Frugal Friends Podcast

By Jen Smith & Jill Sirianni

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 Feb 17, 2021
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Description

Controlling your spending is hard to do. On every episode of Frugal Friends, we'll try to help you gain a little more control on one aspect of the countless directions your money is being pulled toward through frugality and a few laughs. If you're trying to save money, spend less, adopt minimalism, pay off debt or reach financial independence, we think you'll like the show.

Episode Date
How to Save Money on Coffee or End Your Takeout Coffee Addiction
2638
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!

Dec 03, 2021
3 Listener Debt Payoff Stories
3497

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!

Nov 26, 2021
Our Favorite Personal Finance Apps
2859

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!

Nov 19, 2021
How to Budget without Deprivation
3482

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!

Nov 12, 2021
From Over-spender to Millionaire w/ Walli Miller
3928

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 m

Get full show notes here!

Thanks for listening! See you next week!

Nov 05, 2021
Tips to Prepare for Holiday Sales Early
3431

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!

Oct 29, 2021
Side Hustles to Make A Quick $300
2658

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!

Oct 22, 2021
Eat Healthier, More Affordably & Easier w/ Cassy Joy Garcia
3801

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!

Oct 15, 2021
How to Identify & Improve Spending Habits
3487

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 08, 2021
Minimalist Investing
3444

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!

Oct 01, 2021
Paying Off $33K of Debt While Living on Half of Your Income w/ Elle Martinez
3430

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!

Sep 24, 2021
Simple Living, But Make It Frugal!
3507

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!


Sep 17, 2021
What Is Values Based Budgeting & How Do You Practice It?
3831

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!

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 


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Sep 10, 2021
Zero-Waste(ish) Cooking w/ Debt Kickin Mom
3701

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!

Sep 03, 2021
Psychological Tricks for Sticking to Your Budget
3547

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!

Aug 27, 2021
Investing vs Paying Off Your Mortgage Early
3341

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!

Aug 20, 2021
The Financial + Environmental Benefit of a Circular Economy w/ Ron Gonen
3762

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Aug 13, 2021
Decorating Your Home On A Budget
2741

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Aug 06, 2021
Should You Focus On Paying Down Debt Right Now?
2982

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!

Jul 30, 2021
Your Guide to Simple Solopreneurship w/ Laura Adams
3479

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!

Jul 23, 2021
Frugal Self-Care
3330

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jul 16, 2021
What is Frugality Really? And Is It Right For You?
3604

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!

Jul 09, 2021
The Future of Frugal
3582

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jul 02, 2021
How to Add Luxury to a Frugal Lifestyle
3231

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jun 25, 2021
Where to Save Your Money
2923

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!

Jun 18, 2021
Money Motivation For Moms w/ Cat Alford
3465

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!

Jun 11, 2021
Tips For Cash-Strapped New Grads
3521

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jun 04, 2021
Creating a Minimalist Schedule
2725

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!

May 26, 2021
Tips For First-Time Home Buyers w/ Scott Trench + Mindy Jensen
4107

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!

May 21, 2021
Demystifying the Credit Score
2806

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!

May 14, 2021
Home Renovations on a Budget
3136

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!

May 07, 2021
Roth IRA's Explained with Barbara Ginty
3506

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!

Apr 30, 2021
Eco Friendly Frugality | Frugal Environmentalism
3113

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Apr 23, 2021
How To Avoid Impulse Spending
2540

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!

Apr 16, 2021
How Budget Girl Sarah Wilson Paid Off $38K On A Low Income
2590

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Apr 09, 2021
Recognizing & Reversing Lifestyle Creep
3206

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!

Apr 02, 2021
How to Get Back on Track With Your Budget Quickly
2614

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!

Mar 26, 2021
Financial Independence 101 w/ Jamila Souffrant
2760

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Mar 19, 2021
How to Reduce Moving Costs
2696

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!

Mar 12, 2021
Travel Hacking for Beginners
2899

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Mar 05, 2021
Frugal Meal Planning w/ Ashtin Cope
2629

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!

Feb 26, 2021
Why We Still Love The KonMari Method + You Should Too!
3199

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Feb 19, 2021
How to Eat Healthy on a Budget
2693

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Feb 12, 2021
Understand The Stock Market + Investing w/ Bola Sokunbi
3952

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!

Feb 05, 2021
Tips For Living on an Extremely Low Income
3571

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!

Jan 29, 2021
Creative Ways to Declutter
2493

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!

Jan 22, 2021
How Lydia Senn Paid Off $36K of Debt On One Income
3145

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jan 15, 2021
How to Pay Off Debt Faster in 2021
2873

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jan 08, 2021
Minimalist Budgeting
3335

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jan 01, 2021
Christmas Listener Special: Frugal Friends Share Secret Frugal Tips
2650

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!

Dec 25, 2020
Money Mindset Shifts We All Need to Work on
3175

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Dec 18, 2020
Why Paying off Debt is Important & Attainable
3730

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Dec 11, 2020
Myths + Truths of Everyday Millionaires w/Chris Hogan
2574

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Dec 04, 2020
Intentional Giving
2663

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!

Nov 27, 2020
Frugal Tech | What to Buy, When to Buy New & Tips for Saving on Electronics
2828

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!

Nov 20, 2020
Creating a Minimalist Kitchen w/ Kristin Marr of Live Simply Mom
3345

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: 

  • Debt Free Christmas Planner- 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.
  • The essentials - 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!

Also check out these episodes related to kitchens and groceries!

EP 70 - Grocery Store Sales Cycles

EP 92 - Reducing Food Waste w/ Debt Kickin Mom

This 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 checkout

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Nov 13, 2020
Tips For Avoiding Holiday Impulse Buying
3103

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: 

  • Debt Free Christmas Planner- 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.
  • 2021 - 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.

Notable 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 temptation
  • Give them a deal- stop buying things because they’re on sale!
  • Emphasize self-care- find free ways to care for yourself
  • Go 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.

BILL OF THE WEEK - Thank you Becky for sharing your bill about Bill Shakespeare!! Your local library program sounds amazing! Also we love libraries too :)

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

This bill was sponsored by PolicyGenius: 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.


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Nov 06, 2020
The Pink Tax: What it is & How to Avoid it
2663

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: 

  • Frugal Friends Workbook. 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.

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 women

What 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 cleaning
  • What can be done?

More from the Internet:

This 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 purchase
  • 2. Consider unisex products
  • 3. Support companies ‘taking a stand’
  • 4. Be a part of eliminating the pink tax
  • 5. Support legislation to stop the pink tax
  • 6. Take advantage of credit card rewards - find ones that reward you for the things you purchase often

BILL OF THE WEEK - Thank you Rachel from Kansas for sharing your hospital bill from your birth and how you called to correct an error and saved $2000!!

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

FundRise: 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!

