Frugal Friends Podcast

Extra jobs, gigs, supplemental income, passive income - however you want to define - we're all talking the same thing: side hustles. While it's not necessary to have a side hustle to be frugal, they can certainly help in the "debt-pay-off-and-other-financial-goals" journey! In this episode we look at the most (and least) lucrative side hustles, discuss realistic expectations, things to consider when taking on extra work, and our own experiences with side hustles. Having more money would be great, but how do we do this with the least amount of time investment, and the highest financial return? Listen in!Sponsors: frugalfriendspodcast.com/csCookSmarts: Not an official sponsor, but we like them! It’s a meal planning service that provides recipes, instructions, weekend prep options, and a shopping list for 4 meals per week, with dietary adjustments to meet your needs. They are offering 3 free weeks of meal plans if you sign up at We all only get 24 hours in a day, but planning how to spend those hours is the difference between getting nothing done and getting something done. It’s the best way to feel accomplished - and make room for that amazing side hustle! Time management. If you didn’t learn it when you were 10, try it now!Time Management: Notable Notes: This article from Market Watch gives the most (and least) lucrative side hustles. What the Internet has to say: We agree with selling/renting property as the most lucrative side-hustle. Jen has had great success with renting a room in her home on Airbnb, it is not a big time commitment but provides a great payoff! Selling crafts is so labor intensive, with such low financial return that you might as well get a part time job at Trader Joe’s 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 What Jen and Jill have to say: This article from Side Hustle Nation lists a comprehensive 99 side hustle ideas. More from the Internet 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 More from Jen and Jill frugalfriendspodcast.com/billBILL OF THE WEEK - If you want to submit your bill of the week visit to leave us a billOur side hustle experience: -airbnb, amazon - selling t-shirts, self publishing, online data entryJen - custom furniture, painting, cleaning, bartending/serving private events, DJ-ing, flips of vehicles, yard sales (online and in person) Jill Thank you so much for hanging out with us today! Hit the subscribe button wherever you’re listening to this episode and we’ll come at you every Friday with more frugal goodness. Until next week!See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keeping up with repairs and maintenance of our homes can be costly! And the issues always arise at the worst possible times! Today we look at what the internet has to say about economical ways to tackle home repair projects, while also sharing our personal experience. We even discuss the ‘tools’ every home should have. No matter your level of ‘handiness’, frugality can intervene.Sponsors: Not an official sponsor, but we like them! It’s a meal planning service that provides recipes, instructions, weekend prep options, and a shopping list for 4 meals per week, with dietary adjustments to meet your needs. They are offering 3 free weeks of meal plans if you sign up at frugalfriendspodcast.com/cs CookSmarts: Not the brand, just the tape. Need a dress to wear out on the town? Make it out of duct tape. Broken pipe? Duct tape. Broken door knob? Duct tape. The most versatile maintenance and fashion product on the market.Duct Tape: Notable Notes: This article from life hacker lists common home repairs that most people could tackle themselves. From clogged garbage disposals to jammed windows, they provide a pep talk convincing you that you’re capable along with video links to show you how!What the Internet has to say: We like this list because these are our most common problems! Finding video tutorials for the issue you are experiencing is the best way to cut costs on repairs. Oftentimes it is very possible to fix minor issues yourself! What Jen and Jill have to say: This article, also from life hacker, provides a guide on building a toolbox to meet your home maintenance needs. From basic to pro, there are some great suggestions!What the Internet has to say: Our biggest take-away is organization! DIY repairs and home maintenance will seem all the more overwhelming if you can’t find your tools - and definitely not cost effective if you end up just buying new every time! Tools we like = duct tape, lighter fluid (ok, maybe that’s not a tool), hammer, POWER DRILL! Tools we laugh at = level We agree with the list of ‘non-essentials’ but helpful items including: safety goggles, work gloves, rags, pencil, superglue, and WD-40. Pawn shops are great for finding cheap 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! What Jen and Jill have to say: BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billThank you Leah for your bill of the week! Thanks for sharing your savvy genius!Bonus Internet Find:This article from Hub Your Home lists projects you should NOT tackle yourself. Call in the professionals for these! Know your limit and learn from the show ‘home improvements’ - it will only benefit your relationship with housemates! Electrical work Garage door repair Roof repair Tree removal Crown molding Thank you so much for hanging out with us today! Hit the subscribe button wherever you’re