time Rakuten offers cash back at a store. When you spend $25 through rakuten you earn $10 CASH MONEY! So that’s one way you can help us without spending any money beyond what you’ve already budgeted for.YOUR AD HERE: it’s what makes me happy and it’s what repels cavities. Chewing gum, it’s a win-win.Chewing Gum: Notable Notes:What the Internet has to say:This article from Forbes provides us with 5 principles of happy moneyWhat Jen + Jill have to say:1. Buy experiences- “research shows that material things turn out to provide less happiness than experiential purchases.”2. Make it a treat- “When something is always available people are less inclined to appreciate it. Look for ways to turn your favorite things into a treat again. This may mean cutting back on them for a while.” #absencemakestheheartgrowfonder3. Buy time- “outsource your dreaded tasks in order to have more time to follow your passions. If money is an issue, consider outsourcing things like cleaning the house so you can work more and earn more money to pay for the house being cleaned.”4. Pay now, consume later- “By paying up front and delaying consumption, you can buy more happiness even as you spend less money. Because delaying consumption allows spenders to reap the pleasures of anticipation without the buzzkill of reality, vacations provide the most happiness before they occur.”Provides something to look forward #hope5. Invest in others- “Research has shown that spending money on others provides a bigger happiness boost than spending money on yourself.”More from the InternetThis article from INC provides us with some top tips for 'happy spending'More from Jen + Jill1. Spend it on extra time- hire a housekeeper, virtual assistant, splurge for grocery delivery2. Spend it on a great experience- just because physical things last longer doesn’t mean they bring happiness for a longer period of time. When creating your budget, prioritize at least 1 experience each month.3. Spend it with someone you care aboutBUT SPEND WITHIN YOUR MEANS4. Spend it on someone else - 'tis better to give than to receiveBILL OF THE WEEK - Thanks Olivia for sharing about your $2 bill that you used to FILL UP the gas tank on your scooter!frugalfriendspodcastIf you want to submit your bill of the week visit See omnystudio.com/listener for privacy information.

Sometimes our budgets, financial goals, and lifestyles don't fit into a nice neat box; we find that our approach needs to be individualized and create space for freedom! This is why we are excited to share one of our top most listened to episodes with Merilee from Easy Budget; tune in (again!) to hear about how she modifies the baby steps to fit her needs!Sponsors: As if it wasn’t hard enough to source our own sponsors, now the world has fallen apart and there are no ad budgets for podcasts. While we look for our next sponsor here’s how you can financially support us without giving us your money.YOUR AD HERE.1st is to buy a discounted gift card from Raise. Raise sells gift cards at a discounted price to all kinds of places. Find a store you’d shop at anyways and you can save money right off the top by using a discounted gift card to purchase it! When you use our referral link: frugalfriendspodcast.com/raise you’ll get $5 to spend and we will too!Sign up for Rakuten and spend $25 at any online store they offer cash back at. Sign up at frugalfriendspodcast.com/rakuten and download the chrome extension to see every time Rakuten offers cash back at a store. When you spend $25 through rakuten you earn $10 CASH MONEY! So that’s one way you can help us without spending any money beyond what you’ve already budgeted for. The psychological concept that refers to how strongly you believe you have control over the situations and experiences that affect your life. People with a strong internal locus of control have greater confidence in their ability to make change through their own actions and often have higher self-esteem. An internal locus of control, focus on what you can control and create your own path, don’t wait for others to create it for you.Internal Locus of control:Notable Notes:We got to ask Merilee all of the questions! She shares more about their debt free journey and how they have made this process work for them.When and how did your debt free journey start?Tell us about the ways you and your husband approach money differently, and what struggles have you faced during it?How are you modifying the baby steps and are you happy with those modifications?Merilee's modifactions:Still contributing to 401kBought a house during baby step 2Maintain a bigger emergency fundHow do you stay motivated?Questions -  Thanks Merilee for sharing your favorite bill and your love for amazon prime!! (Here's the link to the Tinkle Razor for anyone interested ;))BILL OF THE WEEKIf you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill More from MerileeWhat are your recommendations for side hustles for stay at home moms?Nanny - find gigs where you can bring your own children or watch others’ children in your homeFind stay at home work - such as appraisalsConsider selling items on EtsyAsk around! Be creative!Tell us about your debt snowball calculator?Find Merilee's awesome creations HEREWrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

We talk a lot about paying off debt and most of the time that debt includes student loans but what about just not getting into student loan debt? Is that even possible? We think, now more than ever, it is. College is changing and today we’re talking about how you can adapt and graduate college without debt.Sponsors: : As if it wasn’t hard enough to source our own sponsors, now the world has fallen apart and there are no ad budgets for podcasts. While we look for our next sponsor here’s how you can financially support us without giving us your money.1st is to buy a discounted gift card from Raise. Raise sells gift cards at a discounted price to all kinds of places. Find a store you’d shop at anyways and you can save money right off the top by using a discounted gift card to purchase it! When you use our referral link: frugalfriendspodcast.com/raise you’ll get $5 to spend and we will too!Sign up for Rakuten and spend $25 at any online store they offer cash back at. Sign up at frugalfriendspodcast.com/rakuten and download the chrome extension to see every time Rakuten offers cash back at a store. When you spend $25 through rakuten you earn $10 CASH MONEY! So that’s one way you can help us without spending any money beyond what you’ve already budgeted for.YOUR AD HERESeniors: We want to thank all the recently graduated seniors for sponsoring this show - you pooled together your dimes and nickels and really came through for us! BUT TODAY we want to celebrate YOU! Congratulations on your hard work and effort and completing an important chapter of your lives - whether you just finished high school or college you had many more obstacles than most in the final stretch of your race. We see you! Thanks for the sponsorship ;)Notable Notes:What the Internet has to say:This article from Good Call gives us 4 ways to get our college degree without taking on loans or going into debt!What Jen + Jill have to day:Find money (grants, scholarships, military funding, crowd funding, employee tuition reimbursement)Lower tuition costs (AP classes/dual enrollment in H.S., maximize classes taken each semester, community college!)Make money - look for flexible, reasonable hours, desired experienceReduce expenses - (car, rent, food, books)More from the Internet:This article from Learn provides a list of 10 reasons to consider attending college online!More from Jen + Jill:No wake up feesLower tuitionNo commute!No lost wages (i.e. maximizes time - all time on school can go to graded assignments - more time to work)Potential lower tuition - Thank you Kelly for sharing your bill with us about how you saved money on your menstrual cycleBILL OF THE WEEKIf you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning Round Biggest waste of money in college and where we’re glad we saved:Jen- Not using my full scholarshipJill- going out of state - living on campusJen- Living off campusJill- books savings and school onlineWrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon See omnystudio.com/listener for privacy information.

How do you make your stuff last longer? Along with reducing and reusing - prolonging the life of our things can save us money, build life skills, and increase contentment! Listen in as we talk about some of the ways you can take better care of what you already have so you can spend on what you want and need.Sponsors:  As if it wasn’t hard enough to source our own sponsors, now the world has fallen apart and there are no ad budgets for podcasts. While we look for our next sponsor here’s how you can financially support us without giving us your money. Sign up for Rakuten and spend $25 at any online store they offer cash back at. Sign up at frugalfriendspodcast.com/rakuten and download the chrome extension to see every time Rakuten offers cash back at a store. When you spend $25 through Rackuten you earn $10 CASH MONEY! So that’s one way you can help us without spending any money beyond what you’ve already budgeted for.YOUR AD HERE:: 5 time Grammy award winning singer, songwriter, actress, dancer, comedian, and author. June is June Carter Cash month here on Frugal friends Podcast because duh its June and duh her last name is Cash. Take time this month to listen to a few of our JCC favorites including it aint me babe, jackson, and A Good Man. And emulate your own inner June this month as you kick butt and take names with your cash.June Carter CashNotable Notes:What the Internet has to say:This article from Martha Stewart gives us a list of 12 items we should repair before we replace!What Jen + Jill have to say:“fix it first” mentalityLampsFavorite sweater (AND ALL CLOTHING!)Rugs and carpetCeramics Handbags- buy nice products that can be repairedScuffed furniture- salt + heat take out water rings!More from the Internet:This article from This Old House gives us a great list (one to earmark for the future) of 23 things you can actually fix yourself!More from Jen + Jill:Learn a lot about how things work!Lots of plumbing stuff - leaky faucet, uneven water stream (calcium build-up)Sticking doorVacuumWhat's not a DIY fix - Thank you Brittany for sharing about your PAID apartment bills!BILL OF THE WEEKIf you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill - Top 2 things we take care of so they last longer (and how)Lightning Roundoutdoor furniture (bring cushions inside each night; wash yearly - bought the kind that can come off for this reason!)Clothing - line dry and sew repairsBonus: anytime I do a painting project/refurbish something I paint a clear coat overtop which makes the finish last longer and more resistant to chipsSee omnystudio.com/listener for privacy information.

Paying off debt is hard enough, not to mention when you live in an expensive area! Reaching financial goals can feel insurmountable when living expenses are astronomical which is why we're excited to hear from Emma on today's episode talking about how she paid off $46,000 of student loans while living in CA.Sponsors: As if it wasn’t hard enough to source our own sponsors, now the world has fallen apart and there are no ad budgets for podcasts. While we look for our next sponsor, here are 2 ways you can support us.1st is to buy a discounted gift card from Raise. Raise sells gift cards at a discounted price to all kinds of places. Find a store you’d shop at anyways and you can save money right off the top by using a discounted gift card to purchase it! When you use our referral link: frugalfriendspodcast.com/raise you’ll get $5 to spend and we will too!2nd is to sign up for Rakuten and spend $25 at any online store they offer cash back at. Sign up at frugalfriendspodcast.com/rakuten and download the chrome extension to see every time Rakuten offers cash back at a store. Once you spend $25 you get a $10 bonus!YOUR AD HERE: : a little imagination and thinking outside the box goes a long way - this is true when it comes to caring for your kids for the 9,732nd day IN A ROW annnddd for paying off debt in seemingly impossible situations. Creativity: using our imagination to make debt disappear :)CreativityNotable Notes:We are so thrilled to ask Emma all the questions about how she paid off debt while living in an expensive area; here's some of our favorites:What was your debt, how much did you pay off and how long did it take you?Where were you living while paying it off and what unique challenges did you face because of the cost of living?What strategies did you use to overcome these challenges?Is there anything you’d do differently or advice you have for people currently in this?- thanks Emma for sharing your bill - cousin Bill; not a fan of his picking on you, but so glad to know a guy named bill!BILL OF THE WEEK If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning RoundDebt in the Time of Covid: How can people paying off debt pivot and still stay on track to reach their goals?Emma- assess safety of job and family’s position with money - stock money towards debt to high-yield savingsJen- mentality give self permission to slow down (you’re not a failure, circumstances may dictate)Jill- cut expenses, sell stuff, downsize (#tinyliving)Get more from Emma at her blog, Nurse FernWrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

Once we've sorted through our closets, toy bins, junk drawers, and garages and sold or donated what is not needed; and after we've learned to be content with less stuff and make room for what we want from life - what comes next? How do we maintain what we've worked so hard to achieve? Today we talk about how to continually be aimed at minimalism and some of the lifestyle shifts and changes that will help keep us in the minimalist lifestyle we desire!Sponsors: . As if it wasn’t hard enough to source our own sponsors, now the world has fallen apart and there are no ad budgets for podcasts. While we look for our next sponsor there are two ways you can financially support us without giving us your money.1st: sign up for Personal Capital using our referral link, frugalfriendspodcast.com/pcap. Personal Capital is a free app that allows you to monitor and track all your financial accounts from one place. It’s awesome and again, totally free. When you use our link to sign up and connect 401k, 403b, IRA, 529, or any investment account with at least $1,000 you’ll get a $20 Amazon gift card and so will we. Our referral link is frugalfriendspodcast.com/pcap2nd is to sign up for Rakuten and spend $25 at any online store they offer cash back at. Sign up at frugalfriendspodcast.com/rakuten and download the chrome extension to see every time Rakuten offers cash back at a store. If you do this before June 30th you will get $30 bonus cash back and so will we. Normally it’s $10. Those are the ways you can help us without spending any money beyond what you’ve already budgeted for.YOUR AD HERE! Today is Kai’s first birthday! We’ve kept him alive for a full year and I am impressed. I’ve been dreaming about throwing him a first birthday since before he was born because let’s be honest, a 1st birthday isn’t for the kid, it’s for the parents. I bought space decorations because people on Facebook looked at me weird for asking if I could have their decorations. 1st birthdays, I will give anyone these decorations when I’m done with them.1st BirthdaysOur Other Minimalism Episodes: Ep 32 with Joshua Becker author of Ep 32 with Joshua Becker author of Ep 89 with Desirae Endres host of the  Minimalish podcast Ep 99 on contentment, gratitude and flexible minimalism.Ep 32 with Joshua Becker author of 'The More of Less'Ep 89 with Desirae Endres host of the  Minimalish podcast Ep 99 on contentment, gratitude and flexible minimalismNotable Notes:What the Internet has to say:This article from Becoming Minimalist describes ways to keep the minimalism momentum going!What Jen+Jill have to say:Continue to explore new opportunities + intentional living so as to not fall into old patternsTake better care of your thingsVolunteer!Start a blogGiveStart a daily habitMore from the Internet:This article from See omnystudio.com/listener for privacy information.

