Frugal Friends Podcast

We are not saying you shouldn't be aware of or manage your money well, we are saying you don’t need a budget to thrive financially. Yes, there is a difference! One is just not right, while the other suggests more flexible and freeing ways to spend. In this episode, Jen and Jill discuss money management and how a hundred budgeting templates may not always work for you.

🎙️ Get full show notes here!
https://bit.ly/3MiDIao 

📘 Pre-order the book here
https://bit.ly/BWYL-podcast

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Luxury isn’t just about extravagance. Sometimes, it’s the simple, priceless moments in life that we don’t even realize, like reading a book, walking your dog, or enjoying a quiet cup of coffee! In this episode, Jen and Jill join Shannon Ables of The Simply Luxurious Life to guide us through how to identify little luxuries, and how we can build skills leading to contentment.

🎙️ Get full show notes here!
https://bit.ly/3Atyar2 

📘 Pre-order the book here
https://bit.ly/BWYL-podcast

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

It's the mind itself that shapes the body. This fall season, embracing a new mindset will bring about changes that come with comfort and ease. So, join Jen and Jill as they share another set of engaging book recommendations that explore mindset shifts, relationships, time management, and strengthening love muscles!

🎙️ Get full show notes here!
https://bit.ly/3YUIBxW 

📘 Pre-order the book here
https://bit.ly/BWYL-podcast

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

‘Tis the season of giving…and big spending! Last time, we discussed how to maximize the season, but this episode is all about minimizing it. So this fall, we’re focusing on budgeting and overall check-ins to ensure we wrap up the year on a positive note. In this episode, Jen and Jill share a fall to-do list to help you plan ahead, prepare for the upcoming months, and budget effectively for the holidays.

🎙️ Get full show notes here!
https://bit.ly/4cdH2Oy 

📘 Pre-order the book here
https://bit.ly/BWYL-podcast

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

A new emotion has entered—burnout! It’s not the worst of the worst, but it is our common enemy. It’s the feeling that stops time and makes us exhausted just by existing. We know it, and we feel it, and now our spending is at risk because of it. That’s why, in this episode, Jen and Jill join Jess Massey of The Hustle Sanely Podcast to share how to identify burnout and combat its inevitable cycle.

🎙️ Get full show notes here!
https://bit.ly/3AFJz6V 

📘 Pre-order the book here
https://bit.ly/BWYL-podcast

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Overconsumption is out, underconsumption core is IN! We're talking about squeezing out the last drop of soap or shampoo, using up every bit of toothpaste, and rocking that dented flask. In this episode, Jen and Jill talk about what it is, why it’s gaining popularity, why you should care about it, and what you can do to spread the message!

🎙️ Get full show notes here!
https://bit.ly/3A76bwV 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Life update! Because so much can change in two years. While the story remains the same, learning, perspective, and goals definitely change. But it’s a good thing to remind ourselves of the hard times we’ve come across and surpassed. In this episode, Jen and Jill rewind Jill’s debt pay-off journey to celebrate being debt-free and also, her very special day!

🎙️ Get full show notes here!
https://bit.ly/3Ww7xZH 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Are you also one of those who goes “I’ll keep this, just in case” and then years go by and you still haven’t used it, but when you revisit the item, you keep it in again just in case? If so, consider this a wake-up call: you don’t need all of this stuff! In this episode, Jen and Jill join Dawn Madsen of The Minimal Mom to share her life living with kids while maintaining a minimalist lifestyle.

🎙️ Get full show notes here!
https://bit.ly/3WKkgIs  

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Repeat after me: I shop AT the grocery store, I am not THE grocery store! You are not a vending machine for snacks and definitely not a storage space for products that will end up going bad in the fridge without being used, so tell yourself, you’re not going to overbuy! In this episode, Jen and Jill read an article that shares helpful, realistic, and approachable tips for grocery shopping on a budget!

🎙️ Get full show notes here!
https://bit.ly/3A4Fp8q 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

We want to walk with you through your financial journey. Therefore, we're giving you an exclusive sneak peek of our new book, "Buy What You Love Without Going Broke"! In this episode, Jen and Jill delve deeper into the heart of the book, which talks about values-based spending, principles we can hold on to, and the foundation for making financial decisions.

🎙️ Get full show notes here!
https://bit.ly/4cRLAv5 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

There’s a saying that goes “a jack of all trades is a master of none, but oftentimes is better than a master of one”! As we approach the last part of our Debt-Free Summer, let’s remember that we can do so much more! In this episode, Jen and Jill are joined by Denise to share a four year debt-free journey, and how switching jobs and good money mindset helped her get through debt. 

🎙️ Get full show notes here!
https://bit.ly/4cSyuxO 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

You know that feeling when you're on the verge of scoring a super good deal, only to realize it's just another impulsive spending moment? But, really, how do we even get away with a good deal in this world full of enticing discounts and irresistible offers? In this episode, Jen and Jill uncover the tricks and strategies of retailers to get us to spend more and how to overcome falling into the traps.

🎙️ Get full show notes here!
https://bit.ly/4cR5m9B 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

They often tell us that the way to pay off debt is to increase our income but what if we tell you there's a way to achieve it without all that hustle? In this episode, Jen and Jill are joined by Kait to uncover her inspiring journey and how she navigated her financial decisions, and used her income and time wisely!

🎙️ Get full show notes here!
https://bit.ly/3XL6Rlu 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

One is the darling of the personal finance world, the other is her outcast cousin. But we're shining a light on the 'ugly duckling' and telling you one might be right for you—and it might not be the one you think. In this episode, Jen and Jill shed light on FSAs and HSAs and provide tips to help you determine which one is right for you!

🎙️ Get full show notes here!
https://bit.ly/4cm1jCz 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Paying off debt is one thing, but achieving your dream career alongside it is truly inspiring! In this episode, Jen and Jill are joined by Katelyn who shares her debt-free journey in 18 months through hard work, multiple jobs, and strategic budgeting, all while obtaining two master's degrees and pursuing a doctorate for FREE.