listening to this episode and we’ll come at you every Friday with more frugal goodness. Until next week! See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We are so excited to have Cait Flanders, author of "The Year of Less", on the podcast today! Cait underwent a two-year shopping ban that changed not just her finances, but her life. Cait is here on the podcast to tell us more about her experience, and give tips to others considering a lifestyle change. Sponsors: - not an official sponsor, but we are big fans! It’s a meal planning service that provides 4 meals per week and they have regular, gluten-free, paleo, and vegetarian versions AND they’re offering 3 free meal plans and 20% off paid meal plans through Sept 26th (with more sales in the coming months). Nobody should say no to 3 free meal plans so head to frugalfriendspodcast.com/cs. If you do make a purchase you’ll help support the podcast. CookSmarts - buy nothing, spend nothing. nothing. try it out!Nothing 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.See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We all want to enjoy quality time with our significant other, but how can we do this on a budget?! Today we’re talking about nurturing our relationships and our bank accounts. We search the internet, and discuss our own tips on getting out (or staying in!) to enjoy fun and memorable dates with your love!Sponsors: If you’re married or in a relationship or a human being you want love. Remember, you can’t buy me love but you can buy me a financial future that will ensure I stay with you until death do us part.Love: Notable Notes: This article from StyleCaster brings us 31 FREE date ideas. What the Internet has to say: We like tip #8, which is enjoying a beach day - this can be done inexpensively and even in land-locked areas by finding a nearby lake with a bit of nice shoreline! Tip #13 recommends visiting an open house, which we definitely think is a fun way to spend an afternoon. Jill has taken this a step further to recommend boat and RV show rooms :) We agree with tip #25 which recommends playing old school video games - even those least interested in video games can get on board with pacman!! One of our favorite ideas was #5 which is geocaching - the adult (but still child friendly) version of a treasure hunt! PLUS this is how Travis proposed to Jen!! (aww ;)) We don't recommend #15 Messy Twister - unless chocolate is involved. What Jen and Jill have to say: This article from The Krazy Coupon Lady lists 23 cheap and free date ideas. What the Internet has to say: We like that this article listed frugal date ideas in addition to free date ideas - there should be money in the budget to go out, but we certainly do not always need to spend top dollar! #5 cook together - we agree that this can be a great way to bond, create a new experience, and work side by side. We like idea #14 which gives ideas on getting cheap tickets to local sporting events. Because there's so much baseball (Plus minor leagues!) We love that this article recommends playing together, Tip #21 suggests playing outside - we like frisbee, badmitton, volleyball, or simply playing 'catch'! Check out tip #4 which recommends groupon for purchasing couples massages - this is a great way for a luxury date on a budget! #16 go to a 'you-pick' farm - look into farms in your area allowing you to pick and pay for what you have harvested. This is a nice "two for one" date in that you can enjoy time at the farm, AND go home and make something with your bounty! What Jen and Jill have to say: BILL OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billThanks so much Jenna for sharing your frugal tips! We love to learn new ways to save on gym costs - and what a great date idea to do a yoga class with your significant other!General Rules to Live by and Other frugal date ideas: Invest in something small that will provide multiple enjoyable and memorable dates (i.e. small motorized raft for a summer-times worth of boating and picnics!) Explore yard sales and thrift stores together, with a set spending limit in 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.) See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode we’re talking about minimalism and it’s part in frugality. You don’t have to be a minimalist to be frugal - but you might find that as you buy less and place less value in stuff you cultivate your own definition of minimalism.Sponsors: Do you like to go out to eat but hate seeing the bill at the end of your dining? Take a friend - split your meal! Furthermore- would you like to practice portion control, and experience the frugal benefits of your clothes continuing to fit you year after year? Split your meal! It’s the original stomach shrinking, wallet preserving technique. Try it out. Meal splitting.Splitting Meals:Notable Notes: This article from The Minimalists explains what minimalism is and what it is not. What the Internet has to say: We like that minimalism can help you afford higher quality things by buying buying fewer things There is often freedom in the form of greater emotional, mental, and relational capacity as a result of pursuing minimalism and 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 Jen and Jill have to say: This article from Reader's Digest gives a list of 12 things minimalists wish we would all stop spending money on. What the Internet has to say: Single use kitchen gadgets. so