Lightning Round

Personal Pink Tax Experiences

  • Jen- I certainly see how I save more money having a son - so many additional products are geared towards little girls
  • Jill- When working at a group home I was unable to take a teenage girl to the barber for a $10 hai


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 30, 2020
Why You Need A Budget w/ Jesse Mecham of YNAB
4163

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: 

  • Frugal Friends Workbook. 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.
  • Budgeting with Spreadsheets: 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.

Notable Notes:

We asked Jesse all about the 4 rules for successful budgeting:

  • Give every dollar a job
    • Consider the idea of trade offs (i.e. If i do this - I can’t do that)
    • Recognize finite nature of your money and prioritize
    • Budget based on your current money on hand
  • Embrace your true expenses
    • Look ahead to less frequent expenses
    • Create sinking funds
  • Roll with the punches
    • Recognize that the future is not static
    • Don’t anticipate perfection
    • Change the plan as needed
    • Recognize its a process
    • Engage in high frequency of interaction with your budget
  • Age your money 
    • Budget the money you already have
    • Let your money ‘hang out a little’
    • Live ahead instead of behind

BILL OF THE WEEK - Thank you Jesse for sharing your bill about your electricity bill of $16!!

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

BetterHelp: 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.

Lightning Round

Our latest budgeting flub and how we recovered

  • Jesse- took over costco run and didn't even know how much the total bill was!
  • Jill- not accurately estimating reno costs and timeline for fixing up the new house
  • Jen- forgot to adjust budget to reflect ebbs and flows of work

Get more from Jesse and YNAB at:

YouNeedabudget.com

BONUS:

  1. Jesse's Book Recommendations:

-The Wealthy Barber

-Your Money or Your Life - Vicki Robin

-

Oct 23, 2020
How to Live in an RV or Motorhome
3524

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: 

  • Frugal Friends Workbook. 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.
  • Loopholes: 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...

Notable Notes

What the Internet has to say:

This article from Insider gives us a list of important things to consider about full-time RV-ing

What 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-time
  • There 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)

BILL OF THE WEEK - Thank 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 fee

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

PolicyGenius

  • Jen- 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 insuranc
Oct 16, 2020
How to Make More Money With A Side Business
3171

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: 

  • Frugal Friends Workbook. 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.
  • Society Against People Taking Online Surveys. 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.

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 entrepreneur

What Jen + Jill have to say:

  • Decisiveness 
  • Accountability 
  • Humility
  • Confidence
  • Resilience 

More from the Internet:

This article from Entrepreneur provides some unique ideas of ways to make the most of $100 from some of the top business leaders

More from Jen + Jill:

  • Buy or flip - find out what it’s worth and best place to sell
  • Test 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 service
  • Utilize your expertise
  • It’s never about the money

BILL OF THE WEEK - Thank you Emily for sharing your bill with us about $6 packs of light bulbs that will also save you money on your electric bill!

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill 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 ma


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 09, 2020
How To Cut Back On Emotional Spending w/ Leslie Tayne
3691

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: 

  • Budget Buster Bootcamp! 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!
  • Reigning it in: 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.

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 intentionality
  • How do you identify emotions that trigger spending?
    • Track your spending! Pay attention to what is prompting spending and how you feel before, during, and after
  • What are some alternatives to emotional spending?
    • Identify healthy coping strategies for some of the common emotions that could lead to unnecessary spending
  • How can you recover if you have made an emotional purchase?
    • Being kind to self
    • Write down what happened
    • Decide how you want to move forward - perspective of learning from this experience

BILL OF THE WEEK - Thank you Leslie for sharing your bill about your recurring purchases and how you negotiated EVERY.SINGLE.ONE.

  • If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill
  • 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.

Lightning Round:


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 02, 2020
How a No-Spend Month Can Help Your Finances
3501

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: 

  • Budget Buster Bootcamp! 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!
  • Spending all the money you saved. 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.
  • 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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Sep 25, 2020
Healthy Financial Boundaries With Family And Friends
3466

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: 

  • Budget Buster Bootcamp! 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!
  • Saying NO: Yup, you’ve heard this sponsor before, and they’re back to remind us that ‘no’ is an acceptable answer AND a complete sentence.

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 simplistically
  • How 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 with
  • Have a strategy for supporting friends

BILL OF THE WEEK - Thank you Ally for sharing your bill with us about duck bills!!

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

Lightning Round

Our financial boundary stories 

  • Jen- bridesmaid, bridal shower cost
  • Jill - boating (speaking expectations), helping someone move

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!

Sep 18, 2020
Money Hacks with Lisa Rowan
3431

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: 

  • The Frugal Friends Workbook! 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.
  • Real Friends! 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.

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 it
    • Do a no spend challenge
    • Hit 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 difference
    • Claim your missing money - go to your states directory and look up your name
  • What are your favorite tips to earn more money
    • Get a mentor! Look within your career to find an advocate to help you advance in your career
    • Side hustles - survive anything for a season
  • How about planning for the future?
    • You can start a 529 plan for yourself! AND it's not restricted by the state you live in

BILL OF THE WEEK - Thanks Lisa for sharing your bill about getting all your money back for a cancelled trip!

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

Lightning Round

Areas 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 eat
  • Jill - cutting back on take out
  • Jen - cutting back on fast food  

Get more from Lisa:

lisarowan.com

AND 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!

Sep 11, 2020
How to Save Money When Buying a House + Can Refinancing Really Save You Money?
3231

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: 

  • The Frugal Friends Workbook! 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.
  • Very High Price Tags on Seemingly Insignificant, low cost items: 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.

Notable Notes:

What the Internet has to say:

This article from The Lenders Network lists off 7 ways to cut costs when buying a house

What Jen + Jill have to say:

  • 1. Use an experienced LOCAL real estate agent
  • 2. Get loan quotes from multiple lenders
  • 4. Increase your credit score
  • 5. Find a house that needs some work
  • 6. Get the right type of mortgage loan
  • 7. Purchase a home in the winter

More from the Internet:

This article from Mortgage Loan provides 6 ways to save when refinancing your mortgage

More from Jen + Jill:

  • Pay  closing costs and points up front
  • Don’t take cash out - this type of refinance is more expensive
  • Improve credit score
  • Shop around
  • Have 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!

Lightning Round

Other ways to save

  • Jen- 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 Airbnb
  • Jill- consider purchasing in a lower cost of living area

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!

Sep 04, 2020
Frugal Dating Tips For Any Relationship Status
3238

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: 

  • The Frugal Friends Workbook! 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.
  • TV Series: 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.

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 ep
  • Transportation - link transport ep
  • Time is money - and we give this up as we date our significant other!
  • Intimate wear
  • Dating apps
  • Birth control

More from the Internet:

This 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 together
  • Find the best happy hour - make apps your meal
  • Play ping pong (or tennis lol)
  • Teach each other something….but be warned!
  • Book club/read to each other
  • Work out together
  • Outdoor activities- check Groupon
  • Breakfast date
  • Talk about your future- Plan your financial goals
  • Wash your cars

BILL OF THE WEEK - Thank you Sherri from novia scotia for sharing your amazing yatze computerized opponent named ‘Bill’!