🎙️ Get full show notes here!
https://bit.ly/3VPf8lA 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

When signing up for loyalty programs, it is important to ask yourself: Am I actually saving? Because we never know, it might be a tricky marketing tactic to get you to spend more. In this episode, Jen and Jill uncover the realities of loyalty points and programs and how much they actually cost us.

🎙️ Get full show notes here!
https://bit.ly/3W97QLf 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

There's no one way to approach a debt-free journey, as everyone's experiences differ. However, you can find ways to pay off debt without sacrificing what's important to you—like investments or lifestyle choices! In this episode, Jen and Jill are joined by Akeiva and Meshack as they share their 18-month debt-free journey and how they did it.

🎙️ Get full show notes here!
https://bit.ly/3zjNUME 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

If you consider yourself bad at thrifting, think again, because you might have missed important tips for buying secondhand items online, or maybe you don’t know where to. In this episode, Jen and Jill give advice on how to make the most of buying secondhand items online and where to find the best online thrift stores for everything!

🎙️ Get full show notes here!
https://bit.ly/3xuBPDD 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Sacrificing the things we love most while saving can be tough. But don’t worry! We can choose to spend money on what we truly value all while meeting our financial goals! In this episode, Jen and Jill are joined by Nika to share her empowering three year debt-free journey including her mindset, hustles, as well as her motivations to finally get out of debt.

🎙️ Get full show notes here!
https://bit.ly/3RWLVo3 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Just a reminder: You have food at home! It's easy to make excuses not to eat what's at home, but little do we realize it costs us more. In this episode, Jen and Jill help us have the internal motivation and the external hacks to choose the food we have at home over take-outs or food in restaurants.

🎙️ Get full show notes here!
https://bit.ly/3z6ux9P 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Being too focused on paying off debt can sometimes lead you to extremes. In this episode, Jen and Jill are joined by Jason to share his two-year journey in overcoming debt with his wife—how they did it, what they cut back on, how they got rid of extra belongings, and how they lived more intentionally.

🎙️ Get full show notes here!
https://bit.ly/4eoGOqg  

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Everyone loves a good deal that also offers good quality. Therefore, it's a good thing there are salvage stores to help us shop more with less guilt. In this episode, Jen and Jill discuss salvage stores, how to find and identify them, and tips for shopping for them.

🎙️ Get full show notes here!
https://bit.ly/3VzLHFq 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

The burden of debt may seem endless and enduring, leaving one feeling behind when starting their own debt-free journey. In this episode, Jen and Jill are joined by Tina to share her inspiring 15-year debt-free journey, including creative strategies, benefits, and mindset shifts to overcome being in debt. 

🎙️ Get full show notes here!
https://bit.ly/3VAWYWa 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Looking to start your skincare journey or make your skincare routine more minimalist? Or you are already minimalist but want to get better at it? In this episode, Jen and Jill share why we must minimize our skincare routine, what it can look like, and what their skincare routines are.

🎙️ Get full show notes here!
https://bit.ly/45gACfC 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
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See omnystudio.com/listener for privacy information.

Social media is vast and can distort intentions and messages, affecting our motivation. However, its communities are often overlooked for their incredible power to support and uplift each other. In this episode, Jen and Jill celebrate Kelly’s successful payoff journey of $46,000 in student loan debt with the help of social media.

🎙️ Get full show notes here!
https://bit.ly/3x3Qaa8 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community
http://www.frugalfriendspodcast.com/club

👉🏼 Subscribe for more on YouTube
https://www.youtube.com/frugalfriends

💃🏼 Hang out with us on Instagram!
https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

The summer has begun, and the laziness, or perhaps, as we would like to call it, a “restful” season, has finally kicked in. I know many of you want to rest and slow down this summer, so let’s capitalize on that! In this episode, Jen and Jill share tips on simplifying your meal planning and recipes that require fewer ingredients!

🎙️ Get full show notes here! 
https://bit.ly/4ehOcnk 

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter

📣 Submit your bill of the week and get a shoutout from us 
https://www.frugalfriendspodcast.com/bill-of-the-week/

💸 Check out our monthly challenge community 
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Life after school is daunting, perhaps due to the desire to prove to oneself that we can be adults with a bright and stable life, but life isn’t a movie and adulthood is far from a steady life pace. In this episode, Jen and Jill listen to Catherine’s story of paying off her $27,000 student loan in just 5 months after graduating.

🎙️ Get full show notes here! 
https://bit.ly/3VuxKsa 

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Why travel far when you can enjoy the gorgeous places nearby? It’s convenient and budget-friendly! Grab a pen and paper, because in this episode, Jen and Jill revisit staycation ideas for your summer, sparking creativity in frugality.

🎙️ Get full show notes here! 
https://bit.ly/453GmJw 

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We don’t often give much credit to our teachers that they get paid less than what they deserve. Many of them are struggling to pay off ballooning debts and are forced to live paycheck to paycheck. In this episode, Jen and Jill are joined by Megan to share her debt free journey including creative strategies to save money and mindset shifts as a teacher. 

🎙️ Get full show notes here! 
https://bit.ly/3Kl9naj 

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What will you do when you have planned and prepared the best meal you could possibly make, but then your kids say no and leave the plate untouched? Now, throwing it away is the easiest answer, but food waste is a big money waste too. In this episode, Jen and Jill answer how we can reduce our food waste with kids in easy and manageable ways.

🎙️ Get full show notes here! 
https://bit.ly/4bAdlI6 

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What time is it? Summertime! It’s your vacation…but maybe not your finances! Summer is the second season, next to winter, wherein everyone is expected to spend more. Let’s find out in this episode as Jen and Jill share what to look out for and prepare for this summer in order to stay on budget and enjoy this season’s freedom!