true! Find tolls that serve multiple purposes! We agree with the collection of craft supplies being a little excessive and a slippery slope! Beware! We found this statistic listed in the article to be interesting, "Americans wear 20%of their clothing 80% of the time" - let's consider our own version of a 'capsule wardrobe'! What Jen and Jill have to say: frugalfriendspodcast.com/billBILL OF THE WEEK - If you want to submit your bill of the week visit to leave us a billThank you MK! Our life song!! an amazing throw back, and connection to this segment. You are a genius! - What we have to say about minimalismPersonal & Community Maria: "I feel the shift to this (minimalist) mindset for me has been directly related to frugal and intentional living, especially over the last five years. I've realized I really don't need a whole lot to live a satisfying life." Bronwyn: "Right now my focus in (minimalism) is disconnecting from consumer culture so that I have only what I really need. I’m still trying to find a balance between not having too much and still having enough." Emily: "I started with fitness, which led to simple and clean eating, which led to simple living i.e. minimalism which led to financial simplicity i.e. cleaning up my debt and spending habits" To hear more from us and our frugal friends community, head over to https://www.facebook.com/groups/frugalfriendspodcast/See you there!See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 Tell us what life looks like for you after becoming debt free (or what your debt free journey is looking like) by joining our facebook at: https://www.facebook.com/groups/frugalfriendspodcast/search/?query=debt We look forward to hearing from you! See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 [email protected] more from the Frugal Friends?!We are starting The Frugal Friends Book Club! And you could of the book!win a copy 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 [email protected] See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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!Oh, and here's Jill's sister's deodorant - Native https://www.nativecos.com/product/deodorant-women/ This article gives a unique perspective on frugality and touches on another one of our "why's" for living the frugal lifestyle, which is generosity. Becoming Minimalist writes about 9 ways generous people see the world differently, and we think there are a lot of overlaps with frugality here!What we have to say about this topic: how we approach frugality and generosity really speaks to the age-old 'ice-breaker' question of “what would you do if you had a million dollars?” frugality allows us to give of our time and resources in a way that is sustainable [email protected] OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to Thank you Jocelyn for sharing your bill! We love babies, especially babies named Billy in 2018!From our community - here's what our frugal friends had to say about their "why's" behind frugality: Hilary said traveling inspires her frugality and seeing that it’s people, not stuff that brings her 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 [email protected] We’ll select the winners on August 31st. See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today we dive deep into meal planning. We cover the "how to's" of meal planning and meal prep, the "why's" behind it, what to do when meal prep is not a possibility, freezer meals, and planning around grocery flyers and sales. For some, meal planning and prep is a life goal, and for others this process is a walk in the park; but for all of us who desire to live a frugal lifestyle it is an important aspect of our journey! So let's figure out a system that works for us!Sponsors: Books - the frugal entertainmentPodcastcrafter.comPodcast Crafter - Check them out and hire them for all your podcast needs! Notable Notes 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 the Internet has to say: Meal planning isn’t the holy grail! It offers a template, so plan for takeout, delivery, and leftovers, because you don’t need 7 meals planned and purchased every week! Meal planning can be flexible, and does NOT need to be entirely home 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! What Jen and Jill have to say: [email protected] OF THE WEEK - If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to Our 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 ClubWe’re going to read 1 frugal book every month and we’ll start in September with "The Year of Less" by Cait Flanders. Cait did a two year shopping ban that changed not just her finances, but her entire life. For every 5 reviews we receive this month, we’ll give away 1 copy of the book.YOU COULD WIN!To enter to win the book leave us a review on your podcast listening device, (not just itunes) screenshot the review and send it to [email protected]’ll select the winners on August 31st!See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We all want our home to be a place where we can relax, enjoy family time, and entertain others; but how do we create a beautiful and functional environment without breaking the bank? Today we look to the internet and Jill's personal expertise on interiors to bring you some top notch tips on uniquely decorating your space the frugal way!Sponsors: Spray Paint: Don't like the color of your cabinet hardware? Spray paint it! Wish that plastic