We all have to put our money somewhere, but how do we decide the best banking solutions? On this episode we explore whether an online bank is right for you, if credit unions live up to all the hype, and if you do choose multiple accounts how you should organize your money in them. We'll also go through our recommendations for the best banks with no or low fees!Sponsors:  is a mobile bank with an awesome user interface, no overdraft fees and no minimum balance requirements. Its app has a free built in budgeting tool, that gives you purchase notifications, and insight to your spending. Premium users can even break up their savings account into different pods which is super helpful if you’re saving for multiple things at once. And when you set up direct deposit you can get paid up to two days early! So, if you’re looking for another bank account to hold your emergency fund or something big you’re saving for then you’re definitely gonna want to try Current because we’re giving $10 to the first 10 people who sign up using our promo code "FRUGALFRIENDS” for each episode. That’s FRUGALFRIENDS, all one word.Current: that feeling of slight awkwardness and uncertainty about what’s happening next. Sort of how talking about things I am not an expert on makes me feel! Eleanor Roosevelt is quoted to have said ‘do something everyday that scares you’ well - for some of us that’s talking about and/or learning about intricate financial details so you can check that box for the day. Being uncomfortable: it’s less scary when you have your friends with you!Being Uncomfortable:Notable Notes:What the Internet has to say:This article comes from Credit Karma and outlines what you need to look for when choosing a bankWhat Jen + Jill have to say:Consider the following:What is your current financial situation?What are your current banking habits?What do you anticipate your future needs to be?Put your money in one of the following:Traditional, brick and mortar bank: great for getting lots of financial products, interact with tellers, great for depositing  cash, access to ATM'sOnline Bank: many of the same products as traditional banks, not as easy to deposit cash, free ATM use (sometimes internationally), often offer high yield savings/checking accountsCredit Union: non-profit, member-owned organizations, lots of financial productsPay attention to:Make sure the bank is either FDIC or NCUA insured! If it's not insured you are at risk of losing that money.Insurance rates; check out the APY ratesMinimum balances, services fees, overdraft fees, etc.ATM feesATM locationMore from the Internet:This article is from The Balance and provides a list of the best no-fee checking accounts for 2020More from Jen + Jill:What makes for a good checking account:minimal feesdeposit insuranceeasy access to cashmobile depositonline bill payRecommended Banks:Ally - high yield savings and checking, don't need high balance to get good APYDiscover - can earn cash back rewards with debit cardRadius - also provides rewards for debit card useSimple - has a great (free!) app for budgeting and money managementSchwabb - unlimited rebates on ATM fees, high yield investor checking account (great for traveling internationally)&See omnystudio.com/listener for privacy information.

Paying off debt is a daunting task no matter what stage of life, however the older we get the more insurmountable it can feel! For this reason we are thrilled to have Bobbi Olsen on the show to share her story of beginning her debt-payoff journey in her 40's and all that she learned along the way! It's never too late (or too early!) to pay off debt!Sponsors:  is a mobile bank with an awesome user interface, no overdraft fees and no minimum balance requirements. Its app has a free built in budgeting tool, that gives you purchase notifications, and insight to your spending. Premium users can even break up their savings account into different pods which is super helpful if you’re saving for multiple things at once. And when you set up direct deposit you can get paid up to two days early! So, if you’re looking for another bank account to hold your emergency fund or something big you’re saving for then you’re definitely gonna want to try Current because we’re giving $10 to the first 10 people who sign up using our promo code "FRUGALFRIENDS” for each episode. That’s FRUGALFRIENDS, all one word.Current: Not just a multi level marketing company or the name of a carnival themed horror movie. It’s the age I’m turning tomorrow! And the age Jill will be turning in just a few months! In 31 years we’ve experienced Brittany spears and Justin Timberlake wearing matching denim outfits, that door in the titanic movie that was definitely big enough for two people, and a global pandemic. 31. Too old for tik tok, not old enough to watch the Hallmark Movie channel.31:Notable Notes:We asked Bobbi all about her debt pay off journey!What motivated you to start your debt payoff journey and were you discouraged at all by your age?What kind of debt payoff difficulties did you encounter that were unique to being in your forties and how did you tackle them?What did you do to pay off your debt?What are you doing now that could've never been possible while living in debt?- Thank you Bobbi for sharing your bill with us!BILL OF THE WEEK If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning Round:Our favorite budgeting apps/ methodsBobbi- YNAB (You Need A Budget)Jill- Google spreadsheets - you know I'm old school!!Jen- EverydollarGet more from Bobbi at Centsable Chat podcast and blogWrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

It's our most popular episode and we're digging it up out of the archives! Check it out to see where we started 2 years and get back to the basics!Sponsors:A mobile bank with an awesome user interface, no overdraft fees and no minimum balance requirements. If you’re looking for another bank account to hold your emergency fund or something big you’re saving for, try Current because we’re giving $10 to the first 10 people who sign up using our promo code FRUGALFRIENDS for each episode. Current: here to remind us of the days when we couldn’t actually choose what we watched. Before the days of netflix and hulu there was “basic cable” - come come, gather round the fire while I tell you about ancient days when a television (these were like phones, tablets, and laptops only with large protrusions off the back filled with stuff that can never be thrown away)...a television... had access to approximately 3 ‘channels’ with 1 show playing non-stop. The likelihood of seeing the same episode of the same show more than once was 2,000%. Oh it was fun and it was awful all at once, but we didn’t know any different - we called them reruns - and we ate our hot dogs and mac and cheese in blissful ignorance while the 5th airing of Family Matters ‘good cop, bad cop’ episode played. Reruns - it’s what’s about to happen to you, so grab a hot dog and settle in.Reruns:Notable Notes:1: 4 Pillars - Categories to anticipate with Frugal Friends podcast episodesClothing/ShoppingBills/UtilitiesTransportationHousingWhat the internet has to say2: Frugalwoods ArticleMrs. Frugalwoods (a.k.a. Liz Thames) identifies 19 reasons why frugality is the best - and the frugal friends agree!What Jen and Jill have to say:Frugality helps you identify your true prioritiesFrugality builds communityFrugality means you'll never be boredFrugality leads to gratitude and joy3: Millennial Money ArticleGrant went from a frugal guy who amassed $1M to flippantly spending over $200K in one year. In short; the spending didn’t make him feel better.What Jen and Jill have to say:Frugality is about spending wiselyFrugality is about the journey, not the destinationIt is never too late to 'course correct'4: BILL OF THE WEEK Introduction of the most anticipated, interactive segment!Leave us a voicemail with your BILL OF THE WEEK at: 570-995-15405: Tenets of Frugality The Law of Diminishing Returns (i.e. at some point you're wasting your time)Frugality allows you to discover what you truly value ( i.e. if frugality keeps you from what you love it’s cheapness)Frugality is good for the environment (i.e. you can’t buy your way to green)Frugality refines your taste and style (i.e. you can have better things when you buy used and you’ll eventually stop buying those souvenir t-shirts you’ll never wear)Frugality allows you more time to increase your income (i.e. the best way to not spend money is to spend time making it!)Frugality will not make you rich (i.e. sorry, not sorry)Wrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

During difficult financial times it can be tough to make ends meet, and while finding ways to earn extra income is great, this is not always feasible! On today's episode we tackle how to cover our expenses without pushing ourselves to get another side hustle!Sponsors: Current:A mobile bank with an awesome user interface, no overdraft fees and no minimum balance requirements. If you’re looking for another bank account to hold your emergency fund or something big you’re saving for then you’re definitely gonna want to try Current because we’re giving $10 to the first 10 people who sign up using our promo code: for each episode.FRUGALFRIENDS Y’all ever gone to a blog, downloaded a free template and find out the creator has a course? But it’s like, $400, no thank you. Or you find one that’s $30 and you buy it and you already knew all that info? Online courses that don’t cost a lot and actually help people are here to solve that problem. Ya know how we know they're affordable? Because I’d actually pay it and I don’t buy stuff. Ya know how we know they help people? People tried it and said so. Online courses that don’t cost a lot and actually help people, because some stuff you can find for free on the internet, and some stuff you can’t.Online courses that don’t cost a lot and actually help people:Notable Notes -What the Internet has to say:Check out this article from Don't Waste Your Money to get 5 tips for getting back on your feet after a financial disasterWhat Jen + Jill have to say:Know what you OWN and what you OWE - sometimes making ends meet is as simple as moving some things around in your budget.Drain the emotion from your decisions- stop impulsive and treat yo self type spending, stop saying “i deserve this” to things that cost money and start saying it to financial security and prosperity.Take clear eyed and bold action- don’t sit and wallow, don’t play the victim - this may require more intentionality than ever before and we may be talking about doing more than cutting out your AM latte!Build a support team- you can’t do this on your own.More from the Internet:This article from Moolanomy provides 10 tips for making ends meet with a limited budgetMore from Jen + Jill:1. Fine tune your budget - you may feel there’s no wiggle room - but look again!2. Stick with the basics4. Downsize your life - you may not even realize how much stuff you have!5. Don’t utilize credit6. Shop outside the box - farmers markets, dollar stores, thrift stores for essentials10. Plan for the big picture - Thanks so much for sharing your bill of the week! We're so encouraged to hear of how beneficial your monthly bill to 'financial gym' and getting a 'financial trainer' has beenBILL OF THE WEEKIf you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning Round -How to spend your stimulus check:Your 4 walls: food, housing, utilities, NetflixEmergency fund: $500 to $15,000High interest debtGive it away: neighbors, local charities, local businessesWrap-Up -Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listeningSee omnystudio.com/listener for privacy information.

It's our most listener requested episode AND our 2 year podcast celebration! You all asked the questions, and Travis and Eric answered! It's certainly not 'content heavy' but it is fun!Sponsors: An awesome mobile app jam packed with features that make managing your money easier. With a high-yield checking account offering 1.6% APY, and direct access to their financial coaches; Empower is an obvious choice in mobile apps! For more info about Empower, visit: empower.me/FRUGAL and use offer code FRUGAL to get a $5 bonus when you reach your savings goalEmpower: In any whole - there is always a better half. This is true about sandwiches, bananas, shirts, and marriages. Today you will meet our better halves and then you will know the right way to eat a banana.The Better Half:Notable Notes:You asked, our husbands answered!Stacey- Our love stories & how we met?Mona: Do you feel accurately represented on the podcast?Jocelyn: We want to hear all about Eric’s cars+Travis’ amazing hair!ALSO, do you have any friends named bill?Who sings the BOTW song?? It’s so catchy!Leslie: How do you balance what you + your spouse think is important to spend $ on?Patricia: what’s the craziest thing you’ve done in the name of frugality?Virginia: what was the most challenging part of becoming frugal (or along the frugal journey?)Adrienne: Has your idea of style changed since being frugal?Jay: what financial goals to you have for yourselves?Caroline: how do you guys handle the fame of your wives?:)BILL OF THE WEEK - Thank you Travis and Eric for sharing your bills with us!If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning RoundBest Frugal TipsTravis - find someone who can align with financial approachEric - research your purchases; learn what something is worth and how to get good deals!Wrap Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!See omnystudio.com/listener for privacy information.

Decreasing our consumption, decreases our spending, which increases our savings AND creates sustainable practices! Sounds good right?! But how do we do this practically...and frugally?? On this episode we explore attainable ways to decrease our waste in an effort to live more frugally and steward our resources well. Sponsors: An awesome mobile app jam packed with features that make managing your money easier. With a high-yield checking account offering 1.6% APY, and direct access to their financial coaches; Empower is an obvious choice in mobile apps! For more info about Empower, visit: empower.me/FRUGAL and use offer code FRUGAL to get a $5 bonus when you reach your savings goalEmpower: Every April we celebrate the planet we live on and it’s environment. This year we celebrate the 50th official Earth Day by posting eco-friendly quotes, heartfelt posts on Facebook, and going to a free event with a folk band. Whatever you choose to do, remember that you only have one earth so take care of it because it takes longer to get to mars than we originally thought.Earth Day!Notable Notes:What the Internet has to say:This article from Hestia Speaks provides tips for sustainable living on budgetWhat Jen + Jill have to say:Glass jars - perfectly reusable! You don't need to buy new!Simplify your meals - don’t spend on all the oils and fancy ingredientsBase your meals around 3 veggies instead of 5!When you DO buy new...spend on high qualityGrow indoor herbsMake a meal planSimplify your use of non-food productsChoose secondhand firstfrugalfriendspodcast.com/thredupHost a swap partyMore from the InternetThis article from Going Zero Waste describes 12 things you can STOP buying when you decrease your waste and consumptionMore from Jen + Jill:The average American spends almost $5,000 on products that are thrown away!#1-3 AHHHHH#4. Aluminum foil#6. Trash bags#8. Disposable water bottles#9. Conventional cleanersAmerican family spends on cleaning supplies. Anywhere from $300-800 a year - Thanks Andy Hill from Marriage, Kids, and Money podcast! We love your bill about kids summer camps ;)BILL OF THE WEEKIf you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning RoundOur Favorite Frugal Zero-Waste SwapsJill- water filter (and reusable bottle) + food creativity (i’m no pro but I have a few tricks up my sleeve :))Jen- glass containersJill- learn simple sewing skillz (I’ve saved plenty of clothing, purses, blankets, etc. by doing my own mending)Jen- convenience foodWrap Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!See ya next week!See omnystudio.com/listener for privacy information.