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https://bit.ly/3QXA9ZI 

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We love convenience, who doesn’t? We love anything that will make our lives faster and easier; hence, we love cashless transactions but we have forgotten how significant it is to have cash. In this episode, Jen and Jill join Brian Preston of The Money Guy to discuss the importance of having saved cash, whether as emergency funds or for opportunities.

🎙️ Get full show notes here! 
https://bit.ly/3QQAPjO 

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Ever feel like your possessions have possessed your life? If it's badly affecting your finances, it might be time to say 'enough.' In this episode, Jen and Jill define what and when is enough for our finances through simplification, which will greatly encourage our mindset and overall finances. 

🎙️ Get full show notes here! 
https://bit.ly/4dGF3En 

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We always see the “how-tos” or ways not to impulse shop, but what really happens after? How effective and beneficial is it in attaining our financial goals? In this episode, Jen and Jill read stories of real people who have overcome impulse shopping to discover and learn about its impact on our financial goals and, ultimately, our lives.

🎙️ Get full show notes here! 
https://bit.ly/3wxybbG 

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We came to a point where acquiring diseases and viruses no longer makes us super anxious, but rather from receiving a lengthy hospital bill and medical expenses! In this episode, Jen and Jill, together with Scott Speranza, CEO of HealthLock, discover a long list of medical billing errors and share ways to identify and dispute healthcare overbilling.

🎙️ Get full show notes here! 
https://bit.ly/4bzpRH5 

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Will it surprise you when you find out that the 10% off deal you got when you purchased your new containers is the actual price? In this episode, Jen and Jill give FREE hot takes on marketing ploys such as how discounts and price sales are made to trick you into buying, costing you more!

🎙️ Get full show notes here! 
https://bit.ly/4bk7lT9 

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When paying off debt, it feels like a forever process of trying to decrease its amount, but when you look back, time just flew by like a wind! Jen shares her story of paying off her debt of $78,000 in just 2 years. Together with Jill, they celebrate and talk about the mindset shifts Jen needed to work on to pay off debt.

🎙️ Get full show notes here! 
https://bit.ly/3wlhX5u

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We were conditioned to prioritize independence and self-sufficiency, sometimes at the expense of nurturing meaningful relationships. In this episode, Jen and Jill encourage us to refine our ways of asking the people in our lives, which results in better spending decisions. Joined by Jeff Wetzler, they explore the “ask approach” and its significance in self-awareness and connecting with others.

🎙️ Get full show notes here! 
https://bit.ly/3wcGTfn

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May is here, and so are yard sales! We have finally entered the season of yard sales, and some may have already been hunting and lining up for these sales. Don’t worry, Jen and Jill share tips on making the most of your yard sale stop and their experiences buying from one. Know which items to add to your list on your next yard sale visit! 

🎙️ Get full show notes here! 
https://bit.ly/4cVjjnO 

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Ever walk out of a warehouse club and realize you bought way too many things that weren't on your list? It’s time we turn you into a pro-bulk shopper, not an impulsive one! In this episode, Jen and Jill explore the myths about warehouse clubs and discuss pro tips on bulk buying.

🎙️ Get full show notes here! 
https://bit.ly/3xvEWuR 

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Does creating a garden sound magical and fairytale-like to you? But you always end up killing your plants, demotivating you to build one? Well, we all had the same experience as you do. In this episode, Jen and Jill talk all things gardening for beginners and to those who are hesitant to start with Nicole Johnsey Burke.

🎙️ Get full show notes here! 
https://bit.ly/3WfyToA 

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Celebrating 6 years and 400 episodes with the husbands back on the show! If you're hoping to get any financial advice in this episode, you will get a little. But this episode delivers all the things you asked for: the husbands, one-star reviews, and Q&As. We've laughed, we've learned, we've had great conversations, and now it's time to celebrate all those moments. We'd love for YOU to join the party.

🎙️ Get full show notes here! 
https://bit.ly/4bjd1gn

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Bills, bills, bills! Who loves paying bills when it holds us back on spending on the things we love and value? Well, it doesn’t always have to be that way! In this episode, Jen and Jill make space on being able to spend guilt free and prioritizing it on our values.

🎙️ Get full show notes here! 
https://bit.ly/3W2W6dz 

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We often forget that good stewardship of our resources is a foundational part of a frugal lifestyle. While it is simply unrealistic to have total zero waste in our everyday lives, frugal zero waste living teaches us beyond wasting less and also fostering intentional consumption and choices. In this re-run episode, Jen and Jill talk about the 5Rs of waste management and zero-waste living, aiding our self-sufficiency and problem-solving skills. 

🎙️ Get full show notes here! 
https://bit.ly/3J7SgrO  

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“I deserve to buy this!” But are you really deserving of it? If you’re someone who thinks adding more items to your cart at checkout is going to solve all of your problems, then you deserve to hear this episode. Jen and Jill, together with Amanda Montell, author of acclaimed books such as Wordslut and Cultish, and a podcast host, talk about cognitive biases and their influence on not just our finances but on our everyday lives!

🎙️ Get full show notes here! 
https://bit.ly/3U51Bab 

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Got nowhere to place your piling-up girl scout cookies? You’re in for the ride! In this episode, Jen and Jill walk through creative ways to make a minimalist pantry. Figure out your next kitchen or pantry setup, the items you might use, and those that need to go!

🎙️ Get full show notes here! 
https://bit.ly/3vFh339 

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While there are some who find it hard to let go, there are also those who easily discard things. In this episode, Jen and Jill learn from Carleigh Bodrug of PlantYou deliciously simple yet creative ways to repurpose food in hopes of reducing our food waste and being intentional about meal planning.