owl was gold?Spray paint it!podcastcrafter.comPodcast Crafter: Your one stop shop for all your podcasting needs! From show notes, to individual soundtracks, to production - Podcast Crafter has what you're looking for. Check them out! Notable 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 [email protected] you want to submit your bill of the week, visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to Our Experience Jill can't speak highly enough about yard sales, thrift stores, the clearance section, and AUCTIONS! If you can be patient, and keep a running list of the things you are looking for, you can usually find something one of a kind! Also consider DIY projects - get inspired by pinterest when decorating different parts of your home! Keep an eye out for free curb-side treasures! Jill has scored some great furniture and decor both for herself and for friends this way! The best thrift stores for specific needs: Habitat for Humanity ReStore: fixtures, furniture, hardware See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode we talk with Amanda from Debt Free in Sunny CA about her massive $133,763 debt pay-off! Amanda and her husband paid off over $133,000 of debt in 43 months and became debt free just a few short weeks ago on July 5th 2018. During that time she started the #debtfreecommunity on Instagram that has become a safe haven for others paying off debt.Notable NotesAmanda shares tips on how they paid off debt, getting her partner on board, and even how to save on pet care and vet bills! We also discuss the importance of finding your "why" in this debt-free and financial independence journey. Amanda shares her "why" along with other great insights on partnering with your spouse to accomplish financial goals.We had a great time talking with Amanda and hearing her amazing debt pay-off story, and celebrating her accomplishment with her! Not to mention, we always appreciate learning new tips from our frugal friends!BILL OF THE WEEK- Thanks Amanda for sharing your bill! If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to [email protected] so much for hanging out with us. If you like the message we’re spreading you can support us by leaving a review on Itunes or Stitcher and hitting the subscribe button to get new episodes every Frugal Friends Friday. AND join our Facebook group at frugalfriendspodcast.com/group for more discussion on today’s episode and tips from the community. See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ugh, student loans. Let's all have a collective, frustrated sigh. Even for the most debt averse people, student loans are often still a part of the equation. SO, let's talk about getting rid of those loans!! This episode explores ways to save on student loans, refinancing, loan forgiveness programs, and straight up lifestyle changes to help get rid of student debt fast! We're glad you're here and we're excited to have frugal friends in this debt-free journey!Notable NotesWhat the Internet has to say: This article from student loan hero provides a comprehensive list of loan forgiveness programs. The site provides clickable links for each type of loan forgiveness option, along with explanations for the different programs. Student Loan Planner goes into great detail about the public service loan forgiveness program and tips for applying while also avoiding the pitfalls. If considering refinancing students loans, check out this article! Student loan hero advises 6 steps to take prior to applying to refinance. And check out Jen's story on Student Loan Hero! What Jen and Jill have to say: The Public Service Loan Forgiveness Program (PSLF) is the best, but also probably not the best. Being that this loan is a government program, things could change! There are also a lot of caveats to be aware of, so heed the advice of those that have gone before us!! Refinancing can be a great solution to get your loans all in one place and lower your interest rate. We recommend Education Loan Refinancing since it has the lowest interest rates and the highest cash incentive ($200!) if you sign your loan within 30 days of approval. AND if you use our affiliate link to sign up, you'll get an extra $100!! Our Experience: Jen has her own amazing student debt pay-off story! Check it out on her blog Saving with Spunk Use speed! Going hard at paying down your student loans fast is the only way to save money, and pay down debt 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 [email protected] check them out for all your podcasting needs! podcastcrafter.comPodcast Crafter - want to pay off your student loans? It just takes TIME (and money) :)Time - See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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! - the frugal dinnerbeans and rice Notable Notes 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. 