How do we respond when money is tight or when we reach a point of financial crisis? This can bring feelings of anxiety and overwhelm to any person especially when it seems we don't have enough to cover the essentials. On this episode we hope to reduce the panic financial upheaval can bring and discuss some tangible ways to care for ourselves and our budgets when things aren't going 'according to plan'.Sponsors:  An awesome mobile app jam packed with features that make managing your money easier. With a high-yield checking account offering 1.6% APY, and direct access to their financial coaches; Empower is an obvious choice in mobile apps! For more info about Empower, visit: empower.me/FRUGAL and use offer code FRUGAL to get a $5 bonus when you reach your savings goalEmpower: that feeling when you can barely make ends meet and you are wringing out that dollar for all it’s worth - sometimes our financial situation can feel like a tight squeeze; but our sponsor wants to remind us that this term can also refer to the best most warmest hug from our loved one. So when you’re looking at your budget wondering how you’re gonna pay your bills don’t think of it like a snake coiling around you causing anxiety and panic; think of it like a warm hug coming from your finances. Tight squeeze - when feeling constricted is a good thingTight Squeeze:Notable Notes:What the Internet has to say:This article from Investopedia highlights a few simple ways we can prepare for a financial crisisWhat Jen+Jill have to say:1. Maximize liquid cash2. Make a budget: know how much you have coming in/going out each month (helps ID how much you should have in emergency fund)3. Prepare to Minimize Your Monthly Bills5. Take stock of ‘non-cash’ assets and maximize value (i.e. utilize points, gift cards, extra food in house,8. Look for ways to earn extra cash10. Keep up with routine maintenanceMore from the Internet:This article from Very Well Mind gives tangible tips on ways to manage our stress and emotions during financially stressful timesMore from Jen+Jill:Remain calmAsk for help- friends and family, financial plannerReframe the situation - watch the internal narrative and find ways to shift perspectivePushing through the difficulty and identifying ‘kindness’ to invest emotional time and energy intoTake a break - strike the middle ground between ruminating/obsessing and abdicating/avoidingAsk for help- find a mental health professional, especially if your stress, overwhelm, or feelings of anxiety are inhibiting daily activitiesUse this code for a discount for online therapyThank you Jess for saving us with your bill about ALL the Bill's who have contributed to making St. Pete Florida so great!BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning Round: What we’re doing to prepareJen- longer and simpler meal plansJill- NOT PANICKING!! cooking at home moreJen- taking extra workJill- re-evaluating budget; spending only on essentials - now’s not the time for extra luxuries :)Wrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriSee omnystudio.com/listener for privacy information.

Where does all our money go? It can often seem like we've cut back on spending but somehow we're not 'crushin it' like we thought we would! We quickly learn that our budget's don't work well on autopilot. Thankfully we have Alyssa from Mixed Up Money to share with us some tips on how to increase our level of intentionality with our finances so we can see the results we want!Sponsors:  An awesome mobile app jam packed with features that make managing your money easier. With a high-yield checking account offering 1.6% APY, and direct access to their financial coaches; Empower is an obvious choice in mobile apps! For more info about Empower, visit: empower.me/FRUGAL and use offer code FRUGAL to get a $5 bonus when you reach your savings goalEmpower:The sleek athletic dog breed and star of Disney’s 101 dalmatians. These dogs are intelligent, playful, and typically non-agressive. They’re patient and generally good with children as well. That’s why it’s reasonable to keep 101 of them as pets. We had 2 dalmatians growing up. One was sapphire because she had blue eyes and the other was choca because she had chocolate brown spots.Dalmatians: Notable Notes:Alyssa gave us some background about herself AND her top 4 tips for being more intentional with your finances. We're excited to share these tips with you!Create a goal that is specific and achievable Track your spendingSave money each weekReflect on behaviors and habits- Thanks for sharing your bill with us Alyssa! BILL OF THE WEEK If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning RoundWhy we value putting pencil to paper with our finances:Alyssa - accountability; opportunity to look at bad AND celebrate successJen - like the tangible; breeds intentionalityJill - enjoy walking through a processGet more from Alyssa at MIxed Up Money! AND...Check out Alyssa's  100 day financial goal journal  that comes out April 7, 2020Follow on IG @mixedupmoneySee omnystudio.com/listener for privacy information.

How do we keep up motivation and effort with the ebbs and flows of our financial journey? Once we know how to budget, cut spending, pay down debt, and increase savings the challenge can become how to maintain these practices over years! On this episode we're talking all about tips for motivation + focus to keep us working towards our goals and maybe even have some fun along the way!Click here for full show notes!See omnystudio.com/listener for privacy information.

There's a lot of uncertainty right now and depending on where we live some of us are feeling this burden more than others. We are not doctors, policy makers, or financial planners, but we are encouragers and we recognize our current situation is leading to profound financial impact for many. So what can we do? In our current climate how do we harness the most of our time and energy and take the best steps forward? Join us in our short bonus episode on ways to respond to what's happening.Click here for full show notes!See omnystudio.com/listener for privacy information.

How do we know how much is enough? What are our measuring tools for knowing this? Today we explore the topics of contentment, gratitude, and minimalism as a means to embracing frugality and being kind to our finances. Listen in as we explore why these principles are foundational to our frugal journey.Click here for full show notes!See omnystudio.com/listener for privacy information.

Saving money and spending less is an ongoing journey and can have additional difficulties when this is paired with raising young kids! We know everyone's financial story is different but we also know that it is not uncommon to have children before accomplishing major financial goals. For this reason (and many more) we are thrilled to have Caroline Vencil to share some encouragement and tangible tips for those living on a budget with small children!Click here for full show notes!See omnystudio.com/listener for privacy information.

Sometimes spending money is a whole lot easier than saving money! Spending money often gives us what we want in the moment, but it can derail us from our financial goals or debt payoff plans. Today we're talking about strategies to move from spending to saving so that we can get the most out of budgets!🎙️ https://bit.ly/3Hgf7OE📑 https://www.frugalfriendspodcast.com/ebook📣 https://www.frugalfriendspodcast.com/bill-of-the-week/💸 https://www.frugalfriendspodcast.com/club-bff-waitlist/👉🏼 https://www.youtube.com/frugalfriends💃🏼 https://www.instagram.com/frugalfriendspodcast/Get full show notes here!Get our FREE Modern Frugal Living eBook here!Submit your bill of the week and get a shoutout from usJoin the waitlist for Financial Freedom MentorshipSubscribe for more on YouTubeHang out with us on Instagram!See omnystudio.com/listener for privacy information.

Insurance; it's not everyone's favorite topic to talk about, but it is an important one! We'll keep it short and sweet for you, reviewing which insurances you can skip, and which ones are the 'must-haves'.Click here for full show notes!See omnystudio.com/listener for privacy information.

Debt can feel insurmountable and even debilitating at times, especially if our debt reaches the 6-figure mark. This is exactly where Kate from 'Living that Debt Free Life' was at prior to tackling $105K of student loan debt and she's got some great insights and tips in her story to help the rest of us on our debt payoff journey. Regardless of the reasons we find ourselves in debt we hope Kate's story will provide encouragement and motivation for your financial goals!Click here for full show notes!See omnystudio.com/listener for privacy information.

It's never too early to start saving for retirement, but with all the weird acronyms and other necessities vying for our money it is easy to push this off to the 'someday' category. On this episode we're breaking down more of those barriers to saving and making retirement feel a bit more attainable!Click here for full show notes!See omnystudio.com/listener for privacy information.

In our fast-paced, busy lifestyles it can be difficult to find time for rest and enjoyment. And beyond that, the things we often turn to for 'self care' are expensive and not always effective. We're excited to spread the message today that self care does not need to break our budgets AND it's about so much more than bubble baths and massages (although they're nice :))Click here for full show notes!See omnystudio.com/listener for privacy information.

Reigning in our food and grocery bills can be one of the most challenging things to our budgets! We often talk about cooking at home and being savvy with the items we purchase, but what about controlling our food waste? It's staggering how much food ends up in the trash and thereby how much money is wasted, which is why we are pumped to be talking with Debt Kickin' Mom about how to get a handle on our food consumption and save money in the process!Click here for full show notes!See omnystudio.com/listener for privacy information.

Have you ever wanted to achieve something, financially or otherwise, but struggled to actually make it happen? You're not alone! It's one thing to desire something, but a whole other animal to take the steps towards accomplishing it! Goal setting is a popular idea this time of year, but let's chat about how we can actually MAKE IT HAPPEN in 2020!Click here for full show notes!See omnystudio.com/listener for privacy information.

Out of the biggest expenses we incur, transportation falls in the top 4! So if we are looking to cut spending and save we've got to look at this category! On this episode we talk about the ways we can limit our transportation costs and commute frugally.Click here for full show notes!See omnystudio.com/listener for privacy information.

Combating the desire for material possessions is crucial in our 'debt-payoff and other financial goals' journey! And it's this desire for 'stuff' that is really at the heart of impulse spending and can be such a barrier to seeing real shifts in our budgets. So today we've invited Desirae Endres from the Minimalish podcast and blog to share her personal story of scaling back on possessions and the impact this made in her life!Click here for full show notes!See omnystudio.com/listener for privacy information.

Budgeting is foundational to this frugal lifestyle, and can be a hard enough muscle to build with a predictable income, but how do we approach this task if our income is irregular? While there are a few more barriers to budgeting when we don't know exactly how much we are making, there are still ways to get the bills paid, and save!Click here for full show notes!See omnystudio.com/listener for privacy information.

Talking about finances can feel just as taboo as talking about politics with co-workers; but what if it didn't have to be this way? Today we're chatting about the conversations we all should be having with our friends, family, and partners about money. Listen in, then tell us how you approach your important conversations!Click here for full show notes!See omnystudio.com/listener for privacy information.

Learning financial tools and responsibility can be hard enough as an adult, but how do we approach this topic with our kids? How do we pass on better money habits and financial literacy? On today's episode, we talk with Bobbi Rebell about the impact our own childhood has on the way we approach money with kids, as well as ways to navigate money conversations with your children.Click here for full show notes!See omnystudio.com/listener for privacy information.

The idea of increasing our earnings each month sounds fantastic, but what if our day jobs sap all of our time an energy?! In this episode we explore some side hustle options that require minimal effort but maintain decent pay-outs. Skip the online surveys and check out this episode!Click here for full show notes!See omnystudio.com/listener for privacy information.

'Tis the season for parties, get-togethers, and hosting! While we've already explored frugal gift ideas, black Friday, + holiday fun; today we talk about entertaining. Having others over to our homes is not only daunting at times, but let's face it; EXPENSIVE! Of course, some of us relish the opportunity to provide an enjoyable experience in our homes, while other's of us don't even know where to start! The good news is, having get-togethers can be more attainable and far more budget friendly than we thought! Click here for full show notes!See omnystudio.com/listener for privacy information.

Goal setting; we all know we should do it, but what makes it so difficult to take this first step? Maybe we don't believe it works, or maybe it's the fear of failure - no matter the reason it remains true that if we don't know where we are going, any road will get us there. Join us in our discussion with Brian from SAVVI financial about the importance of goal setting and how to do it in a way that makes sense to YOU!Click here for full show notes!See omnystudio.com/listener for privacy information.

Paying off debt is a BIG and worthwhile goal, but why does it seem like we are making zero progress at times?! On today's episode we talk through the reasons why paying down debt can seem insurmountable, and the ways to break down the barriers to see real progress fast! Click here for full show notes!See omnystudio.com/listener for privacy information.

We all know there are so many resources out there that can help us save AND make money, but how we do find them?! It can be difficult to weed through the internet and find the apps and websites that are actually worth our time. On this episode, we do the heavy-lifting for you! We've got a curated list (with commentary of course :)) on the best apps out there to help you make the most of time, energy, and money!Click here for full show notes!See omnystudio.com/listener for privacy information.

We're all about cutting expenses, especially the major ones! And what better way to reduce costs than by getting someone else to pay your mortgage?! We're talking about house hacking, and we have Craig Curelop, author of "The House Hacking Strategy" on the show to talk about how he reduced his housing costs, and how you can too!Click here for full show notes!See omnystudio.com/listener for privacy information.

We love food! And if you haven't noticed yet, we love talking about food! It's even better when we can make and eat good food for a reasonable amount of money! On this episode we give you our favorite food blogs + recipes... award show style. Listen in to find out who wins each category of our Frugal Friends Foodie Awards!Click here for full show notes!See omnystudio.com/listener for privacy information.

Have you ever considered taking extreme measures to pay down debt or save money? Have thoughts of tiny living ever entered your mind? Do you wonder what it would be like to live in a small space? We've considered it all and Jill is here to tell you about it! She's currently living in a 170sq. ft. trailer and previously lived in a motorhome and now we're finally letting her share all the insight about the pros and cons and how to do it right! Click here for full show notes!See omnystudio.com/listener for privacy information.

There's all kinds of things we tell ourselves about money and our financial situations, but not all of them are true! We're thrilled to have Rob Berger on the show, author of "Retire Before Mom and Dad" to dispel some common myths about money, break down the barriers between us+our goals, and set our perspectives right!Click here for full show notes!See omnystudio.com/listener for privacy information.

Watch the video on Youtube! See omnystudio.com/listener for privacy information.

We took the opportunity to record at FinCon 2019 in D.C. and answered all of your most pressing questions! Our frugal friends community asked some great questions, and while Jen encouraged people to 'get weird' you all kept it classy and we appreciate that :)Click here for full show notes!See omnystudio.com/listener for privacy information.

Watch the video on Youtube! See omnystudio.com/listener for privacy information.

FOOD! We love it, but it's one of the biggest budget challenges we face each month. But what if we could reduce our spending and save more money by cutting costs on food? We're challenging all of us (including ourselves!) to cook at home by dispelling some myths about home cooking and providing some tips on how to do this with ease! Join in and share your own progress!Click here for full show notes!See omnystudio.com/listener for privacy information.

It's one thing to be frugal when living on 2 incomes and splitting expenses, but how can we achieve financial goals on just 1 income? We're thrilled to have Budget Girl (Sarah Wilson) on the show sharing her story of debt-payoff, budgeting, and stretching her dollar - proving to us all that financial goals can be achieved on even the tiniest of salaries! Whether you are single, a single-income family, or still interested in learning more ways to reduce expenses and save money - this one's for you!Click here for full show notes!See omnystudio.com/listener for privacy information.

Watch the video on Youtube! See omnystudio.com/listener for privacy information.

Lots of people are jazzed up about financial independence and retiring early (FIRE for short) and while this seems amazing and daunting all at once, we want to take a frugal look at this concept! Join us as we explore the basics of being on FIRE and some of the pros and cons of this movement.Click here for full show notes!See omnystudio.com/listener for privacy information.

Check out the video over on YouTube so you can finally figure out which one is Jen and which is Jill :)See omnystudio.com/listener for privacy information.

When it comes to side hustles, flipping is certainly one to consider! Flipping does require a keen eye and some occasional DIY skills, but can be a great way to earn some extra cash and fulfill some of those 'shopping urges'! On this episode we explore the best places to buy, sell, and what to look for to get the best return on your money!Click here for full show notes!See omnystudio.com/listener for privacy information.