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

  • 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 Gram


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Aug 28, 2020
Raising Babies Frugally, Minimally, & Sustainably w/ Chelsea Brennan of Mamas Talk Money
3839

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: 

  • The Frugal Friends Workbook! 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.
  • Cute Aggression - 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-between

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 anxiety
    • Beware of educational development marketing - they want your money - not to make your baby smarter
  • What are some costs new parents might not think about but are legitimately important? 
  • For the things we need, what are some ways to save money.
    • Local buy nothing groups
    • Borrow from friends
    • FB marketplace
    • Mom FB groups
    • Thrift stores
    • Consignment events 
  • What should new moms be prepared for as far as medical costs for delivery and baby well checks?
    • ACA often covers baby well checks
    • CALL INSURANCE provider to learn about coverage
      • Understand what your deductible is
      • Recognize possibility of paying deductible 2x
      • Options - what they cover (small perks)
    • Call hospital and get range of numbers
    • Select an office that has a set price
    • Consider 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!

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

Today’s Bill is brought to you by

Aug 21, 2020
What to Do with Your Purge: Tips for Donating, Gifting, and Selling
3327

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! 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!
  • Book of CD's: You know the kind :)

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:

More 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

Aug 14, 2020
Personal Finance Basics
3195

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: 

  • The Frugal Friends Workbook! 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!
  • Being Kind. No further explanation needed. just thought we could all use a reminder. Being kind: minimal effort - great reward.
  • 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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Aug 07, 2020
Frugal Travel: Staycations, Local Travel + Road Trips w/ Danielle Desir
3519

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: 

  • The Frugal Friends Workbook! 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.
  • Browsing the Internet! 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 you

Notable Notes:

We asked Danielle her top tips for frugal vacations, especially in the age of COVID and travel limitations:

  1. 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 restaurants

2. How about local travel? How can we save on safe activities and other stuff?

-consider whats within a few hours

-check regulations

3. 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 engine

4. How can we get financially prepared for travel in the future?

-define comfort level

-check credit card if not getting money back

BILL OF THE WEEK - Thank your Danielle for sharing your bill about dropping a bill you don’t need anymore! AND saving for backyard wedding

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

Lightning Round

Our upcoming travel plans, how we've had to alter them due to covid, and what we're doing to save on them.

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:

Jul 31, 2020
Tips For Creating a Capsule Wardrobe You'll Love For Years
2980

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: 

  • Jen- 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.
  • Jill- 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.

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. See
  • 2. Sort
  • 3. Choose

More from the Internet:

This article from The Blissful Mind provides us with a list of the top 10 capsule wardrobe essentials

More 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!

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

Lightning Round

What 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!

Jul 24, 2020
Maintaining Financial Stability Through Big Life Changes
3174

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: 

  • The Frugal Friends Workbook! 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.
  • Plot twists: Specifically the great Instagram post I saw that said you have every right to give em a plot twist. 

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 accounts
  • Build a “post divorce team” - financial advisor, therapist, vocational counselor (FRUGALLY!)
  • Develop a financial plan

More 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 expenses
  • Make sure new career can cover your costs
  • Save!
  • Take your time (stick with ‘old’ profession as you learn the new one)

BILL OF THE WEEK - Thank you Erica from NJ for sharing your bill about PAYING OFF 2 credit card! Congrats!

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%.

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

Lightning Round

How we navigated big life changes

  • Jill - current move to FLORIDA
  • Jen- Career change from acupuncturist to writer to freelancer

Wrap-Up:

Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jul 17, 2020
How to Make Budgeting Work For You w/ Rachel Cruze
2384

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: 

  • YOUR AD HERE: 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. 
  • Taking One for the Team: 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.

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 expected!

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

Lightning Round

Our most recent budgeting flop and how we recovered. 

  • Rachel- food! Recovered by spending less in other areas
  • Jen- 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)

Rachel Cruze Website, Show

Giving away 14 day free trial of financial peace daveramsey.com/hope

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!

Jul 10, 2020
Frugal Yard Maintenance + Landscaping
2951

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: 

  • Listeners like you: 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!
  • Neighbor shame: 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. 

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 budget

What 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 area
  • Plant useful! FORM AND FUNCTION
    • Rosemary - fleas+ticks
    • Peppermint - ants, spiders mosquitoes
    • Basil - mosquitoes + house flies
    • Lavender (the cadillac of plants!)- moths, fleas, flies, mosquitos
  • Ground cover - natural perennial ground cover (i.e. sedum, creeping periwinkle, violets, pansies, snow glories, moss flox)
  • Incorporate inexpensive lighting, fire pit, seating
  • Compost instead of mulch, free mulch from tree companies
  • Save old tires from the dump

More 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 money

More from Jen + Jill: 

  • Herbs - easy to grow, not bothered by pests, grow in mediocre soil
    • BASIL - 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 area
  • Lettuce and greens - hearty and fast grower
  • Hot peppers - we love salsa!

BILL OF THE WEEK - Thank you Amanda for sharing your utility bill that you dropped by $13

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

Lightning Round

How we do/will maintain our lawns

  • Jill
    • Personally most concerned about decreasing maintenance - plan to have little to no grass in backyard
    • Plant usefully - I like flowers, but I also REALLY like food - veggies will be priority
    • Plan 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 run
    • Propogate 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

Jul 03, 2020
How To Buy Happiness
3306

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: 

  • YOUR AD HERE: 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.
  • Chewing Gum: it’s what makes me happy and it’s what repels cavities. Chewing gum, it’s a win-win.

Notable Notes:

What the Internet has to say:

This article from Forbes provides us with 5 principles of happy money

What 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.” #absencemakestheheartgrowfonder
  • 3. 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 #hope
  • 5. Invest in others- “Research has shown that spending money on others provides a bigger happiness boost than spending money on yourself.”

More from the Internet

This article from INC provides us with some top tips for 'happy spending'

More from Jen + Jill

  • 1. Spend it on extra time- hire a housekeeper, virtual assistant, splurge for grocery delivery
  • 2. 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 about
    • BUT SPEND WITHIN YOUR MEANS
  • 4. Spend it on someone else - 'tis better to give than to receive

BILL OF THE WEEK - Thanks Olivia for sharing about your $2 bill that you used to FILL UP the gas tank on your scooter!

Jun 26, 2020
Modifying the Baby Steps with Merilee of Easy Budget
2959

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:

YOUR AD HERE. 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.

Internal Locus of control: 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.

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.

  • Questions
    • 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 401k
        • Bought a house during baby step 2
        • Maintain a bigger emergency fund
        • How do you stay motivated?