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 What Jen and Jill have to say: This article by Wendy at WebMD 5 ways to save on medical costs. There are obvious tips like talking to your doctor, but there are also some suggestions we have not considered for saving on medications! We like tip #5 about pill splitting - it's possible to decrease the cost of prescription medications if certain milligram amounts are cheaper. Meaning pay less for the 30mg pill and split in half if your prescribed dosage is 15mg. Worth looking into!!What Jen and Jill have to say: What the internet has to say:BILL OF THE WEEK- If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to [email protected] Experience: Preventative care that will actually save you money isn’t screenings. Check out this NY times article for more. Consider contributing to HSA’s to offset the downfall of Medicare; this article gives a great explanation on 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 this article from the Penny Hoarder regarding the benefits! Jen Know what’s an ‘emergency’ and what super glue can fix! For instance, my pinky tragedy while doing the dishes!Jill BEFORE + AFTER pictures on the website - super glue for the win!-Preventative care - drink apple cider vinegar everyday! Thanks Linda SSee omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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: couchsurfing sharing house space on airbnb hostels MONASTERIES!!! 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 [email protected] Our experience: Let's get philosophical: should you vacation while you’re in debt? If you’re going international get the schwab debit card. Rent and RV through sites like the following: https://rvshare.com/?semid=google.nb&placement=g&campid=945028445&adgid=45150523137&keyword=e.rent%20rv&copyid=229314280260&kwd-299503571948&device=t&camptype=search&gclid=Cj0KCQjwvezZBRDkARIsADKQyPkim1pnsSYACEKuYR8tEE8AGU-6kcNnbysjVsXlC2lmpdaZrWVphj7oaAme3EALw_wcB https://www.cruiseamerica.com/rent/ OR invest in your vacation rather than throw money out the window - get creative! For example, purchase a trailer or RV, use it for your vacation, then sell it! See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode we tackle a subject that is a bit beyond our expertise, BUT frugality can be applied to all areas of life; including cars!We talk car maintenance, purchasing, and overall approach to vehicles that can reorient how we view transportation, while also exploring some ways to save money in the process!We could tell you how to save on insurance or at the car lot but frugality isn’t just about saving money. It’s essentially about making fully informed purchases.Notable Notes:What the internet has to say: Kevin Mercadante Article;This Money Under 30 article looks at the true cost of car ownership and explores 6 major vehicle costs including: fuel, licensing/registration/taxes, insurance, maintenance/tires, finance charges, and depreciation.What Jen and Jill have to say: Having a car longer versus trading in seems to be the better deal BUT buy used! (depreciation will get ya) Wisebread Article by Paul Michael dives into 8 easy DIY car repairs. Paul highlights a few vehicle maintenance jobs that could be done at home for those who want to expand their skills! What Jen and Jill have to say: We love the problem solving/DIY approach!! There are some BOLD suggestions Check out some simple car maintenance on youtube like this one: https://www.youtube.com/user/scottykilmer BILL OF THE WEEK- Thanks Hannah from Souderton, PA for your awesome Bill of the Week!! We did not know this about duck bills!frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to call our Google Voicemail.Our experience: If you are wondering "how much should I spend on a car?" check out this article which gives a great break-down! https://www.moneyunder30.com/how-much-car-can-you-afford Basically, 10-35% of annual income IN CASH should be spend on a car Buying quality used cars in cash has been the best system for us! Sponsors: do it!Budgeting - See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today on the Frugal Friends Podcast we do something very new and exciting by hosting a guest! You don't want to miss this interview with Joel Larsgaard from the Pour not Poor podcast. In addition to hosting a podcast about craft beer and personal finance with his friend Matt, he also works as a radio and web producer for money saving guru, Clark Howard so he has a lot of tips for saving money to share with us!Notable NotesWe ask Joel about everything from his history with frugality, money saving tips he picked up from Clark Howard, expert advice on rental properties, how he find deals on mid-century furniture, and finally to the topic of biking to work!What we got from the conversation was more than anyone could have expected as Joel speaks candidly and with a great deal of knowledge about his own experience watching his parents file for bankruptcy, ways adult children can broach the topic of finance with aging parents, and the process of forging a new path with one's own financial decisions.It's a great combination of insightful, thought-provoking conversation and light-hearted tips for anyone on the wide spectrum of frugal living!BILL OF THE WEEK- If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to call our Google Voicemail. Or email us a voice memo to [email protected] so much for hanging out with us. If you like the message we’re spreading you can support us by leaving a review on Itunes and hitting the subscribe button to get new episodes every Frugal Friends Friday. AND join our Facebook group at frugalfriendspodcast.com/group for more discussion on today’s episode and tips from the community. See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 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! 