🎙️ Get full show notes here! 
https://bit.ly/3TGaOnV 

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You are not just a teacher, but an all-rounder, a jack of all trades. Teachers’ honorable work in the classroom should never be undermined and should be greatly compensated. In this episode, Jen and Jill highlight the discrepancies in income and expenses for teachers that unfortunately push them to find additional work and the popular side hustles teachers can take on during the summer.  

🎙️ Get full show notes here! 
https://bit.ly/4aicgDM

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“I’m 35 and I feel far behind in life."  You’re wrong. You’re at the best time to start! In this episode, Jen and Jill discuss the amount (theoretically) you should have saved for retirement at certain ages without disregarding what you truly care about and want to do in life.

🎙️ Get full show notes here! 
https://bit.ly/4cvLNEH

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If you just bought your new spring mattress and discovered the harmful chemicals of having one, this is us telling you that you do not immediately need to buy and swap your new mattress for a no toxin. In this episode, Jen and Jill, together with Alexx, discuss the benefits of reducing toxins in your everyday life and how it intersects with living a frugal life.

🎙️ Get full show notes here! 
https://bit.ly/3vgVtSF

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Have you ever missed out on a huge discount sale at your favorite grocery store? This time, we’re not letting you miss out on any sales! No more FOMOs this year, as in this episode, Jen and Jill explore the seasonal sale cycles of groceries and the best times to buy and stock up your pantry!

🎙️ Get full show notes here! 
https://bit.ly/3IznkQN 

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While there’s beauty in your uniqueness, navigating a world yet to be designed for you can be quite challenging. In this episode, Jen and Jill discuss the struggles of a neurodivergent when it comes to personal finance and some helpful tips to manage your money. Flaunt your edge and claim the power you have over the system!

🎙️ Get full show notes here! 
https://bit.ly/435DXgu

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In a time where indulgence in impulsive buying and consumerism is being equated with self-care, practicing frugality is harder than one may think. Frugality fosters a mindset and lifestyle of creativity, advocating for intentional spending. In this episode, Jen and Jill talk about how frugality encourages one to unleash their creativity in budgeting and saving with Miranda Anderson. 

🎙️ Get full show notes here! 
https://bit.ly/4a1gHmh

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Is the produce from your local Farmer's Market more expensive than buying from a grocery store? Let’s learn more about farmer's markets and how to shop in them! In this episode, Jen and Jill discover the small yet significant differences between buying from a farmers market and a grocery store and ways to successfully shop from farmers.

🎙️ Get full show notes here! 
https://bit.ly/49AuKiy

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
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Shifting to digital is not new but also not that old, as most people are still discovering new things online. If you have heard of the terms ETFs, index funds, and bear markets and are having a hard time differentiating and understanding each of them, then you’re in for a treat. In this episode, Jen and Jill talk about investing for retirement, specifically using ETFs and index funds, and how it’s related to the “bear market.”

🎙️ Get full show notes here! 
https://bit.ly/3wARWig

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There's nothing you can't do now that you're in New York! 🎶 Just like the song, the streets of New York will make you feel brand new without breaking the bank. Tag along as Jen and Jill, together with Jen on a Jet Plane, list down travel tips and vacation destination dupes you can visit within the US and overseas that are affordable and enjoyable! 

🎙️ Get full show notes here! 
https://bit.ly/49OJIBd

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There’s a popular saying that goes, “Spring is nature’s way of saying, ‘Let’s party! ’” and we believe so! Spring has sprung, but so do springtime spending traps. In this episode, Jen and Jill list spending traps, needs, and ways to budget during this season.

🎙️ Get full show notes here! 
https://bit.ly/4bKZij4

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When does one step at a time get difficult? For us, it’s saving the first $100K. Building on an insightful discussion about all the math behind this, Jen and Jill share their thoughts on why this point marks a significant turning point in one's financial journey. Join your Frugal Friends as they continue the 6-week Roth IRA Challenge by discovering the reasons and ways to save your first $100K. 

🎙️ Get full show notes here! 
https://bit.ly/3UOw2lE

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Got a job promotion and want to celebrate? Stay right there! We’re going to celebrate it with you. In this episode, Jen and Jill create a space with Meghan Dwyer on emotional spending through validation and healthily working our way through it. They dive into the topics of the common triggers, managing positive emotions, and curbing negative emotional spending.

🎙️ Get full show notes here! 
https://bit.ly/3SIVDcW

💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
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There’s no journey that has no successes, challenges, and most importantly, learning opportunities! Whether you’ve finished the no-spend challenge or you’re just planning to start, this episode takes you on a journey of celebrating new learnings Jen and Jill acquired through their no-spend January experience! 

🎙️ Get full show notes here! 
https://bit.ly/3uvwzhw

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Investing doesn't have to be complicated. In this episode, Jen and Jill break down the basics of Roth IRAs and why they're a great option for saving for retirement. We also encourage everyone to take part in a 6-week challenge to contribute as much as possible to their 2023 Roth IRA before the tax deadline!

🎙️ Get full show notes here! 
https://bit.ly/3Untbjh

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Romance could show you incredible things like magic, madness, heaven, and sin. But in today’s special Valentine episode, Jen and Jill uncover a different kind as April Helm recounts 3 stories of romance money scams. The cautionary note is clear: "Love's a game, wanna play?" Be careful because your next mistake could be a big one. 

🎙️ Get full show notes here! 
https://bit.ly/3ST0byY

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Why settle for cheap quality when you can have the best for less? No posh brand names and high price tags, but this episode is all about learning materials, durability, and all ways to acquire REAL reviews, not paid ones. Join Jen and Jill as they share ways to refine our ability in choosing affordable quality than cheap quantity. 

🎙️ Get full show notes here! 
https://bit.ly/3SmCAoP

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Struggling with impulse purchases? In this episode, we dive deep into the psychology of spending, a topic that's not only fascinating but also central to our upcoming book. Jen and Jill explore the reasons behind impulse purchases and provide strategies to help combat them. We don’t just talk theory - trust us, this is a must-listen for anyone looking to improve their spending!