BILL OF THE WEEK -  Thanks Merilee for sharing your favorite bill and your love for amazon prime!! (Here's the link to the Tinkle Razor for anyone interested ;))

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

 More from Merilee

  • What 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 home
    • Find stay at home work - such as appraisals
    • Consider selling items on Etsy
    • Ask around! Be creative!
  • Tell us about your debt snowball calculator?
    • Find Merilee's awesome creations


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jun 19, 2020
How to Graduate College Without Debt
3029

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: 

  • YOUR AD HERE: 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.
  • Seniors: 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 experience
  • Reduce 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 fees
  • Lower tuition
  • No commute!
  • No lost wages (i.e. maximizes time - all time on school can go to graded assignments - more time to work)
  • Potential lower tuition

BILL OF THE WEEK - Thank you Kelly for sharing your bill with us about how you saved money on your menstrual cycle

Lightning Round 

Biggest waste of money in college and where we’re glad we saved:

  • Jen- Not using my full scholarship
  • Jill- going out of state - living on campus
  • Jen- Living off campus
  • Jill- books savings and school online

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

Jun 12, 2020
Repairing and Maintenance Tips to Prolong the Life of Your Stuff
2560

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: 

  • YOUR AD HERE: 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.
  • June Carter Cash: 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.

Notable 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” mentality
  • Lamps
  • Favorite sweater (AND ALL CLOTHING!)
  • Rugs and carpet
  • Ceramics 
  • Handbags- buy nice products that can be repaired
  • Scuffed 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 door
  • Vacuum
  • What's not a DIY fix

BILL OF THE WEEK - Thank you Brittany for sharing about your PAID apartment bills!

Lightning Round - Top 2 things we take care of so they last longer (and how)

  • outdoor furniture (bring cushions inside each night; wash yearly - bought the kind that can come off for this reason!)
  • Clothing - line dry and sew repairs
  • Bonus: anytime I do a painting project/refurbish something I paint a clear coat overtop which makes the finish last longer and more resistant to chips


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jun 05, 2020
Paying off $46,000 of Debt in a High Cost of Living Area
2557

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: 

  • YOUR AD HERE: 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!
  • Creativity: 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 :)

Notable 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?

BILL OF THE WEEK - 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!

Lightning Round

Debt 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 savings
  • Jen- 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 Fern

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!

May 29, 2020
How to Maintain a Minimalist Lifestyle
2847

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: 

  • YOUR AD HERE. 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/pcap
    • 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 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.
  • 1st Birthdays! 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.

Our 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 minimalism

Notable Notes:

What the Internet has to say:

What Jen+Jill have to say:

  • Continue to explore new opportunities + intentional living so as to not fall into old patterns
  • Take better care of your things
  • Volunteer!
  • Start a blog
  • Give
  • Start a daily habit

More from the Internet:

  • This article from
May 22, 2020
Smart + Frugal Banking | Best Online Banks + How to Choose One
2653

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: 

  • Current: 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.
  • Being Uncomfortable: 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!

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 bank

What Jen + Jill have to say:

Consider the following:

  1. What is your current financial situation?
  2. What are your current banking habits?
  3. What do you anticipate your future needs to be?

Put your money in one of the following:

  1. Traditional, brick and mortar bank: great for getting lots of financial products, interact with tellers, great for depositing  cash, access to ATM's
  2. Online 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 accounts
  3. Credit Union: non-profit, member-owned organizations, lots of financial products

Pay 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 rates
  • Minimum balances, services fees, overdraft fees, etc.
  • ATM fees
  • ATM location

More from the Internet:

This article is from The Balance and provides a list of the best no-fee checking accounts for 2020

More from Jen + Jill:

What makes for a good checking account:

  • minimal fees
  • deposit insurance
  • easy access to cash
  • mobile deposit
  • online bill pay

Recommended Banks:

  • Ally - high yield savings and checking, don't need high balance to get good APY
  • Discover - can earn cash back rewards with debit card
  • Radius - also provides rewards for debit card use
  • Simple - has a great (free!) app for budgeting and money management
  • Schwabb - unlimited rebates on ATM fees, high yield investor checking account (great for traveling internationally)

&

May 15, 2020
Paying off Debt in Your Forties w/ Bobbi Olson
2889

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: 

  • Current: 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.
  • 31: 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.

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?

BILL OF THE WEEK - Thank you Bobbi for sharing your bill with us!

Lightning Round:

Our favorite budgeting apps/ methods

Get more from Bobbi at Centsable Chat podcast and blog

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!

May 08, 2020
Frugality 101
3636

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:

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, try Current because we’re giving $10 to the first 10 people who sign up using our promo code FRUGALFRIENDS for each episode. 

Reruns: 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.

Notable Notes:

1: 4 Pillars - Categories to anticipate with Frugal Friends podcast episodes

  • Clothing/Shopping
  • Bills/Utilities
  • Transportation
  • Housing
  • What the internet has to say

2: Frugalwoods Article

  • Mrs. 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 priorities
  • Frugality builds community
  • Frugality means you'll never be bored
  • Frugality leads to gratitude and joy

3: Millennial Money Article

  • Grant 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 wisely
  • Frugality is about the journey, not the destination
  • It 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: 570-995-1540

5: 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!

May 01, 2020
How To Make Ends Meet Without Getting a Side Hustle
2374

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: FRUGALFRIENDS for each episode.
  • Online courses that don’t cost a lot and actually help people: 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.

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 disaster

What 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 budget

More from Jen + Jill:

  • 1. Fine tune your budget - you may feel there’s no wiggle room - but look again!
  • 2. Stick with the basics
  • 4. Downsize your life - you may not even realize how much stuff you have!
  • 5. Don’t utilize credit
  • 6. Shop outside the box - farmers markets, dollar stores, thrift stores for essentials
  • 10. Plan for the big picture

BILL OF THE WEEK - 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 been

Lightning Round -

How to spend your stimulus check:

  • Your 4 walls: food, housing, utilities, Netflix
  • Emergency fund: $500 to $15,000
  • High interest debt
  • Give it away: neighbors, local charities, local businesses

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

Apr 24, 2020
Husbands Tell All: Our 2 Year Anniversary Celebration
3370

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: 

  • Empower: 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 goal
  • The Better Half: 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.

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!

Lightning Round

Best Frugal Tips

  • Travis - find someone who can align with financial approach
  • Eric - 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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Apr 17, 2020
How to Live a Zero Waste Lifestyle Frugally
3390

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: 

  • Empower: 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 goal
  • Earth Day! 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.