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 What Jen and Jill have to say 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. Utilize discounted gift cards through sites like Gift Card GrannyJill'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 :) What Jen and Jill have to say What the internet has to sayBILL OF THE WEEK- If you want to submit your 'Bill of the Week' call our Google Voicemail at 570-995-1540Jen and Jills favorite tips for dining out Jenmystery shopping Coyle Hospitality Bestmark Customer Impact Confero Jill Utilize websites like Groupon Order from the kids menu! Meal Planning on a BudgetALSO, check out Jen's book (mentioned in the show) See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 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! 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 What Jen and Jill have to say 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! Purchase tickets 47 days in advance (if possible) Jill thinks some tips like 'hidden city ticketing', using a 'fake location' are 'sketchy' and advises to proceed with caution - BUT definitely report back if you do this and it works! What Jen and Jill have to say What the internet has to say Jen and Jill's favorite tips for saving on flights Jill ITA Matrix - the website looks like it hasn't been updated since 2001, and you can't actually purchase tickets through the site, but it allows for comprehensive and advanced searches for finding the best deals! Travel and Leisure Article explains how to use the ITA matrix Jen Southwest companion pass explained HERE Referral link: https://www.referyourchasecard.com/223/EPP76MYV1L See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 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. Jen likes #4 outside vendors, and #15 venues with visual appeal Jill disagrees on #2 - 'taking your time' What Jen and Jill have to say Woman Getting Married Article Jen Goldenburg takes a close look at wedding dresses, and shares 5 ways to save money on this important element. Jen likes #5 non-wedding gown - obviously because this is what she did! Jill shares her frugal fail. Pictures below! [caption id="attachment_89" align="alignnone" width="181"] The dress Jill thought she was getting[/caption] [caption id="attachment_88" align="alignnone" width="199"] The dress Jill actually got[/caption] What Jen and Jill have to say What the Internet has to say 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 Most Expensive Parts of A Wedding - What the Frugal Friends did BILL OF THE WEEK Wedding Freebies Free invitations that don’t suckWedding Chicks Other Wedding Freebies The Balance See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 Lauren Greutman Article Lauren shares 15 ways to reduce utility costs and covers everything from washer/dryer tricks to negotiating with your electric provider. Doing chores that involve electricity at night may mean paying a lower utility rate - check with your 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 What Jen and Jill have to say 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. Jill really did not resonate with this article and openly shares her contrary opinions to numbers 13, 32, and 36. After all, what functioning adult - alive in 2018 - has an epiphany that they no longer need their cell phone?! Jen took a more level-headed approach and affirms the suggestions of using power strips/timers, and eliminating unnecessary subscriptions. What Jen and Jill have to say What the internet has to say 1. and call every few months for a better deal - this works particularly with cell phone and cable service providersShop around 2. - identify ways to cut back on TV spending, don't use the dryer for the full cycle, etc.Reduce use 3. - this IS worth spending money on! Freedom awaits!Pay off debt Ways we save money and what’s worth spending on Jen shares her internet/phone service failFrugal Fail Call us at and leave a voicemail!570-995-1540 Share your bill of the week and be featured on our podcast! BILL OF THE WEEK! BONUS: Picture of Jill's frozen face on Jen's computer screen. When does the face ever freeze so perfectly?!? (check it out over on the show notes on the website) See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 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. You do run the risk of rent inflation but when you own your taxes increase too so you’re not immune. Renting includes being absolved from fixing anything that breaks, renters insurance is a fraction of the cost of homeowners insurance, you don’t have to pay property taxes, there is no interest lost when you rent. Jen -"we love our house but it's a luxury". The house you live in isn’t an investment, it’s a home. Until you’re ready to incur the cost of maintenance, upkeep, and designing it to be a place you love, no one, including yourself, should rush you into buying. You’re not missing out on anything by renting, it’s the frugal thing to do. mic drop. What Jen and Jill have to say The Case for Renting Jill shares on her journey of renting inexpensively, living in an RV, house-sitting, and living with grandma!Get paid to care for your elderly family membersCaring for Elderly Alternative Housing 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. Things to Remember 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'. 