🎙️ Get full show notes here! 
https://bit.ly/490LKOH

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The retirement topic always got people walking on eggshells. It’s mostly a tricky subject to bring up with our aging parents for a variety of reasons, and it’s only valid. In this episode, Jen and Jill, along with the creator of Waterlily, Lily Vittayarukskul, share about how planning for long-term care impacts us and the practices we can do to prepare ourselves as well as our parents for their long-term care.  

🎙️ Get full show notes here! 
https://bit.ly/3SD9D9C

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Welcome to another insightful discussion! How's the progress on your New Year's financial resolutions? If you're still riding the wave of excitement and commitment to your goals, you're in for a treat. In this episode, Jen and Jill share valuable strategies that go beyond mere financial tips. They explore the power of mindset shifts, providing practical advice to help you not only set but successfully stick to your financial goals throughout the year.

🎙️ Get full show notes here! 
https://bit.ly/3u6fGtO

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As the personal finance podcast industry grows every year, you might find yourself overwhelmed or confused by the contradictory and countless pieces of advice you hear. Frugal friends create a space for you to find the radical middle—discovering what is going to make sense for you and holding on to the tension of all the advice you receive. In this episode, Jen and Jill take us back to controversial financial advice coined as the “baby steps” or “blueprint” aligning the current status of our economy.

🎙️ Get full show notes here! 
https://bit.ly/3S0GtzI

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What song has stuck in your head ever since you heard it for the first time? What if we told you how you think about finance is just like that song? In this episode, Jen and Jill break down ways to change your money mindset so you can stick with your financial goals, together with Paco de Leon’s fantastic financial advice. This episode isn't just a chat; it's an encouragement to create a fresh tune that aligns with your goals and guides you towards financial well-being.

🎙️ Get full show notes here! 
https://bit.ly/3vDjB1o

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It has increasingly become harder to afford a house than to pay rent. But if you are determined to buy your dream house, this episode is for you! In this episode, Jen and Jill guide you into the complex and ever-changing housing market. Beyond the challenging landscape, they address critical questions, providing valuable insights for prospective homebuyers.

🎙️ Get full show notes here! 
https://bit.ly/423XCwN

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Many of us think buying generic brands means we’re being responsible with our finances, but navigating when to opt for off-brand versus name-brand can be a strategic decision between quality and savings. In this episode, Jen and Jill discover what experts in their field buy and Tiktok product review videos to know which products are worth our money. 

🎙️ Get full show notes here! 
https://bit.ly/3S7F8Z4

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They say it takes two to tango, and so do our finances! Even relationships with the strongest foundations struggle to manage their finances together. In this episode, Jen and Jill, together with Julia Lily, talk about steps to improve ways of managing money with your partner.

🎙️ Get full show notes here! 
https://bit.ly/3S6KZhl

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Did you add meal planning to your new year’s resolutions? Then let’s resolve this together with Jen and Jill as they share everyone’s favorite meal plan recipes, including their own preferences! In this episode, Jen and Jill guide you in creating a 2-week plan of food you want to eat with ingredients you may already have in your home. 

🎙️ Get full show notes here! 
https://bit.ly/3RHfx7U

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When you think about your life and ask, "Am I happy with how things are? Am I content with the life I have right now?" Do you say yes? It's tough to figure out what's just right for us without settling and feeling too complacent. We want to keep moving forward. In this episode, Jen and Jill walk us into the journey of contentment and share ways to use it as a tool to spend less and with intentionality.

🎙️ Get full show notes here! 
https://bit.ly/3vh2hPN

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Did you put "avoid any impulse spending" on your New Year’s resolution? Get on board as this episode shares ways to overcome overspending and curate a safe and healthy social media timeline for you! Hear from Jen and Jill, joined by Paige Pritchard, as they unravel the tricky world of social media, de-influencing, and spending mindsets.

🎙️ Get full show notes here! 
https://bit.ly/477xLEY

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Time flies by so fast, and we’re already at the end of 2023. Are you having a blast? We’re wrapping up this year with tips on budgeting to gear you up for the coming year. In this episode, Jen and Jill share helpful tips on not just planning your money better but also expanding it!

🎙️ Get full show notes here! 
https://bit.ly/3RjZw7q 

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Need something to freshen up your mind for the coming year? We've got you covered! In this episode, Jen and Jill deliver your requested book genre for the book club, which is all about minimalism, simple living, and cleaning up clutter.

🎙️ Get full show notes here! 
https://bit.ly/4awKvbx

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Picture a rich person. Do you see someone throwing cash while holding champagne on a yacht? A huge mansion with gold-painted door knobs? Let’s change that. In this episode, together with Vivian Tu, Frugal Friends are redefining "wealth," debunking rich people's myths, and instilling social responsibility to define yourself as rich or wealthy.

🎙️ Get full show notes here! 
https://bit.ly/3Rl4gK9

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Make it last forever, friendship never ends 🎶 But when you’re in your 30s, people have said it’s harder to build and maintain friendships, so how do we make it last forever? Frugal Friends Jen and Jill are now in their solid, spicy 30s, and in this episode, they unravel about recognizing the relationships in our lives and how they impact our money!

🎙️ Get full show notes here! 
https://bit.ly/418BUax

💌 Want to save money and spend better in just 5 minutes? 
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📣 Submit your bill of the week and get a shoutout from us 
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The most beloved budgeting app, Mint, is no longer going to be with us for next year. So in this episode, we’re checking out the other best budgeting apps as well as the worst! Jen and Jill list app recommendations judging from its ability down to the app’s promised data privacy, which are all accompanied by reviews from other fellow Mint users on Reddit.