Notable Notes:

What the Internet has to say:

This article from Hestia Speaks provides tips for sustainable living on budget

What 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 ingredients
    • Base your meals around 3 veggies instead of 5!
  • When you DO buy new...spend on high quality
  • Grow indoor herbs
  • Make a meal plan
  • Simplify your use of non-food products
  • Choose secondhand first
    • frugalfriendspodcast.com/thredup
  • Host a swap party

More from the Internet

This article from Going Zero Waste describes 12 things you can STOP buying when you decrease your waste and consumption

More 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 cleaners
    • American family spends on cleaning supplies. Anywhere from $300-800 a year

BILL OF THE WEEK - Thanks Andy Hill from Marriage, Kids, and Money podcast! We love your bill about kids summer camps ;)

Lightning Round

Our Favorite Frugal Zero-Waste Swaps

  • Jill- water filter (and reusable bottle) + food creativity (i’m no pro but I have a few tricks up my sleeve :))
  • Jen- glass containers
  • Jill- learn simple sewing skillz (I’ve saved plenty of clothing, purses, blankets, etc. by doing my own mending)
  • Jen- convenience food

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 c


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Apr 10, 2020
Financial Tips When Money Is Tight
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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: 

  • Empower: 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 goal
  • Tight Squeeze: 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 thing

Notable Notes:

What the Internet has to say:

This article from Investopedia highlights a few simple ways we can prepare for a financial crisis

What Jen+Jill have to say:

  • 1. Maximize liquid cash
  • 2. 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 Bills
  • 5. 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 cash
  • 10. Keep up with routine maintenance

More from the Internet:

This article from Very Well Mind gives tangible tips on ways to manage our stress and emotions during financially stressful times

More from Jen+Jill:

  • Remain calm
  • Ask for help- friends and family, financial planner
  • Reframe the situation - watch the internal narrative and find ways to shift perspective
  • Pushing through the difficulty and identifying ‘kindness’ to invest emotional time and energy into
  • Take a break - strike the middle ground between ruminating/obsessing and abdicating/avoiding
  • Ask for help- find a mental health professional, especially if your stress, overwhelm, or feelings of anxiety are inhibiting daily activities
    • Use this code for a discount for online therapy

BILL OF THE WEEK - Thank you Jess for saving us with your bill about ALL the Bill's who have contributed to making St. Pete Florida so great!

Lightning Round:

 What


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Apr 03, 2020
Tips for Being More Intentional with your Finances w/Alyssa from Mixed Up Money
2207

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: 

  • Empower: 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 goal
  • Dalmatians: 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.

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!

  1. Create a goal that is specific and achievable 
  2. Track your spending
  3. Save money each week
  4. Reflect on behaviors and habits

BILL OF THE WEEK - Thanks for sharing your bill with us Alyssa! 

Lightning Round

Why we value putting pencil to paper with our finances:

  • Alyssa - accountability; opportunity to look at bad AND celebrate success
  • Jen - like the tangible; breeds intentionality
  • Jill - enjoy walking through a process

Get more from Alyssa at MIxed Up Money! AND...

Mar 27, 2020
How to Maintain 100% Effort on Your Financial Journey
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Mar 20, 2020
Frugality In Times Of Crisis
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Mar 16, 2020
Contentment, Gratitude, + Flexible Minimalism within Frugality
2875

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!

Mar 13, 2020
How to Save Money While Raising Young Children w/ Caroline Vencil
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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!

Mar 06, 2020
How to Transition from Spender to Saver
2797

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!

Click here for full show notes!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Feb 28, 2020
What Insurances You Need To Be Paying For
2224

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Feb 21, 2020
Paying off $105K of debt in 35 Months w/ Kate from Living That Debt Free Life
2678

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!

Feb 14, 2020
Retirement 101 | Everything Frugal People Need to Know About Saving For Retirement
3470

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!

Feb 07, 2020
Frugal Self Care | Finding Peace without Breaking Your Budget
3476

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jan 31, 2020
Reducing Food Waste w/Debt Kickin' Mom
3902

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jan 24, 2020
Effective Goal Setting
2779

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!

Jan 17, 2020
How to Save Money on Transportation Costs
3796

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jan 10, 2020
89: Letting Go of Material Possessions to Save Money w/ Desirae Endres
3186

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!

Jan 03, 2020
Budgeting On An Irregular Income
2419

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Dec 27, 2019
How to Have Healthy Conversations About Money | Create Healthy Financial Boundaries
3578

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Dec 20, 2019
Having Money Conversations With Kids w/ Bobbi Rebell
2811

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!

Dec 13, 2019
Side Hustles for People Short on Time
2858

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Dec 06, 2019
Entertaining and Get-Togethers on a Budget
3015

'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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Nov 29, 2019
Goal Setting For Financial Success w/ Brian from SAVVI Financial
3718

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!

Nov 22, 2019
Why You Can’t Finish Paying Off Your Debt | How to Stick With the Debt Free Journey
3212

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!

Nov 15, 2019
Our Favorite Money Making + Saving Apps
3262

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Nov 08, 2019
How To Get Other People To Pay Your Mortgage w/ Craig Curelop
2433

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Nov 01, 2019
Our Favorite Frugal Food Blogs + Recipes
2279

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 25, 2019
Save Money by Living in an RV | Motorhome Living For Minimalism & Frugality
3208

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!

Oct 18, 2019
Money Myths That Are Holding You Back w/ Rob Berger
3468

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 11, 2019
Frugality 101 | Live from #FinCon19 BONUS
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Oct 08, 2019
Ask Us Anything LIVE from #FinCon2019
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 04, 2019
What do the Frugal Friends like to spend money on? | Live from #FinCon19 BONUS
469

Watch the video on Youtube! 


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 02, 2019
How to Start a Cook at Home Challenge This Month!
2697

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Sep 27, 2019
How to Pay off Debt on a Single Income w/ Budget Girl Sarah Wilson
2705

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!

Sep 20, 2019
Our Biggest Frugal Fails | Live from #FinCon19 BONUS
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Sep 17, 2019
Financial Independence Through Frugality | The Frugal FIRE Movement
3197

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Sep 13, 2019
How the Frugal Friends Met | Live From #FinCon19 BONUS
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Check out the video over on YouTube so you can finally figure out which one is Jen and which is Jill :)

Sep 11, 2019
How to Start a Frugal Side Hustle Flipping Furniture & Used Goods
2595

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!

Sep 06, 2019
Travel Hacking w/ Lee Huffman | Maximizing Travel Rewards for Beginners
3223

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Aug 30, 2019
Grocery Store Sale Cycles to Know About
2460

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!

Aug 23, 2019
Create A Fulfilling Minimalist Lifestyle | Incorporating Minimalism into Your Schedule
2410

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!

Aug 16, 2019
Front Loading Your Life w/ Robert Farrington of The College Investor | A Frugal Alternative to FI/RE
2704

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!

Aug 09, 2019
When Buying a House is the Frugal Move | Should You Buy or Rent a Home?
2953

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!

Aug 02, 2019
Tips to Avoid Overspending on Back to School
2616

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jul 26, 2019
Getting Into & Paying off Over $27K of Credit Card Debt w/ Chris Browning of Popcorn Finance
2931

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!

Jul 19, 2019
How To Use Cash Envelopes Effectively | Cash Envelope System 101
3098

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!

Jul 12, 2019
How to Get Your Spouse on Board with Frugality
2333

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:

Rakuten: 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/rakuten

Discounted Fireworks: 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.