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 What Jen and Jill have to say What the Internet has to say Ready to Buy Mr. Money Mustache Article Mr. Money exposes the true cost of commuting and dispels the myth that 'commuting is a good way to save money' Some people think opting for lower rent outside the city and settling for a 30-40 minute commute is the smart thing to do, but the frugal friends disagree. Jen agrees with Mr. Money Mustache that you should pay the higher rent to live close to your work and life if you’re willing to 1) bike to work 2) sell you What Jen and Jill have to say What the Internet has to sayThe Case Against a Commute See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 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. Buy food, use food Reduce animal product consumption Disagree with meal kit delivery service one Drink water! It's good for you! What Jen and Jill have to say 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. 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 What Jen and Jill have to say What the internet has to say THANK YOU Aldi!The Organic Debate BILL OF THE WEEK Eating healthy is cheaper, but you pay in time and taste (unless you learn how to cook!) Budget your time (i.e. meal prep) Improve taste; research & practice makes perfect Wrap Up See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We discuss one of our most basic needs and how to spend and save smartly on our clothing. Beyond the purchase of clothing, the Frugal Friends also explore proper care, and maintenance to increase the longevity of our clothing.Notable Notes: Penny Hoarder Article The article shares 20 ways to save money on clothes. Tips include saving, spending intentionally, and even preserving and properly washing clothing. Thrift stores - YES! Hang dry clothing - Frugal Friends call this a 'two birds, one stone' situation; preserve clothes, AND save on utility costs Compartments in the washing machine explained HERE Dry Clean at home DIY Dry Cleaning What Jen and Jill have to say 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! 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! What Jen and Jill have to say What the internet has to say Jen - buying quality, buying out of season, referral programs Jill - thrift stores, mending, and swapping How Jen and Jill save money on clothes underwear (the line has to be drawn somewhere!) staple shoes (i.e. boots, quality sandals) coats (out of season is still best!) What Jen and Jill WILL spend money on Thanks Lisa! The Frugal Friends think 'Bill' the dog sounds like a real gem!BILL OF THE WEEK 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 See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we introduce the Frugal Friends Podcast, share a bit about ourselves, and a lot about frugality.We're excited to create a platform for sharing and learning together on this frugal journey!Frugality is for everyone; so join us by listening, engaging with our Facebook Group, taking the 90 Day Frugalizer challenge, and utilizing the links below for more resources and information on living frugally!Notable Notes: - Categories to anticipate with Frugal Friends podcast episodes Clothing/Shopping Bills/Utilities Transportation Housing 4 Pillars Frugalwoods Article Mrs. Frugalwoods (a.k.a. Liz Thames) identifies 19 reasons why frugality is the best - and the frugal friends agree! Frugality helps you identify your true priorities Frugality builds community Frugality means you'll never be bored Frugality leads to gratitude and joy What Jen and Jill have to say: 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. Frugality is about spending wisely Frugality is about the journey, not the destination It is never too late to 'course correct' What Jen and Jill have to say: What the internet has to say Introduction of the most anticipated, interactive segment! Leave us a voicemail with your BILL OF THE WEEK at: 570-995-1540 BILL OF THE WEEK (i.e. at some point you're wasting your time)The Law of Diminishing Returns ( i.e. if frugality keeps you from what you love its cheapness)Frugality allows you to discover what you truly value (i.e. you can’t buy your way to green) Frugality is good for the environment (i.e. you can have better things when you buy used and you’ll eventually stop buying those souvenir t-shirts you’ll never wear)Frugality refines your taste and style (i.e. the best way to not spend money is to spend time making it!)Frugality allows you more time to increase your income (i.e. sorry, not sorry)Frugality will not make you rich Tenets of Frugality #frugalnotcheap See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hi! We're Jill & Jen, your new frugal friends. We're here to help you embrace frugality and all the benefits that come with it.Are you trying to pay off debt or reach other financial goals?Do you often wonder where all your money went? Have you been looking for a community that will help you grow to your fullest frugal potential?Then join us on the where we help you save money on things you need, buy less of the things you don't, and leave more for the things you really want.Frugal Friends PodcastFrugal Friends is an accessible and informative podcast for anyone who wants to make better decisions with their money. We’re a place where people can learn together and share what’s worked for them.Everyone’s invited! We're finding joy in the simplicity of less. To follow along, Subscribe in Apple Podcasts, Stitcher, and Google Play.See omnystudio.com/listener for privacy information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.