🎙️ Get full show notes here! 
https://bit.ly/3TangOa

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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What can't your dollar bill buy? You probably thought of time, space, relationships, and just too many to mention! In this episode, we got creative as Jen and Jill bring you one of their favorite interviews they’ve ever done from their Frugal Living Summit 2021, an interview with Laura Oldanie on building wealth, permaculture, and the multiple forms of capital to earn and invest in.

🎙️ Get full show notes here! 
https://bit.ly/49HrNxc

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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See omnystudio.com/listener for privacy information.

Advocating for yourself is your biggest weapon in managing your money, especially in investing. You might be confused with the different types of funds, so in this episode, Jen and Jill discuss mutual funds for you to be able to advocate for yourself with little to no help from advisors or experts!

🎙️ Get full show notes here! 
https://bit.ly/3SNruLm

💌 Want to save money and spend better in just 5 minutes? 
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See omnystudio.com/listener for privacy information.

Found yourself buying all the different shades of lipstick but not one of them looks good on you? We will help you make up your mind on your next makeup and beauty shopping trip. In this episode, Jen and Jill give tangible tips on saving money for makeup and product recommendations!

🎙️ Get full show notes here! 
https://bit.ly/3QYsXgo

💌 Want to save money and spend better in just 5 minutes? 
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People tend to use and define financial freedom and financial independence interchangeably, which might be affecting how you view frugality. So what really is the difference? In this episode, together with Jen, Jill and our special guest, Jamila Souffrant, the host of Journey To Launch Podcast and author, we find out the difference and how frugality becomes a component in achieving your financial goals.

🎙️ Get full show notes here! 
https://bit.ly/47AtXNg

💌 Want to save money and spend better in just 5 minutes? 
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Health insurance aims to lessen our healthcare expenses, yet ironically, it remains surprisingly costly for many of us. In this episode, Jen and Jill delve into the advantages and drawbacks of health share ministries, drawing from their own experiences with these plans. Join us as the Frugal Friends help you determine whether a health sharing ministry might be the right healthcare solution for you.

🎙️ Get full show notes here! 
https://bit.ly/49Bo1oY

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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Has anyone ever told you that you have Big Impact Energy? Every action you make has an impact on a micro- to macro-level. Whether you’re on your way to the mall to shop for the Black Friday sale or you’re decorating for Christmas, this episode is not going to shame you for it; rather, we’re empowering you to make the best and most confident frugal decisions.

🎙️ Get full show notes here! 
https://bit.ly/3sv9xXd

💌 Want to save money and spend better in just 5 minutes? 
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You don’t need to own any property to host an Airbnb and make a couple of extra dollars along the way. This episode, Jen and Jill introduce you to the world of Airbnb rooms and co-hosting—it can be a full-time job or a profitable source of income while you keep your full-time job. 

🎙️ Get full show notes here! 
https://bit.ly/46lVktq

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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Not everyone wants to rock Steve Jobs’ all-black outfit or Mark Zuckerberg’s gray shirt paired with comfortable jeans every day; some want colors, statement accessories, or a funky pair of shoes! It’s important that we love the clothes we want to wear every day. In this episode, we identify principles for building the perfect capsule wardrobe and unravel the world of personal color analysis.

🎙️ Get full show notes here! 
https://bit.ly/3QM8Q43

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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In the era of ✨girl dinner✨ where not all of us love cooking or even have the aptitude and time for it, planning ahead for your meal is actually a big aspect of saving money, time, and effort. If you’re feeling lazy to cook, tune in as we figure out the reasons for making a meal plan and how to do it in ways that won't exhaust you and take up more of your time.

🎙️ Get full show notes here! 
https://bit.ly/3SsM4QY

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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Health is a fundamental human right, yet the demands of healthcare costs go sky-high, becoming a source of financial strain and stress. In this episode together with Dr. Andrea Feigl, we're sharing the difficulties and demands of those who suffer from chronic illness in a micro- and macro-level aspect, as well as ways of advocating for themselves and their loved ones.

🎙️ Get full show notes here! 
https://bit.ly/3QjQmr3

💌 Want to save money and spend better in just 5 minutes? 
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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Managing money is riddled with complexities and uncertainties, and we tend to forget how easy it would all have been if we only did and saw things simply. The best things in life are always free and simple! This episode covers the what, why, how, and barriers to simplifying our finances, ALL SIMPLIFIED AND FREE!

🎙️ Get full show notes here! 
https://bit.ly/3Fv7e9l

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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Order complete but does it make you FEEL complete? Unplanned purchases often get the best of us, but we’re not here to vilify those today. In this episode, we are digging deeper into the science behind your impulse spendings and ways to avoid it to have more intentional shopping. 

🎙️ Get full show notes here! 
https://bit.ly/3s2Or23

💆🏻‍♀️ Win a $1,000 cash to “pamper yourself” in any way you see fit! 
https://swee.ps/LzZksMCOI

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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A sudden, huge deduction from your bank account is spookier and more terrifying than a ghost jumping out to scare you. In this Halloween special, we're reading you real horror stories that happen more commonly than we think! It’s money scam stories from real people that will hopefully help you identify scams so you won’t fall for them. 

🎙️ Get full show notes here! 
https://bit.ly/402CHJv

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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Financial gurus all over social media would tell you to not spend on your next takeout coffee or the food you’ve been craving for weeks, but we’re not here to tell you any of that. Being frugal is budgeting that does not have to be restrictive and deprive you of things that make you happy. This episode is going to be a great start and refresher for your values-based budgeting journey.

🎙️ Get full show notes here! 
https://bit.ly/3Qj22LU

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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Clutter isn’t just a nuisance; it also impacts our brains. Having a space that feels complete and not cluttered leads to the brain feeling uncluttered, making it easier to make financial decisions. Let’s spice up the challenge of decluttering your home easily and quickly as we cover speeding up your decluttering process and popular minimalist challenges in this episode.