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 conversation
  • Watch your tone; this can set the trajectory of the conversation. Avoid sounding condescending. overly frustrated, or unwilling to listen to the other side

More 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 example
  • Set a regular time to talk
  • Give it time
  • Ask for help
  • Give each other ‘free spend’ $

BILL OF THE WEEK - Thanks Lisa for sharing about paying down your car payment with double payments! We're so excited for you and your gazelle like fierceness!

Lightning Round

How to Ensure Your Spouse will Hate Frugality & You

  • Take 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.


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jul 05, 2019
Talking About Your Parents' Finances w/ Cameron Huddleston
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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:

Master Your Money Super Bundle: 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/masteryourmoney

Rolls: 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!

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!

Lightning Round

  • When we see parents blowing through money or not being responsible with it but refuse to change, what do we do in that scenario?
  1. Avoid criticism 
  2. Share tips that have worked for YOU
  3. Prepare financially to support OR prepare emotionally to say ‘no’ to financial support
  • If we have siblings, how can we get them involved in this process?
  1. Have conversation
  2. Accountability - send updates to siblings
  3. Share the burden - if you handle bills - let siblings do care-giving
  • Do you have any tips for young parents on creating safety for these conversations with our own children?
  1. Beginning making it safe to talk about finances from a young age
  2. Share in age appropriate ways about finances

To 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 club

  • If 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!

Jun 28, 2019
How To Achieve Digital Minimalism & Declutter Your Online Life
3275

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!

Jun 21, 2019
Frugal Summer Fun | Free Ways to Have Fun in the Good Weather
2646

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jun 14, 2019
Creating Soulful Simplicity In Your Life With Courtney Carver
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jun 07, 2019
Building a Frugal Culture in Your Community
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

May 31, 2019
When NOT to be Frugal | Prioritizing Value Over Cheapness
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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
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Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

May 24, 2019
Saving For Kids' College w/ Abby Chao from CollegeBacker | Is a 529 Plan Right for You?
2658

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

May 17, 2019
What To Do When You Feel Like Giving Up | Staying Motivated While Paying off Debt
2976

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

May 10, 2019
Frugal Hobbies: What To Do With The Free Time That Not-Spending Frees Up
3101

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!


May 03, 2019
Balancing Paying Off Debt and Thinking about the Future with Erin Lowry
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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!

Apr 26, 2019
Maximize Yard Sale Shopping + ONE YEAR! | Garage Sale Shopping Tips
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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!

Apr 19, 2019
Homesteading Tips for City Dwellers | Frugal Urban Sustainability
3058

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!

Apr 12, 2019
The Truth About Student Loan Forgiveness w/ Travis Hornsby
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Apr 05, 2019
How to Save Money on Weddings - Part 2: Reception & Honeymoon
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Mar 29, 2019
Frugal is the New Green: Why Frugality is Environmentally Friendly
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Mar 22, 2019
Creating a Capsule Pantry with Kristin Marr | How to Maintain a Minimalist Kitchen on a Budget
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Mar 15, 2019
Warehouse Clubs: How to Save & Whether They're Right for You
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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!

Mar 08, 2019
Negotiating Tips for Lowering Bills, Prices, & Rates
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Mar 01, 2019
Frugal Pregnancy & Parenting with THE Mrs. Frugalwoods | Saving Money on Baby The Smart Way
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Feb 22, 2019
DIY Cleaning Products: Do's & Don'ts | Save Money While Staying Clean (& Safe!)
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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!

Feb 15, 2019
Personal Finance Basics | What You Need to Understand & Care About to Thrive Financially
2725

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Feb 08, 2019
The Tenacity & Frugality it Takes to Pay off Your Mortgage w/ Andy Hill
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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!

Feb 01, 2019
How a No-Spend Month Can Help You Be More Frugal
3092

Click here for full show notes!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jan 25, 2019
Couponing for Extremely Normal People | How to Coupon Without Being Extreme
3046

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!

Jan 18, 2019
Frugal Fitness with Amanda Walker from Feel Amazing Naked | The Best Ways to Workout For Free!
2994

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!

Jan 11, 2019
How to Use the KonMari Method to DeClutter Efficiently and Frugally
3298

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!

Jan 04, 2019
Minimalist Budgeting | Why Frugal People Still Need a Budget & How To Do Yours
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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!

Dec 28, 2018
Modifying the Dave Ramsey Baby Steps to Pay Off Debt with Merilee of Easy Budget
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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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Dec 21, 2018
Free & Easy Gift Ideas | Last Minute Gifts For Frugal Gifters
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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!

Dec 14, 2018
Frugal Christmas Fun | Free Holiday Activities For More Frugal Traditions
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'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!

Dec 07, 2018
The Meaning in Minimalism With Joshua Becker | How Becoming Minimalist Can Change Your Life
2777

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!

Nov 30, 2018
How to Get Everything For Free | Buy Nothing Groups, Time Banks, & Craigslist, Oh My!
3280

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!

Nov 23, 2018
Black Friday - Does it Save You Money?
2592

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!

Nov 16, 2018
Investing for Frugal Folks with Andrew Wang from Inspired Money | Low-Cost Investing for Beginners
3592

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Nov 09, 2018
All The Free Things Libraries Have to Offer & How to Optimize Your Library Usage
2625

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Nov 02, 2018
Pawn Shops are a Frugal Gem | The Do's & Don't of the Pawn Shop
2536

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 26, 2018
Frugal Cooking & Meal Prep Tips With Jess Dang of Cook Smarts
3218

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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 19, 2018
Frugal Beauty | All-Natural & Affordable Beauty and Skincare Products
3130
Oct 12, 2018
Side Hustles | Side Gigs That Are Affordable to Start & Not a Waste of Your Time
3216

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:

  • CookSmarts: 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
  • Time Management: 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!

Notable Notes: 

  • What the Internet has to say:
    • This article from Market Watch gives the most (and least) lucrative side hustles. 
  • What Jen and Jill have 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 instead
    • Biggest key is ENJOYING your side hustle
    • A few resources for getting your feet wet with a side hustle include:
      • TaskRabbit allows users to advertise skills like building furniture or moving boxes
      • Fiverr connects people with freelance work such as resume writing or translation starting at $5 per job
      • Wag! is for dog-walkers and takes a cut of the fee pet owners pay
  • More from the Internet
  • More from Jen and Jill
    • Nearly 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 VIPkid

BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

Our side hustle experience:

  • Jen -airbnb, amazon - selling t-shirts, self publishing, online data entr


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Oct 05, 2018
DIY Home Maintenance Tips | What to Youtube & What to Leave to the Professionals
2591

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: 

  • CookSmarts: 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 
  • Duct Tape: 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.

Notable Notes: 

  • What the Internet has to say:
    • 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 Jen and Jill have 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 the Internet has 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 Jen and Jill have 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 tools
    • Cheapskate 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!

BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

  • Thank 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 work
  • Garage door repair


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Sep 28, 2018
The Life-Changing Magic of a Shopping Ban with Cait Flanders
3683

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: 

  • CookSmarts - 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. 
  • Nothing - buy nothing, spend nothing. nothing. try it out!