Travel! For many of us, it's what we look forward to, work for, and talk about; AND unfortunately it can also be what propels us into debt. We know some people get to see the world on very few dollars; so we talked with Lee Huffman from the We Travel There podcast to pick his brain on travel hacking and how even the most inexperienced can do it!Click here for full show notes!See omnystudio.com/listener for privacy information.

Groceries are one of our biggest monthly expenses, so it makes sense that we want to cut costs and save money where possible; while still eating well of course! Beyond clipping coupons and shopping discount grocers, we learned that tracking sales cycles can be a big money saver! Listen in as we chat about shopping in season and staying on top of discounts.Click here for full show notes!See omnystudio.com/listener for privacy information.

Minimalism is not just about how much stuff you own, in fact it's hardly about stuff! Minimalism certainly boasts clean open spaces, but how might these concepts permeate other aspects of our frugal lives? On this episode we're exploring how minimalism might impact the way we approach our daily lives and schedules and how this too might assist us in obtaining our financial goals and ultimately creating a fulfilling lifestyle!Click here for full show notes!See omnystudio.com/listener for privacy information.

We all know it's a good idea to start saving money when we're young, but in what other ways should we be making the most of our youth? Robert Farrington answers this question as he explores this concept of 'front loading' our lives and encourages young people to capitalize on the energy, capacity, and ability to risk-take when we're younger in order to experience greater financial freedoms and benefits later in life. Click here for full show notes!See omnystudio.com/listener for privacy information.

Housing is one of our biggest expenses in life, and oftentimes we’re not asking the right questions to determine the best and most affordable living solutions! There are great arguments on both sides for renting vs. buying and we explore it all to help you determine  what’s right for you! In this episode we’re taking a look at the factors to consider when buying, the benefits of renting, whether we should be focused on paying off debt or investing, and a few alternative housing ideas!Click here for full show notes!See omnystudio.com/listener for privacy information.

It's that time of year again! Dreaded for students, anticipated for parents; but something we can all rally behind is not wanting to overspend on back to school supplies! It seems the lists get longer and longer each year, so we’re talking about how we can send kids back to school prepared without breaking the bank. And to top it off we have Allison from Inspired Budget co-hosting the show and giving her expert knowledge as a personal finance writer AND a fellow teacher! Don’t miss it!Click here for full show notes!See omnystudio.com/listener for privacy information.

This one is a long time in the making, but we are delighted to have Chris Browning from the Popcorn Finance podcast on the show! Chris has a lot of great insight when it comes to personal finance and becoming debt-free, and we admire him even more for sharing with us how he and his wife paid off $27K of credit card debt! We talk a lot about paying off student loan debt on the show, so we're excited to bring some hope to our fellow frugal friends who are facing this sort of debt and provide hope for freedom through hearing Chris' story!Click here for full show notes!See omnystudio.com/listener for privacy information.

There are many budgeting techniques out there but today we're taking a look at the envelope system. It's an extra special episode as we have THE Allison Baggerly from Inspired Budget acting as co-host while Jen is on maternity leave! Allison and her family have actually used the envelope system for years and she brings a helpful perspective to this topic! Many of us have 'cut our teeth' in budgeting by using the envelope system and still more have fallen off the wagon - but let's talk about how might make this practical method work for us! Click here for full show notes!See omnystudio.com/listener for privacy information.

Setting and achieving financial goals is all fun and games, but what about if your spouse is not on board? Embracing frugality, much like minimalism, can't be forced on others - but there are ways to negotiate and become unified on this journey toward financial freedom! Join us as we look at some basic tips to help open the lines of communication and seek common ground regarding finances and important money decisions!Sponsors:: We love and use Rkuten all the time so we wanted to give them a shout out. If you’ve never used it, Rakuten is a shopping portal where you can get cash-back on purchases from your favorite stores. We use it for Groupon, Amazon, Walmart, travel sites and more. And, if you haven’t tried Ebates yet we’ve got a $10 welcome bonus for you on your first purchase of $25 or more when you sign up through frugalfriendspodcast.com/rakutenRakuten As you drive down the road today don’t let the sale signs on those fireworks tents be a metaphor for your relationship. Discounted Fireworks.Discounted Fireworks:Notable Notes:What the Internet has to Say:This article from Dave Ramsey highlights 3 ways to get your spouse on board with financial goals and decisions. What Jen + Jill have to say:Be aware of your words; watch the 'hot-button' words, and pulling out the old records/big hitters such as ‘you always’, or ‘you never’Consider your timing; choose a time free from distraction and most likely to be conducive for an important conversationWatch your tone; this can set the trajectory of the conversation. Avoid sounding condescending. overly frustrated, or unwilling to listen to the other sideMore the Internet:This article from Mom and Dad money provides more tips on how to get on the same page with your spouse around finances and frugality.More from Jen + Jill:Lead by exampleSet a regular time to talkGive it timeAsk for helpGive each other ‘free spend’ $ - Thanks Lisa for sharing about paying down your car payment with double payments! We're so excited for you and your gazelle like fierceness!BILL OF THE WEEKIf you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning RoundHow to Ensure Your Spouse will Hate Frugality & YouTake the empty toothpaste out of the trash and cut the end off to get the last bit that they wasted. Bonus points if you do it right in front of them or leave the remains where they can see it. Tell them what the return on that $4.50 latte would have been after 30 years in the market.Mention “the budget” several times a day. Even when nobody asked.Don’t mention any of the things you do appreciate about them until they come over to your side.See omnystudio.com/listener for privacy information.

Many of us have never considered approaching this topic of finances with our parents, and for those who have, it can still make us want to run for the hills! It's the second most potentially awkward and dreaded conversation right next to 'the talk' you received as an adolescent, but no less important! Thankfully, we have Cameron Huddleston, personal finance expert + author, on the show to discuss how to have these crucial conversations and the importance of opening this dialogue before it's too late. Cameron shares her own insight and experience, and even some cautionary tales to motivate us to do the hard, but valuable thing!Sponsors: This one’s not a sponsor but an amazing deal and every purchase supports the show. The Master Your Money Super Bundle is a collection of 45 courses, ebooks, printables and videos to help you do better in all areas of your money. Whether that’s budgeting, paying off debt, investing, making more money, whatever. The bundle has over $1200 worth of resources in it but you can get it for less than $50 when you visit frugalfriendspodcast.com/masteryourmoneyMaster Your Money Super Bundle: They're excellent when they involve bread or laughter, but not when they involve steam. So don’t steamroll in conversations, or with finances - instead - slow your roll, grab some butter& eat a roll - then get on a roll with achieving your financial goals!Rolls:Notable Notes:We sincerely enjoyed our time chatting with Cameron on this very important, unique, and difficult topic. She had great insight and advice and we got to ask her all of the questions - including:Why should we start this awkward conversation any earlier than we have to?How do we approach these conversations in love and respect?What should we do if one or both of our parents won’t open up?What’s some of the important information we should look to obtain? BILL OF THE WEEK - Thanks Cameron for sharing your bill with us!If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning RoundWhen we see parents blowing through money or not being responsible with it but refuse to change, what do we do in that scenario?Avoid criticism Share tips that have worked for YOUPrepare financially to support OR prepare emotionally to say ‘no’ to financial supportIf we have siblings, how can we get them involved in this process?Have conversationAccountability - send updates to siblingsShare the burden - if you handle bills - let siblings do care-givingDo you have any tips for young parents on creating safety for these conversations with our own children?Beginning making it safe to talk about finances from a young ageShare in age appropriate ways about financesTo get more from Cameron, check out her website!AND get Cameron's book: "Mom and Dad we Need to Talk, How to Have Essential Conversations With Your Parents About Their Finances"Frugal Friends Book Club:It’s June and we’re reading Digital Minimalism by Cal Newport for book clubIf you want a free copy, leave us a review on iTunes or Stitcher, screenshot the review and send it to frugalfriendspodcast@gmail.com. We’ll select the winners at the end of the month.See you next week!See omnystudio.com/listener for privacy information.

Now that we've de-cluttered and minimized our homes, it's time to simplify our digital lives! Beyond deleting files from your computer, we also talk about being more mindful about how we are spending our time and money online. Mindless technology use can lead to mindless spending so let's talk digital minimalism!Click here for full show notes!See omnystudio.com/listener for privacy information.

School's out,  sun's out…now what? If you're like us summertime means a lot more get-togethers, vacations, day trips, and activities - but how do we make the most of summer without blowing our budgets? On this episode, we talk all about frugal ways to enjoy the summer along with some of the pitfalls and misguided tips for saving money during this season. Click here for full show notes!See omnystudio.com/listener for privacy information.

We know minimalism and simplicity have great benefits for our lives, but knowing where to start or how to achieve this lifestyle can be daunting! Thankfully Courtney Carver, author of Soulful Simplicity and creator of the minimalist fashion challenge #Project333 breaks it down for us on this episode! Courtney shares her own minimalist journey and offers a great way to approach simplicity with your wardrobe!Click here for full show notes!See omnystudio.com/listener for privacy information.

It’s important to have friends - especially when setting and reaching goals. Our friends can either support us or derail us, and while we would never advocate kicking anyone to the curb - we will give tips on how to surround yourself with a community that will assist you on this frugal journey!Click here for full show notes!See omnystudio.com/listener for privacy information.

Believe it or not, SOMETIMES the most frugal option is the more expensive option! Today we talk about the areas where it's worth spending more because of the savings it could provide in the long run. We also discuss some common frugal tips that are misleading at best, and usually not worth following!Click here for full show notes!See omnystudio.com/listener for privacy information.

Saving for kids' college is an admirable goal, but can sound overwhelming and expensive! On this episode, Abby Chao from College Backer talks candidly about why to save, when to save, how much to save, and where to save! Whether you have no kids, young kids, or even kids already in college Abby offers great tips and hope that it's never to late to save for college!Click here for full show notes!See omnystudio.com/listener for privacy information.

We’ve all been there - whether in our financial journey or other life circumstances - we reach a point of low motivation or down-right discouragement and we want to just give up! In this episode we talk about this very real feeling and some practical ways to overcome this barrier, regain willpower, and press forward! Whether you’ve been there, or are there right now this one’s pivotal to consider in our frugal lifestyles!Click here for full show notes!See omnystudio.com/listener for privacy information.

Having a hobby is crucial to the frugal lifestyle - it can provide rest, encourage creative, foster community, keep us from wasting our time + money on less important activities and so much more! BUT hobbies can also be expensive! On this episode we discuss how to enjoy a hobby with breaking the bank, and how to find a frugal hobby if you are still clueless in this domain!Click here for full show notes!See omnystudio.com/listener for privacy information.

Paying off debt is a big (and worthwhile) goal, but what can be done when we have other financial goals we want to be pursuing as well? On this episode, we talk with Erin Lowry from Broke Millennial about what it can look like to balance paying down debt while also investing. There's a lot to consider in this topic, but we’re excited to pick Erin’s brain and share her insight here!Click here for full show notes!See omnystudio.com/listener for privacy information.

We have been your Frugal Friends for one whole year now (ahh!) and what better way to celebrate than to talk about YARD SALES!? It’s one of our favorite topics AND activities, and today we’re talking about how to make the most of your ‘yard-saling’ (that’s right we made it a verb) experience! Whether you are going to yard sales, or hosting a yard sale, we’ve got some good tips for you!Click here for full show notes!See omnystudio.com/listener for privacy information.

Homesteading is becoming more and more appealing , especially in the world of frugality, but what can be done for those of us who don’t sit on property or don’t plan to invest in land? Have no fear! Homesteading is not just about having a vegetable garden, it’s also a way of life with many practices that can be incorporated even into tiny or urban living situations!Click here for full show notes!See omnystudio.com/listener for privacy information.

Student loan forgiveness - we’ve all heard about it, but is it real?! In this episode, we chat with Travis Hornsby from Student Loan Planner about all things student loan forgiveness, plus some tips we are sure you have never heard of before! We shared some laughs and received invaluable tips and knowledge on this very important, and sometimes overwhelming topic! Have a listen!Click here for full show notes!See omnystudio.com/listener for privacy information.

It's one of the most important days of your life, but that doesn't mean you have to spend your (or your parents!) entire life savings! We're following up our Part 1 episode on ceremonies (ep. 6) with what you need to know to plan a killer reception and honeymoon without emptying that bank account, or worse, collecting debt!Click here for full show notes!See omnystudio.com/listener for privacy information.

Frugality pairs nicely with many things, including environmental friendliness! Practicing good stewardship of resources is something us frugal folks have been doing for ages. Whether going 'green' is something you strive for or not, today we dive into how being frugal has some great environmental perks and why us frugal people can feel even more assured in our lifestyle.Click here for full show notes!See omnystudio.com/listener for privacy information.

We know the benefits of minimalism and how it fits so nicely into a frugal lifestyle, but can minimalsim be achieved in the kitchen also? Today we talk with Kristen Marr from Live Simply about how to achieve a 'capsule pantry'. From how to identify the essentials, to shopping and stocking - Kristen gives some great insight into the most important part of a home; the kitchen!Click here for full show notes!See omnystudio.com/listener for privacy information.

Warehouse clubs, the only place you can go to purchase your chicken, your wedding ring, your outdoor furniture, AND your underwear all under one roof! While it can be great to score some savings on toilet paper, today we explore the pros and cons of warehouse club shopping and how to determine if they provide the best frugal options for you!Click here for full show notes!See omnystudio.com/listener for privacy information.

Negotiating; some people love it - others hate it. Either way, it can be a great frugal skill  for lowering bills, scoring deals, getting out of late fees, OR just enjoying some Saturday morning yard sales!Click here for full show notes!See omnystudio.com/listener for privacy information.

We love to have guests on the show and today is no exception! We have THE Mrs. Frugalwoods (A.K.A. Elizabeth Thames), author and blogger on everything frugal+sustainable. AND since Jen is currently pregnant, we seized the opportunity to ask Mrs. Frugalwoods about pregnancy and parenting the frugal way. Let’s just say she did not disappoint! Check it out!Click here for full show notes!See omnystudio.com/listener for privacy information.