🎙️ Get full show notes here! 
https://bit.ly/48SqKKo

💌 Want to save money and spend better in just 5 minutes? 
https://www.frugalfriendspodcast.com/friendletter

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Surprisingly, not a lot of people know how to run. Some think runners break their toenails when they join a marathon, or worse, urinate in the middle of it! Tighten up your shoelaces; we’re going for a run with Martinus Evans as he shares his journey in running, his goal of making it an accessible sport and fitness for everyone, and ways to spend less on your equipment.

🎙️ Get full show notes here! 
https://bit.ly/46Oug6V

💌 Want to save money and spend better in just 5 minutes? 
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Always had a problem landing on your budget goal? Have you taken a detour that has affected your overall savings? All of this will lead us to the pit of our spending decisions. In this episode, we'll soar high and feel at ease as we put our good money habits on autopilot and become efficient with our next spending. 

🎙️ Get full show notes here! 
https://bit.ly/48O2TeK

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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Aliens will soon take over our world? No, it’s probably AI. As robots and AI continue to thrive in the digital realm, there are also ways we can incorporate them into our finances. In this episode, we dive into one of the most popular AI chatbots as of today, ChatGPT. Join us as we uncover ways for you to utilize them to save money by writing creative yet strategic prompts.

🎙️ Get full show notes here! 
https://bit.ly/3PNgvP4

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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Adoption is a beautiful door leading for families to grow and change lives, but the road to one sometimes comes with complex and daunting challenges. A newly covered topic for this episode, we will get to know Amanda Koval, an adoptive mom of two children who has helped over a thousand families with their adoption journey. In this interview, we explore ways to plan finances when deciding to pursue adoption.

🎙️ Get full show notes here! 
https://bit.ly/46yZYER

💌 Want to save money and spend better in just 5 minutes? 
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We are facing a worldwide economic crisis while still recovering from the pandemic that is gravely affecting most of us. Managing money intersects with our mental health, along with other life challenges we are trying to overcome. In this episode, we explore the reality and impact of inflation, its relation to our mental health, and ways to manage money with anxiety. 

🎙️ Get full show notes here! 
https://bit.ly/45aPbj2

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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No one randomly forgets the season and goes out in shorts and slippers during winter. We prepare and embrace the season, just as we should with unexpected and inevitable life circumstances. While we make things happen, life can also happen to us. In this episode, we will honor our seasons and discover how we will use them to navigate our finances and goals.

🎙️ Get full show notes here! 
https://bit.ly/3EROUHf

💌 Want to save money and spend better in just 5 minutes? 
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When we talk about buying second-hand items, we automatically think of going to thrift stores or your neighbor’s yard sale, but there is a hidden gem of the resale world that often goes overlooked: estate sales. In this episode, we introduce you to estate sales’ own flavor of goodness in buying secondhand, ways to find and engage in them, and our very own experiences on hosting and buying on estate sales.

🎙️ Get full show notes here! 
https://bit.ly/463yiZ5

💌 Want to save money and spend better in just 5 minutes? 
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Ready to challenge yourself for a No-spend October? As we bid farewell to this month, we will soon feel the festive spirit of the remaining holidays of this year. The biggest obstacle to success in this challenge is your commitment and discipline, but the Frugal Friends believe in you. Together, let’s discover ways to prepare for your next no-spend challenge and the secret to finishing it with success!

🎙️ Get full show notes here! 
https://bit.ly/3sWU3uN

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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Wanna level up your negotiation game? We've got you covered. In this episode, Jen and Jill discuss the power of negotiation and how it can help save money, earn more, and improve people skills. Don't miss it as we share valuable tips on identifying negotiation opportunities, gathering information on deals, and learning how to negotiate like a pro.

🎙️ Get full show notes here! 
https://bit.ly/3r9iK72

💌 Want to save money and spend better in just 5 minutes? 
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Self-publishing is a game-changer— empowering aspiring authors and writers to fully take control of their literary dreams and passions. The best part of it is that you can still embark on this side hustle with frugality! Dive into this new side hustle and explore all things self-publishing with M.K. Williams, a full-time self-published author and creator of "Author Your Ambition."

🎙️ Get full show notes here! 
https://bit.ly/480fEm3

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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It takes both knowledge and practice to fully understand and live by what you have learned. While we always talk about frugality, we also want to teach you how to adopt a frugal mindset. Allow yourself to be curious in this episode as we break down ways to live with a frugal mindset, the barriers, and its importance in making smarter financial decisions.

🎙️ Get full show notes here! 
https://bit.ly/3sQMPsu

💌 Want to save money and spend better in just 5 minutes? 
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
https://www.frugalfriendspodcast.com/ebook

📣 Submit your bill of the week and get a shoutout from us 
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Self-care and wellness have become buzzwords on social media, but along with healthcare, most of the costs can feel sky-high. But trust us to spill the beans on how you can pamper yourself and stay healthy without emptying your wallet, or even better, without having to spend anything at all! Jen and Jill will tell you all the tips and juiciest secrets on getting self-care and healthcare treatments at a low cost or for free.

🎙️ Get full show notes here! 
https://bit.ly/3r44Brt 

💌 Want to save money and spend better in just 5 minutes? 
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
https://www.frugalfriendspodcast.com/ebook

📣 Submit your bill of the week and get a shoutout from us 
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Many people fear using their credit due to misconceptions surrounding this strong financial tool, not realizing the power of having a good credit score to save money. There’s no need to run off when you hear the word credit, because Michelle Lambright, founder of CreditWriter and a leading credit speaker and expert for more than two decades, is going to enlighten you on credit scores, the system, how to improve them, and their benefits for our finances.

🎙️ Get full show notes here! 
https://bit.ly/45zsxSa

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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There are a wide range of personal finance books teaching you about money numbers and mathematical equations to guide you to your financial goals, but our minds have a lot more to do with our personal finances than math does. Tune in as the Frugal Friends will give you another round of interesting book recommendations that excellently discuss the intersection of the psychology of money and personal finance.