Notable 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.


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Sep 21, 2018
Frugal Date Ideas | Free and Cheap Dates to Take Yourself (or Loved One) On
3522

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: 

  • Love: 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.

Notable Notes: 

  • What the Internet has to say: 
    • This article from StyleCaster brings us 31 FREE date ideas. 
  • What Jen and Jill have 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 the Internet has to say:
  • What Jen and Jill have 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!

BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

  • Thanks 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 mind
  • Work on a project together, or volunteer together
  • Combine 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.) 
Sep 14, 2018
Minimalism & Frugality | Do You Have to be a Minimalist to be Frugal?
3850

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: 

  • Splitting Meals: 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.

Notable Notes:

  • What the Internet has to say:
    • This article from The Minimalists explains what minimalism is and what it is not. 
  • What Jen and Jill have 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 frugality
    • Minimalism 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 the Internet has to say:
    • This article from Reader's Digest gives a list of 12 things minimalists wish we would all stop spending money on. 
  • What Jen and Jill have 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'!

BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill

  • Thank you MK! Our life song!! an amazing throw back, and connection to this segment. You are a genius! 

Personal & Community - What we have to say about minimalism

  • 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!


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Sep 07, 2018
What Comes After Debt Free? | Prioritizing Goals & Finding Financial Independence
3352

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 & Community

 

Aug 31, 2018
Allison from Inspired Budget on Paying off $111,000 of Debt While Starting a Family
3839

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 off
    • Ways 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 journey
    • What comes after the big debt pay-off, and ways to set goals with your spouse and kids

BILL 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.com

Want more from the Frugal Friends?!

We are starting The Frugal Friends Book Club! And you could win a copy of the book!

  • We’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

 

 

Aug 24, 2018
Finding Your "Why" For Frugality | Don't be Frugal for Frugal's Sake
3325

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.com
  • The 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 retirement
    • changes our perspective entirely on nearly everything!

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 sustainable

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

  • 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 joy
  • Shaana 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 more
  • Alexandra 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 entrepreneur

In 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.com
  • We’ll select the winners on August 31st.

 

 

Aug 17, 2018
Meal Planning On A Budget | Intro to Meal Prepping, Planning & What to do When You Just Can't
3535

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 entertainment

Podcast Crafter - Check them out and hire them for all your podcast needs! Podcastcrafter.com

Notable Notes

  • What the Internet has to say:
    • This 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 Jen and Jill have 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 cooked
    • Make a master ingredient list on your phone or tablet to know what you have in stock, and what to purchase when out
    • Use 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!

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

  • Jen
    • Have a template, such as 1 asian meal, 1 mexican, 1 slow cooker meal, etc. 
    • Cultivate a love for leftovers - it's frugal :)
  • Jill
    • Keep 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 routine
  • Check 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 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.

YOU COULD WIN! For every 5 reviews we receive 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

We’ll select the winners on August 31st!

Aug 10, 2018
How to Save Money on Home Decor | Create a Space You Love & Decorate Your Home For Less
3963

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!

Podcast 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! podcastcrafter.com

Notable Notes

  • What 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!

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 
    • 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:
Aug 03, 2018
Paying Off $133,763 of Debt with Amanda from Debt Free in Sunny CA
2664

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 Notes

Amanda 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.com

Thanks 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.

 

Jul 27, 2018
How To Save on Student Loans | Student Loan Forgiveness, Refinancing, & Paying off Student Loans
3823

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 Notes

What 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 efficiently
  • Bonus 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.com

Sponsors

Podcast Crafter - check them out for all your podcasting needs! podcastcrafter.com

Time - want to pay off your student loans? It just takes TIME (and money) :)

 

 


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jul 20, 2018
How to Save Money On Healthcare | Health Insurance, Healthcare Sharing, & Preventative Care That Counts
3720

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.

Sponsors

  • podcastcrafter.com - incredible podcast production services - check 'em out!
  • beans and rice - the frugal dinner

Notable Notes

  • What the internet has to say:
    • This 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.
    • What Jen and Jill have to say:
      • 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 this
      • We like tip #4 about finding alternative insurance. Some options include: Farm Bureau Financial Services, Medi-Share
      • We 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 procedures
    • 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!
    • What Jen and Jill have to say:
      • 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!!

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:

  • Jen
    • 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 HSAs
    • Utilize Groupon for teeth cleanings, 
    • Mystery shop for teeth cleaning and eye exams through A Closer Look
    • Shop for contacts through Ebates
    • Acupuncture for preventative care; check out


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jul 13, 2018
How To Save Money on Travel | Frugal Hotel Stays, Spending Less on Food, & Should You Vacation While in Debt?
2922

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 it
  • podcastcrafter.com For all your podcasting needs! Check them out!

Notable Notes:

What the internet has to say

  • This 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: 
  • 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 out
    • you don’t need rental car insurance
    • do a cost analysis on staying outside of the city and getting a rental car/ commuting vs staying within
    • check 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:


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jul 06, 2018
Save Money on Car Expenses | Car Payments, Used vs New, & DIY Car Maintenance
3301

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:

BILL OF THE WEEK- Thanks Hannah from Souderton, PA for your awesome Bill of the Week!! We did not know this about duck bills!

If you want to submit your bill of the week visit frugalfriendspodcast.com/bill 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!
  • Buying quality used cars in cash has been the best system for us!

Sponsors: 

Budgeting - do it!


Jun 29, 2018
Overcoming Your Financial Upbringing with Joel Larsgaard
2735

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 Notes

We 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.com

Thanks 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.

 


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jun 22, 2018
Spend Less at Restaurants (Because Eating Out Is Still Allowed While You Pay off Debt)
3361

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 Notes

  • What the internet has to say
    • Eat This Article
    • This 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! 
      • What Jen and Jill have to say
        • Avoid tips, and supplement with food at home by taking it 'to-go'
        • Ask about status discounts (teacher, law enforcement, military, etc.)
        • Split/share meals
        • HAPPY HOURS!
        • Don't show up starving - eat a snack
        • Jen's rant about not asking your server for free food
    • The Simple Dollar Article
    • 15 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.
      • What Jen and Jill have to say
        • Utilize discounted gift cards through sites like Gift Card Granny
          • Jill's warning about 'tip tolerance' on gift cards; check out more HERE
        • Check for coupons through sites like Valpak
        • Consider going to restaurants that offer free appetizers (bread, chips, etc)
        • Portion control :)

BILL OF THE WEEK- If you want to submit your 'Bill of the Week'  call our Google Voicemail at 570-995-1540

Jen and Jills favorite tips for dining out

ALSO, check out Jen's book (mentioned in the show) Meal Planning on a Budget

Jun 15, 2018
How to Save Money on Flights (Hint: Incognito Windows are Your Friend!)
2853