Simple, DIY, Low-cost - these words are music to our frugal ears! We're excited to talk about how frugality can intersect with all aspects our lifestyles, including the way we clean! There's more to know about cleaning products than we ever thought - but have no fear - we've got all the do's and don'ts of DIY cleaning products you need to know! Whether you clean often or you can't remember the last time you swept your floors, there's some good stuff in this episode!Click here for full show notes!See omnystudio.com/listener for privacy information.

The frugal life is not just about spending less, it is also about financial responsibility and planning well for those beautiful financial goals we know you all have! In this episode we get back to the basics, and talk about those fundamental aspects of personal finance; where you should be focusing your time, energy and resources to make the most of your life and earnings! Whether you are completely clueless on the things you 'should' know, or you need a refresher course on 'the big picture' - this one's for you!Click here for full show notes!See omnystudio.com/listener for privacy information.

Today we’ve got Andy Hill from the Marriage Kids & Money podcast talking with us about how he and his wife PAID OFF THEIR MORTGAGE! Lots of people consider themselves debt-free even prior to paying off their house, but not Andy! Paying off a mortgage early is quite the under-taking and requires a great deal of determination, but Andy tells us how they made it happen! Andy gives us tips on how to pay off your house and be real-deal debt-free! Listen in!Click here for full show notes!See omnystudio.com/listener for privacy information.

Click here for full show notes!See omnystudio.com/listener for privacy information.

We've all seen them on TV - holding up the line, filling their carts, handing over coupons, and walking out of the store having only spent .10 cents! While there is some reality to the crazy deals people can get through extreme couponing - today we'll take a tempered approach and see what us frugal folk can glean from this practice. Join us as we talk about what's worth couponing and what we should leave for TV entertainment. A.K.A. couponing for 'normal' people!Click here for full show notes!See omnystudio.com/listener for privacy information.

Today we’ve got Amanda Walker from the "Feel Amazing Naked" podcast. Amanda is a health and fitness coach who is also passionate about budgeting and paying off debt! We thoroughly enjoyed asking Amanda all the questions and getting inspired to leave behind our lame excuses for not taking care of our bodies! Amanda has so many great tips and an amazing perspective - we're confident you will enjoy her as much as we did!Click here for full show notes!See omnystudio.com/listener for privacy information.

The 'KonMari method' has quickly become a buzz word in the world of minimalism, so it's only fitting that we explore topic further! Today we talk about what the KonMari method is, the benefits and pitfalls, and how this might help you on your journey with frugality. Whether you are familiar with the concept or not, and whether or not you want to 'pet' your things and 'thank' them before discarding them - this episode is offers a balanced perspective for you!Click here for full show notes!See omnystudio.com/listener for privacy information.

Minimalism isn't just for your closets - the concepts can also be applied to your finances! Today we're talking about how to budget, and how to find a budgeting method that works for you, even if you're a frugal minimalist! There is no 'one-size-fits-all' when it comes to budgets and our mantra is 'freedom', so skip the guilt trips and shame sessions and tune in to receive permission to find what works for you!Click here for full show notes!See omnystudio.com/listener for privacy information.

We’ve got Merilee from Easy Budget (instagram sensation!) on the podcast today. She and her family have used Dave Ramsey’s baby steps - with their own modifications - to pay off $52,000 of debt. Merilee talks candidly with us about her debt free journey and ways we can all experience freedom even in the process of obtaining financial independence!Click here for full show notes!See omnystudio.com/listener for privacy information.

It's crunch time people! For those exchanging gifts this season, we got you covered. Today we are talking about some free, or at least frugal, gift ideas! From quick and easy, to thoughtful and genuine; you can engage in this season of giving without sacrificing your budget.  Click here for full show notes!See omnystudio.com/listener for privacy information.

'Tis the Season to be frugal (and jolly)! If you're trying to embrace this season without breaking the bank, you have friends in us! In this episode we're talking about how to have some frugal Christmas fun. From participating in traditions, to developing new ones; we explore all the ways to be festive, enjoy time with friends and family, and take advantage of all that the holiday's have to offer while still sticking to those financial goals!!Click here for full show notes!See omnystudio.com/listener for privacy information.

We are beyond thrilled to be speaking with Joshua Becker, author of "The More of Less", on the podcast today! Joshua is a speaker, blogger, author, and expert on the topic of minimalism and he shares with us his own minimalist journey. We also talk about Joshua's book, tips for those desiring a minimalist lifestyle, where to get started, how to do this with a family, and the deeper discoveries minimalism affords us. THIS is the episode you don't want to miss!Click here for full show notes!See omnystudio.com/listener for privacy information.

FREE; it's our favorite four letter word! Even better than spending less, is spending nothing - and today we're talking about how you can get everything you need for free! From 'buy nothing' groups, swaps, time banks, freecycle, and Craigslist - there are plenty of options for finding resources and items you want without spending a dime. Join us as we explore all the ways we can experience the joy of free!!Click here for full show notes!See omnystudio.com/listener for privacy information.

To shop or not to shop? Black Friday offers all sorts of promises, but can they be trusted? In this episode we explore the pros, cons, and alternatives to Black Friday shopping. Whether you shop for bargains, to maintain tradition, or choose to refrain altogether - we have tips and suggestions for you!Click here for full show notes!See omnystudio.com/listener for privacy information.

Today we talk with Andrew Wang from the Inspired Money podcast about all things investing! Andrew works as a financial planner and managing partner at his families firm, and he gives us all the details on making wise financial investment decisions, and how to make the most of your money even as a frugal investor. Whether you are knee deep in debt pay-off and have little clue about investment, or you have a fully functional understanding of your investment options, this episode is for you!Click here for full show notes!See omnystudio.com/listener for privacy information.

Libraries aren't just for 6-inch voices and frail librarians anymore! Upon closer inspection, there is quite a lot to be gained from these community establishments. Beyond lending books, most libraries have a plethora of additional (FREE!!) resources and events just waiting to be discovered. Join Jill in being shocked by all libraries have to offer!Click here for full show notes!See omnystudio.com/listener for privacy information.

They have a reputation for being 'shady' and there's the unfortunate play on words that TV shows love to exploit - but for the frugal shopper - pawn shops shouldn't be ignored! Today we discuss some of the highlights of these hidden gems and how to be a shrewd & savvy shopper in these secondhand establishments. We explore this topic from the perspective of the consumer and share our own areas of novice and expertise while also reviewing some common pitfalls. If you have frequented pawn shops, or have never stepped foot in one - this episode's for you!Click here for full show notes!See omnystudio.com/listener for privacy information.

We are so excited to have Jess Dang, the Founder of Cook Smarts on the podcast today! After experiencing health complications of her own, Jess desired to provide a useful service to others that may be experiencing difficulty in meal planning, and finding recipes to suite their dietary needs. Jess gives us a behind the scenes look at CookSmarts, and shares some expert frugal tips for meal planning, eating at home, and improving your kitchen skills!Click here for full show notes!See omnystudio.com/listener for privacy information.

Click here for full show notes!See omnystudio.com/listener for privacy information.

Extra jobs, gigs, supplemental income, passive income - however you want to define - we're all talking the same thing: side hustles. While it's not necessary to have a side hustle to be frugal, they can certainly help in the "debt-pay-off-and-other-financial-goals" journey! In this episode we look at the most (and least) lucrative side hustles, discuss realistic expectations, things to consider when taking on extra work, and our own experiences with side hustles. Having more money would be great, but how do we do this with the least amount of time investment, and the highest financial return? Listen in!Sponsors:frugalfriendspodcast.com/csCookSmarts: Not an official sponsor, but we like them! It’s a meal planning service that provides recipes, instructions, weekend prep options, and a shopping list for 4 meals per week, with dietary adjustments to meet your needs. They are offering 3 free weeks of meal plans if you sign up at We all only get 24 hours in a day, but planning how to spend those hours is the difference between getting nothing done and getting something done. It’s the best way to feel accomplished - and make room for that amazing side hustle! Time management. If you didn’t learn it when you were 10, try it now!Time Management:Notable Notes: This article from Market Watch gives the most (and least) lucrative side hustles. What the Internet has to say:We agree with selling/renting property as the most lucrative side-hustle. Jen has had great success with renting a room in her home on Airbnb, it is not a big time commitment but provides a great payoff!Selling crafts is so labor intensive, with such low financial return that you might as well get a part time job at Trader Joe’s insteadBiggest key is ENJOYING your side hustleA few resources for getting your feet wet with a side hustle include:TaskRabbit allows users to advertise skills like building furniture or moving boxesFiverr connects people with freelance work such as resume writing or translation starting at $5 per jobWag! is for dog-walkers and takes a cut of the fee pet owners payWhat Jen and Jill have to say:This article from Side Hustle Nation lists a comprehensive 99 side hustle ideas. More from the InternetNearly nothing on this list is applicable to our lives, but it does get our creative juices going! Selling on amazon - personal story of the pitfalls, but can be a worthwhile side hustle!Teaching english - can be a legitimate way to earn money VIPkidMore from Jen and Jillfrugalfriendspodcast.com/billBILL OF THE WEEK - If you want to submit your bill of the week visit to leave us a billOur side hustle experience:-airbnb, amazon - selling t-shirts, self publishing, online data entryJen - custom furniture, painting, cleaning, bartending/serving private events, DJ-ing, flips of vehicles, yard sales (online and in person) JillThank you so much for hanging out with us today! Hit the subscribe button wherever you’re listening to this episode and we’ll come at you every Friday with more frugal goodness. Until next week!See omnystudio.com/listener for privacy information.

Keeping up with repairs and maintenance of our homes can be costly! And the issues always arise at the worst possible times! Today we look at what the internet has to say about economical ways to tackle home repair projects, while also sharing our personal experience. We even discuss the ‘tools’ every home should have. No matter your level of ‘handiness’, frugality can intervene.Sponsors:  Not an official sponsor, but we like them! It’s a meal planning service that provides recipes, instructions, weekend prep options, and a shopping list for 4 meals per week, with dietary adjustments to meet your needs. They are offering 3 free weeks of meal plans if you sign up at frugalfriendspodcast.com/cs CookSmarts: Not the brand, just the tape. Need a dress to wear out on the town? Make it out of duct tape. Broken pipe? Duct tape. Broken door knob? Duct tape. The most versatile maintenance and fashion product on the market.Duct Tape:Notable Notes: This article from life hacker lists common home repairs that most people could tackle themselves. From clogged garbage disposals to jammed windows, they provide a pep talk convincing you that you’re capable along with video links to show you how!What the Internet has to say:We like this list because these are our most common problems! Finding video tutorials for the issue you are experiencing is the best way to cut costs on repairs. Oftentimes it is very possible to fix minor issues yourself! What Jen and Jill have to say:This article, also from life hacker, provides a guide on building a toolbox to meet your home maintenance needs. From basic to pro, there are some great suggestions!What the Internet has to say:Our biggest take-away is organization! DIY repairs and home maintenance will seem all the more overwhelming if you can’t find your tools - and definitely not cost effective if you end up just buying new every time!Tools we like = duct tape, lighter fluid (ok, maybe that’s not a tool), hammer, POWER DRILL!Tools we laugh at = level We agree with the list of ‘non-essentials’ but helpful items including: safety goggles, work gloves, rags, pencil, superglue, and WD-40.Pawn shops are great for finding cheap toolsCheapskate toolbox: vice grip, WD-40 and duct tape, multitool, pliers, ruler, several screwdrivers, scissors You don’t need a shed full of tools to get the job done!What Jen and Jill have to say:BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billThank you Leah for your bill of the week! Thanks for sharing your savvy genius!Bonus Internet Find:This article from Hub Your Home lists projects you should NOT tackle yourself. Call in the professionals for these! Know your limit and learn from the show ‘home improvements’ - it will only benefit your relationship with housemates!Electrical workGarage door repairRoof repairTree removalCrown moldingThank you so much for hanging out with us today! Hit the subscribe button wherever you’re listening to this episode and we’ll come at you every Friday with more frugal goodness. Until next week! See omnystudio.com/listener for privacy information.

We are so excited to have Cait Flanders, author of "The Year of Less", on the podcast today! Cait underwent a two-year shopping ban that changed not just her finances, but her life.  Cait is here on the podcast to tell us more about her experience, and give tips to others considering a lifestyle change. Sponsors:  - not an official sponsor, but we are big fans! It’s a meal planning service that provides 4 meals per week and they have regular, gluten-free, paleo, and vegetarian versions AND they’re offering 3 free meal plans and 20% off paid meal plans through Sept 26th (with more sales in the coming months). Nobody should say no to 3 free meal plans so head to frugalfriendspodcast.com/cs. If you do make a purchase you’ll help support the podcast. CookSmarts - buy nothing, spend nothing. nothing. try it out!NothingNotable Notes:Cait Flander's book "The Year of Less" was our first book for our Frugal Friends Book Club in the month of September. So it goes without saying that we are thrilled to be speaking with the author! Cait speaks candidly about the realities of this shopping ban experience, while still maintaining herself and dignity in the process. Questions for Cait from Jen and Jill: How was the second year of the shopping ban and how has life been since?Were you surprised by the peripheral issues and difficulties that the ban brought up for you? Did you anticipate so much ‘soul-searching’ and emotional/mental growth?What do you recommend for people who want to do a shopping ban?Overall what has stuck the most? (i.e. shopping being something we bond over, spending and mindfulness, needing friends in the process, overcoming rationalizations, etc.)What feedback have you received from readers? Any exciting stories that others have shared with you about the impact you’ve had?Questions from the Community Leah: "In the book, you compare and contrast your physical addictions with your spending addictions; wondering about comparing and contrasting between working through each?"Jessi: "What was your favorite part of the shopping ban? And the thing you were most excited to purchase after?"Emily: "So many minimalism writers and creators say to give up the stuff to find what matters but no one talks about how they found what matters after they gave up the stuff. I feel like you’ve tried to fill this gap better than anyone, but what are your thoughts?"Chris: "Have you always had a love for numbers and stats or did you just do it for the book/blog."Jennifer: "Will you ever blog or podcast again?"BILL OF THE WEEK - Thanks Cait for sharing your 'bill' with us this week!If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill! Head over to our Facebook group Frugal Friends Community for more content and camaraderie throughout the week.See omnystudio.com/listener for privacy information.