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 Notes

  • What the internet has to say
    • Thrifty Nomad Article
    • In 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! 
      • What Jen and Jill have to say
        • Use an incognito window when searching flights
        • Befriend budget airlines (Allegiant, Frontier, Spirit - they aren't so bad!)
        • Utilize websites like Airfare Watchdog to score cheap flights
    • Thrillest Article
    • Sophie-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! 
      • What Jen and Jill have to say
        • 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!
  • Jen and Jill's favorite tips for saving on flights 


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Jun 08, 2018
How to Save Money on a Wedding When You Like to Party (Part 1!)
3352

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 Notes

  • What the Internet has to say
    • BuzzFeed Article
    • Rachel outlines 33 ways to save money on your wedding. Tips on everything from day of the week, to choosing the right vendors are covered. 
      • What Jen and Jill have to say
        • Jen likes #4 outside vendors, and #15 venues with visual appeal
        • Jill disagrees on #2 - 'taking your time'
    • Woman Getting Married Article
    • Jen Goldenburg takes a close look at wedding dresses, and shares 5 ways to save money on this important element. 
      • What Jen and Jill have to say
        • 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] 
  • Most Expensive Parts of A Wedding - What the Frugal Friends did
    • Venue
      • Jen - a shuffle board court!
      • Jill - cheapest church in town that could seat 300!
    • Rings
      • Jen - Pawn Shop Haggling
      • Jill - Antique/Consignment store
    • Photographer
      • Jen - Friends!
      • Jill - Budding photographer friend using wedding to build portfolio and brother-in-law for second shooter
    • Flowers
      • Jen - Did not buy many flowers - she thought the shuffle board court was beautiful enough!
      • Jill - Eric picked her flowers day of the wedding
  • BILL OF THE WEEK
  • Wedding Freebies
Jun 01, 2018
How to Save Money on Bills (Plugs, Internet, and Cell Phones, Oh my!)
2878

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 Notes

  • What the internet has to say
    • Lauren Greutman Article
    • Lauren shares 15 ways to reduce utility costs and covers everything from washer/dryer tricks to negotiating with your electric provider. 
      • What Jen and Jill have to say
        • Doing chores that involve electricity at night may mean paying a lower utility rate - check with your provider
        • Rotating 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 HERE
        • Switch to LED bulbs for reduced electrical costs 
          • 2700 Kelvin Color Temperature is the equivalent to a soft white incandescent
          • Here's a 'nerding out' article on light bulbs
    • The Simple Dollar Article
    • Trent 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. 
      • What Jen and Jill have to say
        • 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.
  • Ways we save money and what’s worth spending on
    • 1. Shop around and call every few months for a better deal - this works particularly with cell phone and cable service providers
    • 2. Reduce use - identify ways to cut back on TV spending, don't use the dryer for the full cycle, etc.
    • 3. Pay off debt - this IS worth spending money on! Freedom awaits!
  • Frugal Fail
    • Jen shares her internet/phone service fail
  • BILL OF THE WEEK!
    • Call us at 570-995-1540 and leave a voicemail!
    • Share your bill of the week and be featured on our podcast!

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)


 

 


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

May 25, 2018
Save Money on Housing with House Hacks
3485

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 Notes

  • The Case for Renting
    • What the Internet has to say 
      • Market Watch Article
      • Jacob 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. 
        • What Jen and Jill have to say
          • 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.
  • Alternative Housing
      • Jill shares on her journey of renting inexpensively, living in an RV, house-sitting, and living with grandma!
  • Ready to Buy
    • Things to Remember
      • 1) 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.
    • What the Internet has to say
      • Coach Carson Article
      • Chad 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'. 
        • What Jen and Jill have to say
          • 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 Airbnb

  • The Case Against a Commute


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

May 18, 2018
Save Money on Healthy Food
3139

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 Notes

  • What the internet has to say
    • Root and Revel Article
    • In 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. 
      • What Jen and Jill have to say
        • Buy food, use food
        • Reduce animal product consumption
        • Disagree with meal kit delivery service one
        • Drink water! It's good for you!
    • Sustainable Baby Steps Article
    • This 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. 
      • What Jen and Jill have to say
        • Sustainable baby steps show you save money with whole foods but you pay in time
        • The 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 way
  • The Organic Debate
  • BILL OF THE WEEK 
  • Wrap Up
    • 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 perfect


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

May 11, 2018
How to Spend Less on Clothing
3475

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:

  • What the internet has to say
    • Penny Hoarder Article
      • The article shares 20 ways to save money on clothes. Tips include saving, spending intentionally, and even preserving and properly washing clothing.
      • What Jen and Jill have to say
        • Thrift stores - YES!
        • Hang dry clothing - Frugal Friends call this a 'two birds, one stone' situation; preserve clothes, AND save on utility costs
        • Compartments in the washing machine explained HERE
        • Dry Clean at home 
    • Money Talks Article
      • Angela 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!
      • What Jen and Jill have to say
        • Buy out of season 
        • Skip expensive workout clothes
        • Organize a clothing swap with friends - another 'two birds, one stone' scenario; hanging out with friends AND getting 'new to you' clothing!
  • How Jen and Jill save money on clothes
    • Jen - buying quality, buying out of season, referral programs
    • Jill - thrift stores, mending, and swapping
  • What Jen and Jill WILL spend money on
    • underwear (the line has to be drawn somewhere!)
    • staple shoes (i.e. boots, quality sandals)
    • coats (out of season is still best!)
  • BILL OF THE WEEK 
    • Thanks Lisa! The Frugal Friends think 'Bill' the dog sounds like a real gem!
  • Wrap Up
    • Challenge yourself to not spend money on clothes
    • Clothing swap with friends
    • If you have kids, clothes swap with other parents
    • Utilize referral programs - ThredUp & Schoola
May 04, 2018
Save Money & Spend Intentionally Without Being Cheap
3208

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:

  • 4 Pillars - Categories to anticipate with Frugal Friends podcast episodes 
    • Clothing/Shopping
    • Bills/Utilities
    • Transportation
    • Housing
  • What the internet has to say
    • Frugalwoods Article
      • Mrs. 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 priorities
        • Frugality builds community
        • Frugality means you'll never be bored
        • Frugality leads to gratitude and joy
    • Millennial Money Article
      • Grant 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 wisely
        • Frugality is about the journey, not the destination
        • It is never too late to 'course correct'
  • BILL OF THE WEEK 
    • Introduction of the most anticipated, interactive segment!
    • Leave us a voicemail with your BILL OF THE WEEK at: 570-995-1540
  • 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 its 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)
  • #frugalnotcheap


Club BFF is open for new members but only for this week! Our next challenge is a 45-day habit challenge so if you want to refine your spending habits, find an accountability partner or group, and surround yourself with a like-minded community on your financial goal journey head to https://www.frugalfriendspodcast.com/bff to learn more and join us. Don’t wait, doors close Oct 24th.

Apr 27, 2018
Frugal Friends Trailer
67

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 Frugal Friends Podcast 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 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.

Apr 20, 2018