We all want to enjoy quality time with our significant other, but how can we do this on a budget?! Today we’re talking about nurturing our relationships and our bank accounts. We search the internet, and discuss our own tips on getting out (or staying in!) to enjoy fun and memorable dates with your love!Sponsors: If you’re married or in a relationship or a human being you want love. Remember, you can’t buy me love but you can buy me a financial future that will ensure I stay with you until death do us part.Love: Notable Notes: This article from StyleCaster brings us 31 FREE date ideas. What the Internet has to say: We like tip #8, which is enjoying a beach day - this can be done inexpensively and even in land-locked areas by finding a nearby lake with a bit of nice shoreline!Tip #13 recommends visiting an open house, which we definitely think is a fun way to spend an afternoon. Jill has taken this a step further to recommend boat and RV show rooms :)We agree with tip #25 which recommends playing old school video games - even those least interested in video games can get on board with pacman!!One of our favorite ideas was #5 which is geocaching - the adult (but still child friendly) version of a treasure hunt! PLUS this is how Travis proposed to Jen!! (aww ;))We don't recommend #15 Messy Twister - unless chocolate is involved.What Jen and Jill have to say:This article from The Krazy Coupon Lady lists 23 cheap and free date ideas. What the Internet has to say: We like that this article listed frugal date ideas in addition to free date ideas - there should be money in the budget to go out, but we certainly do not always need to spend top dollar! #5 cook together - we agree that this can be a great way to bond, create a new experience, and work side by side.We like idea #14 which gives ideas on getting cheap tickets to local sporting events. Because there's so much baseball (Plus minor leagues!)We love that this article recommends playing together, Tip #21 suggests playing outside - we like frisbee, badmitton, volleyball, or simply playing 'catch'! Check out tip #4 which recommends groupon for purchasing couples massages - this is a great way for a luxury date on a budget!#16 go to a 'you-pick' farm - look into farms in your area allowing you to pick and pay for what you have harvested. This is a nice "two for one" date in that you can enjoy time at the farm, AND go home and make something with your bounty!What Jen and Jill have to say:BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billThanks so much Jenna for sharing your frugal tips! We love to learn new ways to save on gym costs - and what a great date idea to do a yoga class with your significant other!General Rules to Live by and Other frugal date ideas:Invest in something small that will provide multiple enjoyable and memorable dates (i.e. small motorized raft for a summer-times worth of boating and picnics!)Explore yard sales and thrift stores together, with a set spending limit in mindWork on a project together, or volunteer togetherCombine something you have to do with your partner. Running, Don’t do something free that will cause you to spend money elsewhere (ie. taking a walk and ending up buying a $4 coffee, just bring your own.) See omnystudio.com/listener for privacy information.

In this episode we’re talking about minimalism and it’s part in frugality. You don’t have to be a minimalist to be frugal - but you might find that as you buy less and place less value in stuff you cultivate your own definition of minimalism.Sponsors:  Do you like to go out to eat but hate seeing the bill at the end of your dining? Take a friend - split your meal! Furthermore- would you like to practice portion control, and experience the frugal benefits of your clothes continuing to fit you year after year? Split your meal! It’s the original stomach shrinking, wallet preserving technique. Try it out. Meal splitting.Splitting Meals:Notable Notes:This article from The Minimalists explains what minimalism is and what it is not. What the Internet has to say:We like that minimalism can help you afford higher quality things by buying buying fewer things There is often freedom in the form of greater emotional, mental, and relational capacity as a result of pursuing minimalism and frugalityMinimalism comes in many shapes and sizes; this is not a one size fits all!We love the quote: “Minimalism is a tool to rid yourself of life’s excess in favor of focusing on what’s important—so you can find happiness, fulfillment, and freedom.”What Jen and Jill have to say:This article from Reader's Digest gives a list of 12 things minimalists wish we would all stop spending money on. What the Internet has to say:Single use kitchen gadgets. so true! Find tolls that serve multiple purposes!We agree with the collection of craft supplies being a little excessive and a slippery slope! Beware!We found this statistic listed in the article to be interesting, "Americans wear 20%of their clothing 80% of the time" - let's consider our own version of a 'capsule wardrobe'!What Jen and Jill have to say:frugalfriendspodcast.com/billBILL OF THE WEEK - If you want to submit your bill of the week visit to leave us a billThank you MK! Our life song!! an amazing throw back, and connection to this segment. You are a genius! - What we have to say about minimalismPersonal & Community Maria:  "I feel the shift to this (minimalist) mindset for me has been directly related to frugal and intentional living, especially over the last five years. I've realized I really don't need a whole lot to live a satisfying life."Bronwyn: "Right now my focus in (minimalism) is disconnecting from consumer culture so that I have only what I really need. I’m still trying to find a balance between not having too much and still having enough."Emily: "I started with fitness, which led to simple and clean eating, which led to simple living i.e. minimalism which led to financial simplicity i.e. cleaning up my debt and spending habits" To hear more from us and our frugal friends community, head over to https://www.facebook.com/groups/frugalfriendspodcast/See you there!See omnystudio.com/listener for privacy information.

It is Jen’s one year debt free-iversary so it's only fitting that we celebrate, and talk about what life looks like after becoming debt-free! From credit card bills to student loans to car payments; debt comes in many shapes and sizes and paying it off is a lofty and noble goal, but requires hard work and laser focus. In this episode Jen talks about what it's like to lift your head up from accomplishing this singular goal, and the difficulties in finding a new rhythm while identifying and naming new (and often diverse) financial goals. Even if you are still in your debt pay-off journey, you don't want to miss this episode!Sponsors: Podcast Crafter: whether you’re starting from scratch or need to free up your time, Podcast Crafter offers a suite of services for personal and business podcasts including branding, custom soundtracks, full episode production, & publishing. Visit http://www.podcastcrafter.com to schedule your free 1 on 1 consultation.Gazelles: We hoped to have Dave Ramsey sponsor us, but we couldn't pass up the opportunity to that the Gazelles offered. Notable Notes: What the Internet has to say This article from Good Moneying talks about prioritizing financial goals once you have achieved debt freedom. They give an incredible, and simple, chart to assist in naming and prioritizing goals. The author recommends creating large categories of 'emergency', 'liability', 'desire', 'responsibility' and writing individual goals within each category, followed by numbering each item in order of importance. This is a great exercise for anyone wondering where to begin with setting new financial goals.This article from Financial Panther discusses a new concept coined 'barista FIRE' and explains this notion of 'financial independence, retire early' from a little bit different of a perspective. The article argues that people may be able to attain FIRE at a faster rate if they continued to hold low paying but enjoyable jobs after a large sum of money was saved. These jobs could add a buffer to the amount of money needed each year and provide a more attainable financially independent situation, although not be completely 'retired'. An idea worth considering!BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to record your voicemail right to the website!Thanks Amia! A paid bill is the best bill!Personal & CommunityTell us what life looks like for you after becoming debt free (or what your debt free journey is looking like) by joining our facebook at: https://www.facebook.com/groups/frugalfriendspodcast/search/?query=debtWe look forward to hearing from you! See omnystudio.com/listener for privacy information.

Paying off debt, saving money, or reaching other financial goals may seem impossible when you have children - but on this episode Allison from Inspired Budget proves to us it's not! Allison talks candidly about how she and her husband paid off 6 figures of debt with babies in tow. Listen in for some useful and tangible tips to help you on your frugal and debt-free journey!Sponsors: Podcast Crafter offers a suite of services for personal and business podcasts including branding, custom soundtracks, full episode production, & publishing. Visit podcastcrafter.com to schedule your free 1 on 1 consultation.The Financial Freedom Planner was created by Jen to fill in the gap between knowing you need to take control of your finances and achieving the self discipline you need to do it. This planner helps you put your ideas and goals on paper, or in the editable PDF! Check it out at frugalfriendspodcast.com/planner and see if it can benefit you as much as it has benefitted us!Content: We ask our frugal friend Allison from Inspired Budget all about her debt free journey while raising children. Allison talks about How much debt they had, what it was, and how long it took to pay it offWays she kept costs low while having kids, medical bills, and managing children's exposure to 'things'Budgeting, cash envelopes, emergency funds, and approaching debt-freedom as a journeyWhat comes after the big debt pay-off, and ways to set goals with your spouse and kidsBILL OF THE WEEK Thanks Allison for also sharing your bill of the week with us! We're so glad you found a great preschool for your son!If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to frugalfriendspodcast@gmail.comWant more from the Frugal Friends?!We are starting The Frugal Friends Book Club! And you could of the book!win a copyWe’re going to read 1 frugal book every month, starting in September with "The Year of Less" by Cait Flanders. Cait did a two year shopping ban that changed not just her finances but her entire life. AND we’re giving away the book for free! For every 5 reviews we get this month, we’ll give away 1 copy of the book!To enter to win the book leave us a review on your podcast listening device (not just itunes!) screenshot the review and send it to frugalfriendspodcast@gmail.com  See omnystudio.com/listener for privacy information.

Before the frugal journey, comes the "why" that propels it all. It is different for each of us, but there needs to be a reason behind the unusual frugal lifestyle we choose! Today we discuss our "why's" and help you define yours.Sponsors: Podcast Crafter - podcastcrafter.comThe Financial Freedom Planner - created by Jen, the Financial Freedom Planner fills in the gap between knowing you need to take control of your finances and achieving the self discipline you need to do it. Check it out at: frugalfriendspodcast.com/planner Notable Notes: This article from US News gives 6 reasons about why frugality is important, followed by a short list of some great frugal skills to acquire. We agree with the frugal benefits listed!Reasons we like frugality: allows us to work our dream career (even if it's lower paying!)frugality is better for the environment - hello simplicity!helps us save aggressively for retirementchanges our perspective entirely on nearly everything!Oh, and here's Jill's sister's deodorant - Native https://www.nativecos.com/product/deodorant-women/This article gives a unique perspective on frugality and touches on another one of our "why's" for living the frugal lifestyle, which is generosity. Becoming Minimalist writes about 9 ways generous people see the world differently, and we think there are a lot of overlaps with frugality here!What we have to say about this topic: how we approach frugality and generosity really speaks to the age-old 'ice-breaker' question of “what would you do if you had a million dollars?”frugality allows us to give of our time and resources in a way that is sustainablefrugalfriendspodcast@gmail.comBILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to Thank you Jocelyn for sharing your bill! We love babies, especially babies named Billy in 2018!From our community - here's what our frugal friends had to say about their "why's" behind frugality:Hilary said traveling inspires her frugality and seeing that it’s people, not stuff that brings her joyShaana is trying to be a good steward of the blessings she has, she wants to help kids pay for college, AND she wants to be able to give moreAlexandra said it’s because her family was notorious for frivolous spending when she was a child and she promised herself she wouldn’t follow in their footsteps Katherine said it’s because her husband is a grad student and she’s a relatively new entrepreneurIn case you haven't heard....we are starting The Frugal Friends Book Club!We’re going to read 1 frugal book every month and we’ll start in September with The Year of Less by Cait Flanders, Cait did a two year shopping ban that changed not just her finances but her entire life. And we’re giving away the book for free! For every 5 reviews we get this month, we’ll give away 1 copy of the book.To enter to win the book leave us a review on your podcast listening device, not just itunes, screenshot the review and send it to frugalfriendspodcast@gmail.comWe’ll select the winners on August 31st.  See omnystudio.com/listener for privacy information.

Today we dive deep into meal planning. We cover the "how to's" of meal planning and meal prep, the "why's" behind it, what to do when meal prep is not a possibility, freezer meals, and planning around grocery flyers and sales. For some, meal planning and prep is a life goal, and for others this process is a walk in the park; but for all of us who desire to live a frugal lifestyle it is an important aspect of our journey! So let's figure out a system that works for us!Sponsors: Books - the frugal entertainmentPodcastcrafter.comPodcast Crafter - Check them out and hire them for all your podcast needs! Notable NotesThis article from Kitchn provides a beginners guide to meal planning, complete with definitions, tips for starting, and what meal planning is not.BudetBytes provides another guide to meal prep and planning and answers the questions of "why" do it, foods that can be prepped ahead of time, how to know if food is still "good", and who meal prepping works for.What the Internet has to say:Meal planning isn’t the holy grail! It offers a template, so plan for takeout, delivery, and leftovers, because you don’t need 7 meals planned and purchased every week! Meal planning can be flexible, and does NOT need to be entirely home cookedMake a master ingredient list on your phone or tablet to know what you have in stock, and what to purchase when outUse last night's leftovers for lunch!Pre-chop veggies  all in one day to make cooking easier throughout the week. Involve your partner, friend, or children in on this process!What Jen and Jill have to say:frugalfriendspodcast@gmail.comBILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to Our ExperienceJenHave a template, such as 1 asian meal, 1 mexican, 1 slow cooker meal, etc. Cultivate a love for leftovers - it's frugal :)JillKeep simple and start small - otherwise you will get overwhelmed and won't stick with it!Consider cooking up your main meat or veggie in a simple way and add it to different meals throughout the week (i.e. breaded chicken added on top of salad, in a sandwich, or with sauce and pasta)Utilize home-cooked frozen meals (or store bought) in your meal planning routineCheck out frugalfriendspodcast.com/cooksmarts - this site creates 'made for you' meal plans, complete with a shopping list and recipes!What's Next?Introducing, !The Frugal Friends Book ClubWe’re going to read 1 frugal book every month and we’ll start in September with "The Year of Less" by Cait Flanders. Cait did a two year shopping ban that changed not just her finances, but her entire life. For every 5 reviews we receive this month, we’ll give away 1 copy of the book.YOU COULD WIN!To enter to win the book leave us a review on your podcast listening device, (not just itunes) screenshot the review and send it to frugalfriendspodcast@gmail.comWe’ll select the winners on August 31st!See omnystudio.com/listener for privacy information.

We all want our home to be a place where we can relax, enjoy family time, and entertain others; but how do we create a beautiful and functional environment without breaking the bank? Today we look to the internet and Jill's personal expertise on interiors to bring you some top notch tips on uniquely decorating your space the frugal way!Sponsors: Spray Paint: Don't like the color of your cabinet hardware? Spray paint it! Wish that plastic owl was gold?Spray paint it!podcastcrafter.comPodcast Crafter: Your one stop shop for all your podcasting needs! From show notes, to individual soundtracks, to production - Podcast Crafter has what you're looking for. Check them out! Notable NotesWhat the Internet has to Say: Apartment Therapy curated 20 tips for decorating on a budget from a few of the pros. Some out of the box ideas are shared from those in the business of decorating homes.What Jen and Jill have to Say: We like what Jamie Drake has to say about shopping at home. Check your basement, attic, or even other rooms for pieces that could accentuate or complete the look you want.Emily Henderson also shared a great tip in the article about focusing on one statement piece and finding less expensive items to compliment that decor.We also agree to focus on the shape and function of furniture as they can be reupholstered or painted if the color or fabric is not quite right.More from the Internet: This Country Living article provides 38 decorating ideas for those sprucing up their homes on a budget. The author focuses on small projects that can make all the difference in the look and feel of the rooms in your home!More from Jen and Jill:While there is much to debate about wallpaper, it can be worth considering on an accent wall; especially if you purchase the kind that is easily removed! Check out this article for a list of companies selling removable wallpaper!We also agree with the tips on adding a fresh coat of paint to walls as a way of re-imagining a room(#3), using trays and large plates to organize and corral items (#9), turning cards or prints into framed pieces of art (#24), and changing out the hardware on cabinets for a clean and updated look (#25)!BILL OF THE WEEK Thanks for sharing your bill with us! We always love hearing all the creative bills you are excited about!frugalfriendspodcast@gmail.comIf you want to submit your bill of the week, visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to Our Experience Jill can't speak highly enough about yard sales, thrift stores, the clearance section, and AUCTIONS! If you can be patient, and keep a running list of the things you are looking for, you can usually find something one of a kind!Also consider DIY projects - get inspired by pinterest when decorating different parts of your home!Keep an eye out for free curb-side treasures! Jill has scored some great furniture and decor both for herself and for friends this way!The best thrift stores for specific needs:Habitat for Humanity ReStore: fixtures, furniture, hardware See omnystudio.com/listener for privacy information.

In this episode we talk with Amanda from Debt Free in Sunny CA about her massive $133,763 debt pay-off! Amanda and her husband paid off over $133,000 of debt in 43 months and became debt free just a few short weeks ago on July 5th 2018. During that time she started the #debtfreecommunity on Instagram that has become a safe haven for others paying off debt.Notable NotesAmanda shares tips on how they paid off debt, getting her partner on board, and even how to save on pet care and vet bills! We also discuss the importance of finding your "why" in this debt-free and financial independence journey. Amanda shares her "why" along with other great insights on partnering with your spouse to accomplish financial goals.We had a great time talking with Amanda and hearing her amazing debt pay-off story, and celebrating her accomplishment with her! Not to mention, we always appreciate learning new tips from our frugal friends!BILL OF THE WEEK- Thanks Amanda for sharing your bill! If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to frugalfriendspodcast@gmail.comThanks so much for hanging out with us. If you like the message we’re spreading you can support us by leaving a review on Itunes  or Stitcher and hitting the subscribe button to get new episodes every Frugal Friends Friday. AND join our Facebook group at frugalfriendspodcast.com/group for more discussion on today’s episode and tips from the community. See omnystudio.com/listener for privacy information.

Ugh, student loans. Let's all have a collective, frustrated sigh. Even for the most debt averse people, student loans are often still a part of the equation. SO, let's talk about getting rid of those loans!! This episode explores ways to save on student loans, refinancing, loan forgiveness programs, and straight up lifestyle changes to help get rid of student debt fast! We're glad you're here and we're excited to have frugal friends in this debt-free journey!Notable NotesWhat the Internet has to say:This article from student loan hero provides a comprehensive list of loan forgiveness programs. The site provides clickable links for each type of loan forgiveness option, along with explanations for the different programs.Student Loan Planner goes into great detail about the public service loan forgiveness program and tips for applying while also avoiding the pitfalls.If considering refinancing students loans, check out this article! Student loan hero advises 6 steps to take prior to applying to refinance.And check out Jen's story on Student Loan Hero!What Jen and Jill have to say:The Public Service Loan Forgiveness Program (PSLF) is the best, but also probably not the best. Being that this loan is a government program, things could change! There are also a lot of caveats to be aware of, so heed the advice of those that have gone before us!!Refinancing can be a great solution to get your loans all in one place and lower your interest rate. We recommend Education Loan Refinancing since it has the lowest interest rates and the highest cash incentive ($200!) if you sign your loan within 30 days of approval. AND if you use our affiliate link to sign up, you'll get an extra $100!!Our Experience:Jen has her own amazing student debt pay-off story! Check it out on her blog Saving with Spunk  Use speed! Going hard at paying down your student loans fast is the only way to save money, and pay down debt efficientlyBonus link! Check out this article for more tips on loan forgiveness, not mentioned in the show! BILL OF THE WEEK: Thank you again Hannah Randall for your SECOND bill of the week! You get the loyal frugal friend award!If YOU want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to frugalfriendspodcast@gmail.comSponsors check them out for all your podcasting needs! podcastcrafter.comPodcast Crafter - want to pay off your student loans? It just takes TIME (and money) :)Time -  See omnystudio.com/listener for privacy information.

With healthcare costs rising we thought it only fitting to talk about frugal ways to approach caring for yourself. We cover healthcare sharing, HSAs, ways to maintain health, acupuncture, glasses/contacts, teeth cleanings and more! We know it's a frustrating and sometimes boring topic but we promise to bring some lighthearted humor and invaluable tips for this necessary issue.Sponsorspodcastcrafter.com - incredible podcast production services - check 'em out!- the frugal dinnerbeans and rice Notable NotesThis article from Mila at The Balance shares 10 ways to minimize costs on health care and insurance. Mila gives helpful information on the different nuances of various health insurance plans and some pitfalls to watch out for. While mainly talking health insurance, there are some great tips regarding billing and finding discounted services.We agree with tip #3 about being aware of balance billing; this is a real thing! Doctors offices may try to bill you for the balance not paid by insurance, but you do not always need to pay thisWe like tip #4 about finding alternative insurance. Some options include: Farm Bureau Financial Services, Medi-ShareWe do recommend looking into getting a health insurance broker, sometimes this can save big money and YOU don't pay for the brokers services#10 is the tried and true frugal method; shop around and compare costs for specific proceduresWhat Jen and Jill have to say:This article by Wendy at WebMD 5 ways to save on medical costs. There are obvious tips like talking to your doctor, but there are also some suggestions we have not considered for saving on medications!We like tip #5 about pill splitting - it's possible to decrease the cost of prescription medications if certain milligram amounts are cheaper. Meaning pay less for the 30mg pill and split in half if your prescribed dosage is 15mg. Worth looking into!!What Jen and Jill have to say:What the internet has to say:BILL OF THE WEEK- If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to frugalfriendspodcast@gmail.comOur Experience:Preventative care that will actually save you money isn’t screenings. Check out this NY times article for more. Consider contributing to HSA’s to offset the downfall of Medicare; this article gives a great explanation on HSAsUtilize Groupon for teeth cleanings, Mystery shop for teeth cleaning and eye exams through A Closer Look. Shop for contacts through EbatesAcupuncture for preventative care; check out this article from the Penny Hoarder regarding the benefits!JenKnow what’s an ‘emergency’ and what super glue can fix! For instance, my pinky tragedy while doing the dishes!JillBEFORE + AFTER pictures on the website - super glue for the win!-Preventative care - drink apple cider vinegar everyday! Thanks Linda SSee omnystudio.com/listener for privacy information.

It’s July and we’re in the throws of summer travel, so it's only fitting for us to talk about adventurous frugality! We covered saving on plane tickets in episode 7 so hopefully you already have that one figured out! In this episode we move on to discuss keeping costs low while on vacation. Here's to enjoying life without breaking the bank!Sponsors:saying “no” - just do itpodcastcrafter.com For all your podcasting needs! Check them out!Notable Notes:What the internet has to sayThis article from Nomadic Matt outlines 7 tips for saving cash on accommodations while traveling. Included in the list are home sharing options, hostels, and rewards programs. Moral of the story: there are more options than we would have originally thought!What Jen and Jill have to say: couchsurfingsharing house space on airbnbhostelsMONASTERIES!!!David Ning gives 50 (that right 50!) tips to save money on vacation. The article goes through categories different categories including saving on flights, food, car rental, transportation, currency, accommodation, shopping, travel alternatives, and other tips for budget travel. What Jen and Jill have to say: plan your meals and don’t eat every meal outyou don’t need rental car insurancedo a cost analysis on staying outside of the city and getting a rental car/ commuting vs staying withincheck your insurance and credit card policy. BILL OF THE WEEK- If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to frugalfriendspodcast@gmail.com Our experience:Let's get philosophical: should you vacation while you’re in debt?If you’re going international get the schwab debit card.Rent and RV through sites like the following: https://rvshare.com/?semid=google.nb&placement=g&campid=945028445&adgid=45150523137&keyword=e.rent%20rv&copyid=229314280260&kwd-299503571948&device=t&camptype=search&gclid=Cj0KCQjwvezZBRDkARIsADKQyPkim1pnsSYACEKuYR8tEE8AGU-6kcNnbysjVsXlC2lmpdaZrWVphj7oaAme3EALw_wcBhttps://www.cruiseamerica.com/rent/ OR invest in your vacation rather than throw money out the window - get creative! For example, purchase a trailer or RV, use it for your vacation, then sell it!See omnystudio.com/listener for privacy information.

In this episode we tackle a subject that is a bit beyond our expertise, BUT frugality can be applied to all areas of life; including cars!We talk car maintenance, purchasing, and overall approach to vehicles that can reorient how we view transportation, while also exploring some ways to save money in the process!We could tell you how to save on insurance or at the car lot but frugality isn’t just about saving money. It’s essentially about making fully informed purchases.Notable Notes:What the internet has to say:Kevin Mercadante Article;This Money Under 30 article looks at the true cost of car ownership and explores 6 major vehicle costs including: fuel, licensing/registration/taxes, insurance, maintenance/tires, finance charges, and depreciation.What Jen and Jill have to say: Having a car longer versus trading in seems to be the better deal BUT buy used! (depreciation will get ya)Wisebread Article by Paul Michael dives into 8 easy DIY car repairs. Paul highlights a few vehicle maintenance jobs that could be done at home for those who want to expand their skills! What Jen and Jill have to say:We love the problem solving/DIY approach!! There are some BOLD suggestionsCheck out some simple car maintenance on youtube like this one: https://www.youtube.com/user/scottykilmerBILL OF THE WEEK- Thanks Hannah from Souderton, PA for your awesome Bill of the Week!! We did not know this about duck bills!frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to call our Google Voicemail.Our experience:If you are wondering "how much should I spend on a car?" check out this article which gives a great break-down!https://www.moneyunder30.com/how-much-car-can-you-affordBasically, 10-35% of annual income IN CASH should be spend on a carBuying quality used cars in cash has been the best system for us!Sponsors: do it!Budgeting - See omnystudio.com/listener for privacy information.

Today on the Frugal Friends Podcast we do something very new and exciting by hosting a guest! You don't want to miss this interview with Joel Larsgaard from the Pour not Poor podcast. In addition to hosting a podcast about craft beer and personal finance with his friend Matt, he also works as a radio and web producer for money saving guru, Clark Howard so he has a lot of tips for saving money to share with us!Notable NotesWe ask Joel about everything from his history with frugality, money saving tips he picked up from Clark Howard, expert advice on rental properties, how he find deals on mid-century furniture, and finally to the topic of biking to work!What we got from the conversation was more than anyone could have expected as Joel speaks candidly and with a great deal of knowledge about his own experience watching his parents file for bankruptcy, ways adult children can broach the topic of finance with aging parents, and the process of forging a new path with one's own financial decisions.It's a great combination of insightful, thought-provoking conversation and light-hearted tips for anyone on the wide spectrum of frugal living!BILL OF THE WEEK- If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to frugalfriendspodcast@gmail.comThanks so much for hanging out with us. If you like the message we’re spreading you can support us by leaving a review on Itunes and hitting the subscribe button to get new episodes every Frugal Friends Friday. AND join our Facebook group at frugalfriendspodcast.com/group for more discussion on today’s episode and tips from the community. See omnystudio.com/listener for privacy information.

That's right - Jen and Jill like to go out to eat too! Believe it or not, you can eat at restaurants and still be frugal! In this episode, the frugal friends bring you the best the internet and life experience has to offer regarding dining out without destroying those financial goals.Notable NotesEat This ArticleThis article shares 20 ways to reduce your restaurant bill. Some tips are obvious, some tips are noteworthy, and some tips should never be used! The frugal friends discuss the highlights! Avoid tips, and supplement with food at home by taking it 'to-go'Ask about status discounts (teacher, law enforcement, military, etc.)Split/share mealsHAPPY HOURS!Don't show up starving - eat a snackJen's rant about not asking your server for free foodWhat Jen and Jill have to sayThe Simple Dollar Article15 strategies for saving money at restaurants are listed and include some great tips for real savings, like purchasing discounted gift cards and implementing a more frugal mindset when dining out.Utilize discounted gift cards through sites like Gift Card GrannyJill's warning about 'tip tolerance' on gift cards; check out more HERECheck for coupons through sites like ValpakConsider going to restaurants that offer free appetizers (bread, chips, etc)Portion control :)What Jen and Jill have to sayWhat the internet has to sayBILL OF THE WEEK- If you want to submit your 'Bill of the Week'  call our Google Voicemail at 570-995-1540Jen and Jills favorite tips for dining outJenmystery shopping Coyle HospitalityBestmarkCustomer ImpactConferoJillUtilize websites like Groupon Order from the kids menu!Meal Planning on a BudgetALSO, check out Jen's book (mentioned in the show) See omnystudio.com/listener for privacy information.

It’s summer! Therefore - we're traveling! In this episode, Jen and Jill actually sit in the same room and discuss how to score inexpensive tickets on flights. Personal experiences are shared and new insights from the internet are discovered. If you ever plan on flying, you don't want to miss this episode!Notable NotesThrifty Nomad ArticleIn this article the thrifty nomads share some very tangible tips for reducing the cost of plane tickets. Some lesser known tricks like using an 'incognito' window are shared with instructions on how to incorporate this into your flight search routine! Use an incognito window when searching flightsBefriend budget airlines (Allegiant, Frontier, Spirit - they aren't so bad!)Utilize websites like Airfare Watchdog to score cheap flightsWhat Jen and Jill have to sayThrillest ArticleSophie-Claire Hoeller shares 12 hacks to save money on plane tickets. Included are some risky tips, but also some helpful insights that are worth implementing the next time you go to book a flight! Purchase tickets 47 days in advance (if possible)Jill thinks some tips like 'hidden city ticketing', using a 'fake location' are 'sketchy' and advises to proceed with caution - BUT definitely report back if you do this and it works!What Jen and Jill have to sayWhat the internet has to sayJen and Jill's favorite tips for saving on flights Jill ITA Matrix - the website looks like it hasn't been updated since 2001, and you can't actually purchase tickets through the site, but it allows for comprehensive and advanced searches for finding the best deals!Travel and Leisure Article explains how to use the ITA matrixJen Southwest companion pass explained HEREReferral link: https://www.referyourchasecard.com/223/EPP76MYV1LSee omnystudio.com/listener for privacy information.

Jen and Jill talk wedding ceremonies - specifically the most expensive parts including; rings, dress, venue, flowers, and photographer. Of course, the internet is roped into the conversation and the Frugal Friends dialogue about key tips to saving money on 'the big day'. The Friends even share their own frugal fails, so you don't have to make the same mistakes! Stay tuned for 'Part II' where the Frugal Friends will explore frugal ways to throw a killer reception!Notable NotesBuzzFeed ArticleRachel outlines 33 ways to save money on your wedding. Tips on everything from day of the week, to choosing the right vendors are covered. Jen likes #4 outside vendors, and #15 venues with visual appealJill disagrees on #2 - 'taking your time'What Jen and Jill have to sayWoman Getting Married ArticleJen Goldenburg takes a close look at wedding dresses, and shares 5 ways to save money on this important element. Jen likes #5 non-wedding gown - obviously because this is what she did!Jill shares her frugal fail. Pictures below! [caption id="attachment_89" align="alignnone" width="181"] The dress Jill thought she was getting[/caption]  [caption id="attachment_88" align="alignnone" width="199"] The dress Jill actually got[/caption] What Jen and Jill have to sayWhat the Internet has to sayVenueJen - a shuffle board court!Jill - cheapest church in town that could seat 300!RingsJen - Pawn Shop HagglingJill - Antique/Consignment storePhotographerJen - Friends!Jill - Budding photographer friend using wedding to build portfolio and brother-in-law for second shooterFlowersJen - Did not buy many flowers - she thought the shuffle board court was beautiful enough!Jill - Eric picked her flowers day of the weddingMost Expensive Parts of A Wedding - What the Frugal Friends didBILL OF THE WEEKWedding FreebiesFree invitations that don’t suckWedding ChicksOther Wedding Freebies The BalanceSee omnystudio.com/listener for privacy information.

Phone, utility, and internet bills are just a few of the dreaded expenses covered on this week's frugal episode. It doesn't have to all be doom and gloom though, as we search the internet and weed through what's useful and what's not when it comes to saving money on bills. We even learned a few things about ceiling fans along the way! Get pumped.Notable NotesLauren Greutman ArticleLauren shares 15 ways to reduce utility costs and covers everything from washer/dryer tricks to negotiating with your electric provider. Doing chores that involve electricity at night may mean paying a lower utility rate - check with your providerRotating ceiling fan blades/switching direction of ceiling fan (i.e. pull warm air up/push cold air down, or vice versa)Protecting windows from drafts in the winter - Jill's recommended shrink film HERESwitch to LED bulbs for reduced electrical costs 2700 Kelvin Color Temperature is the equivalent to a soft white incandescentHere's a 'nerding out' article on light bulbsWhat Jen and Jill have to sayThe Simple Dollar ArticleTrent shares 40 ways to save money on common monthly expenses. There are some overlap suggestions from the Greutman article, but also some great reminders about thinking differently and approaching expenses from a more frugal perspective. Jill really did not resonate with this article and openly shares her contrary opinions to numbers 13, 32, and 36. After all, what functioning adult - alive in 2018 - has an epiphany that they no longer need their cell phone?!Jen took a more level-headed approach and affirms the suggestions of using power strips/timers, and eliminating unnecessary subscriptions.What Jen and Jill have to sayWhat the internet has to say1. and call every few months for a better deal - this works particularly with cell phone and cable service providersShop around2. - identify ways to cut back on TV spending, don't use the dryer for the full cycle, etc.Reduce use3. - this IS worth spending money on! Freedom awaits!Pay off debtWays we save money and what’s worth spending onJen shares her internet/phone service failFrugal FailCall us at and leave a voicemail!570-995-1540 Share your bill of the week and be featured on our podcast!BILL OF THE WEEK!BONUS: Picture of Jill's frozen face on Jen's computer screen. When does the face ever freeze so perfectly?!? (check it out over on the show notes on the website)  See omnystudio.com/listener for privacy information.

The Frugal Friends take a look at the fundamental need and expense of shelter! In this episode Jill shares her adventures in non-traditional housing solutions and Jen talks house hacks and how she uses her home as income property. A number of internet articles are explored and the pros and cons of renting versus buying are equitably discussed.Notable NotesWhat the Internet has to say Market Watch ArticleJacob Passy boldy supports his claims that, in some cases, it makes more sense to rent than buy. Citing shifts in economics and the housing market, Jacob gives a convincing argument to stick with the landlord, and enjoy the freedom that comes with renting. You do run the risk of rent inflation but when you own your taxes increase too so you’re not immune.Renting includes being absolved from fixing anything that breaks, renters insurance is a fraction of the cost of homeowners insurance, you don’t have to pay property taxes, there is no interest lost when you rent.Jen -"we love our house but it's a luxury". The house you live in isn’t an investment, it’s a home. Until you’re ready to incur the cost of maintenance, upkeep, and designing it to be a place you love, no one, including yourself, should rush you into buying. You’re not missing out on anything by renting, it’s the frugal thing to do. mic drop.What Jen and Jill have to sayThe Case for RentingJill shares on her journey of renting inexpensively, living in an RV, house-sitting, and living with grandma!Get paid to care for your elderly family membersCaring for ElderlyAlternative Housing1) rates are always at “attractive lows” and housing prices are always “only going up from here”2) Start doing best practices to increase your credit score and decrease your your debt-to-income ratio (less than 28%). Better yet, get out of debt first! Your goal is to qualify for a conventional loan.3) Save your downpayment (the more you save the lower your interest rate and less PMI you’ll have to pay.) And look at grants.Things to RememberCoach Carson ArticleChad Carson gives a very thorough description (with pictures!) of his 'house hacking' journey. The article includes Chad's own break down of the costs incurred and revenue accrued from his fourplex, along with a creative guide for others who are interested in 'house hacking'. Chad Carson is who Jen learned house hacking from - she always assumed it was an option, but Chad actually gave it a name! Jen's version of 'house hacking' includes renting out a room in their single family home on AirbnbWhat Jen and Jill have to sayWhat the Internet has to sayReady to BuyMr. Money Mustache ArticleMr. Money exposes the true cost of commuting and dispels the myth that 'commuting is a good way to save money' Some people think opting for lower rent outside the city and settling for a 30-40 minute commute is the smart thing to do, but the frugal friends disagree.Jen agrees with Mr. Money Mustache that you should pay the higher rent to live close to your work and life if you’re willing to 1) bike to work 2) sell youWhat Jen and Jill have to sayWhat the Internet has to sayThe Case Against a CommuteSee omnystudio.com/listener for privacy information.

The Frugal Friends discuss FOOD! Jen and Jill turn to the internet to see what others have to say about saving money on food, reducing waste, and still maintaining a healthy diet. Of course, the organic debate does come up; but thank you Aldi for not polarizing us!Notable NotesRoot and Revel ArticleIn this article, Kate lists 30 ways to save money and eat healthy on a budget. Included is the 'cheat sheet' on where to prioritize purchasing organic, how to make your own condiments, and resources to buy and support local agriculture. Buy food, use foodReduce animal product consumptionDisagree with meal kit delivery service oneDrink water! It's good for you!What Jen and Jill have to saySustainable Baby Steps ArticleThis writer argues that healthy food does not have to be expensive, and gives a strong case for why eating smart only appears to cost a lot of money. A long list of cheap, healthy food is given, and links to recipes are provided. Sustainable baby steps show you save money with whole foods but you pay in timeThe list of healthy and inexpensive snacks and foods is a winner!Learning how to cook, and the flavors you enjoy is key to embracing food the frugal wayWhat Jen and Jill have to sayWhat the internet has to sayTHANK YOU Aldi!The Organic DebateBILL OF THE WEEK Eating healthy is cheaper, but you pay in time and taste (unless you learn how to cook!)Budget your time (i.e. meal prep)Improve taste; research & practice makes perfectWrap UpSee omnystudio.com/listener for privacy information.

We discuss one of our most basic needs and how to spend and save smartly on our clothing. Beyond the purchase of clothing, the Frugal Friends also explore proper care, and maintenance to increase the longevity of our clothing.Notable Notes:Penny Hoarder ArticleThe article shares 20 ways to save money on clothes. Tips include saving, spending intentionally, and even preserving and properly washing clothing.Thrift stores - YES!Hang dry clothing - Frugal Friends call this a 'two birds, one stone' situation; preserve clothes, AND save on utility costsCompartments in the washing machine explained HEREDry Clean at home DIY Dry CleaningWhat Jen and Jill have to sayMoney Talks ArticleAngela Colley shares 23 money saving tips on clothing. In a culture where the average American spends $1,800 a year on clothing, the Frugal Friends agree; we can do better!Buy out of season Skip expensive workout clothesOrganize a clothing swap with friends - another 'two birds, one stone' scenario; hanging out with friends AND getting 'new to you' clothing!What Jen and Jill have to sayWhat the internet has to sayJen - buying quality, buying out of season, referral programsJill - thrift stores, mending, and swappingHow Jen and Jill save money on clothesunderwear (the line has to be drawn somewhere!)staple shoes (i.e. boots, quality sandals)coats (out of season is still best!)What Jen and Jill WILL spend money onThanks Lisa! The Frugal Friends think 'Bill' the dog sounds like a real gem!BILL OF THE WEEK Wrap UpChallenge yourself to not spend money on clothesClothing swap with friendsIf you have kids, clothes swap with other parentsUtilize referral programs - ThredUp & SchoolaSee omnystudio.com/listener for privacy information.

In this episode, we introduce the Frugal Friends Podcast, share a bit about ourselves, and a lot about frugality.We're excited to create a platform for sharing and learning together on this frugal journey!Frugality is for everyone; so join us by listening, engaging with our Facebook Group, taking the 90 Day Frugalizer challenge, and utilizing the links below for more resources and information on living frugally!Notable Notes: - Categories to anticipate with Frugal Friends podcast episodes Clothing/ShoppingBills/UtilitiesTransportationHousing4 PillarsFrugalwoods ArticleMrs. Frugalwoods (a.k.a. Liz Thames) identifies 19 reasons why frugality is the best - and the frugal friends agree!Frugality helps you identify your true prioritiesFrugality builds communityFrugality means you'll never be boredFrugality leads to gratitude and joyWhat Jen and Jill have to say:Millennial Money ArticleGrant went from a frugal guy who amassed $1M to flippantly spending over $200K in one year. In short; the spending didn’t make him feel better.Frugality is about spending wiselyFrugality is about the journey, not the destinationIt is never too late to 'course correct'What Jen and Jill have to say:What the internet has to sayIntroduction of the most anticipated, interactive segment!Leave us a voicemail with your BILL OF THE WEEK at: 570-995-1540BILL OF THE WEEK  (i.e. at some point you're wasting your time)The Law of Diminishing Returns ( i.e. if frugality keeps you from what you love its cheapness)Frugality allows you to discover what you truly value (i.e. you can’t buy your way to green) Frugality is good for the environment (i.e. you can have better things when you buy used and you’ll eventually stop buying those souvenir t-shirts you’ll never wear)Frugality refines your taste and style(i.e. the best way to not spend money is to spend time making it!)Frugality allows you more time to increase your income (i.e. sorry, not sorry)Frugality will not make you rich Tenets of Frugality #frugalnotcheapSee omnystudio.com/listener for privacy information.

Hi! We're Jill & Jen, your new frugal friends. We're here to help you embrace frugality and all the benefits that come with it.Are you trying to pay off debt or reach other financial goals?Do you often wonder where all your money went? Have you been looking for a community that will help you grow to your fullest frugal potential?Then join us on the where we help you save money on things you need, buy less of the things you don't, and leave more for the things you really want.Frugal Friends PodcastFrugal Friends is an accessible and informative podcast for anyone who wants to make better decisions with their money. We’re a place where people can learn together and share what’s worked for them.Everyone’s invited! We're finding joy in the simplicity of less. To follow along, Subscribe in Apple Podcasts, Stitcher, and Google Play.See omnystudio.com/listener for privacy information.