🎙️ Get full show notes here! 
https://bit.ly/45QbKKL

💌 Want to save money and spend better in just 5 minutes? 
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📑 Get our FREE Modern Frugal Living eBook here! 
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Student loan interest is just around the corner, and as always, we've got your back! This won’t just be about your debt; it is for everyone trying to incorporate their student loan payments into their budget and financial goals. In this episode, let’s talk about all things student loans, debt, and prioritization to live an intentional and values-based spending life!

🎙️ Get full show notes here! 
https://bit.ly/45Hcmm8

💌 Want to save money and spend better in just 5 minutes? 
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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Women, especially mothers, often struggle to recognize their worth because of the expectations society has bestowed on them. In this episode, Cat Collins, an award-winning blogger, writer, speaker, and mom, unravels with us what women, especially moms, are capable of doing, from their finances to all aspects of their lives as mothers— which is more than they ever thought.

🎙️ Get full show notes here! 
https://bit.ly/45NeZmp

💌 Want to save money and spend better in just 5 minutes? 
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
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Life always takes us by surprise, and every now and then, it blesses us with windfalls. Whether you receive rebates, tax returns, a loved one leaving you an inheritance you didn’t anticipate, or even a stroke of luck in the lottery, these windfalls can leave us both excited and wondering what to do next with them. We will win you over with another rich episode as we guide you in knowing the next wise and most frugal way to manage the money you have unexpectedly received.

🎙️ Get full show notes here! 
https://bit.ly/45AEW8k

📑 Get our FREE Modern Frugal Living eBook here! 
https://www.frugalfriendspodcast.com/ebook

📣 Submit your bill of the week and get a shoutout from us 
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See omnystudio.com/listener for privacy information.

In a world constantly trying to find and stick with its extremes, why not enjoy the best of both worlds? The radical middle applies to both our financial decisions and the choices we make every day. In this episode, Jen and Jill share the definition of the radical middle, its importance to our finances, and applying it to our lives–not just the middle but all sides of finding the radical middle. 

🎙️ Get full show notes here! 
https://bit.ly/45fy68N

💌 Want to save money and spend better in just 5 minutes? 
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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Make your Disney dreams come true! Jen & Jill team up with Disney expert Lou Mongello to uncover the ultimate secrets of doing Disney on a budget. From trimming down ticket costs to revealing the secrets behind scoring budget-friendly hotels, dining, and adventures, we've got all the insider tips to make your Disney experience unforgettable. Grab your mouse ears and listen in. 🏰

🎙️ Get full show notes here! 
https://bit.ly/3OCioNV

💌 Want to save money and spend better in just 5 minutes? 
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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See omnystudio.com/listener for privacy information.

In this episode, Jen and Jill delve into this thought-provoking subject: the feeling of struggling financially despite having a substantial six-figure income. Join us as they discuss the mindset behind feeling "broke" and explore why it seems like our income never quite measures up to our expectations. 

🎙️ Get full show notes here! 
https://bit.ly/3OS0Uye

💌 Want to save money and spend better in just 5 minutes? 
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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Join Jen and Jill as they talk all things rent! With rent prices increasing across the board, finding ways to cut expenses on housing is crucial. Discover the latest trends in housing preferences and learn some tips to save money on rent such as knowing the market and practicing negotiation. And don't miss the hilarious "slow twerking" technique!

🎙️ Get full show notes here! 
https://bit.ly/3DOJfBi

💌 Want to save money and spend better in just 5 minutes? 
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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You're in for a frugal fiesta in this special Frugal Friends episode! Jen and Jill revisit their 2021 Frugal Living Summit interview with Poised Finance Lifestyle's millennial Latina mom, Sahirenys Pierce, who shares her High-5 Banking Strategy that simplifies your savings. Give yourself a high-5 today!

🎙️ Get full show notes here! 
https://bit.ly/3QpU8kC

💌 Want to save money and spend better in just 5 minutes?
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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Hesitating to buy a new car? Guilty of spending money on a latte on your way home? Discover guilt-free and unashamed spending habits through your own values. Learning how to spend with intention does not only benefit our finances but also our overall well-being and connections with other people. In this episode, Jen and Jill laid out the blueprint for values-based spending and its significance in living an intentional frugal life.

🎙️ Get full show notes here! 
https://bit.ly/3O8TCop

💌 Want to save money and spend better in just 5 minutes?
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📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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People that are frugal are frequently labeled as bad tippers or cheap. When the pandemic struck, tipping became a hot topic, sparking deeper and more complex discussions about gratuity. As your best frugality companions, we'd like to dispel the idea that we're bad tippers. This episode will help you become a better tipper by making you wiser and more well-informed about it.

🎙️ Get full show notes here! 
https://bit.ly/3pUimsd

💌 Want to save money and spend better in just 5 minutes?
https://www.frugalfriendspodcast.com/friendletter

📑 Get our FREE Modern Frugal Living eBook here! 
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📣 Submit your bill of the week and get a shoutout from us 
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See omnystudio.com/listener for privacy information.

Join us in this episode as we chat with Brad Barrett, co-host of ChooseFI, about the ever-evolving concept of financial independence. In this conversation, Brad shares how things have evolved over the past decade and what financial independence means today. Whether you're new to the concept or looking for new perspectives, we've got valuable insights and practical tips to help you on your journey to financial freedom. Don't miss it!

🎙️ Get full show notes here! 
https://bit.ly/3DtWR4R

📑 Get our FREE Modern Frugal Living eBook here! 
https://www.frugalfriendspodcast.com/ebook

📣 Submit your bill of the week and get a shoutout from us 
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Which is more realistic: unicorns or a budgeting philosophy that's tailored to your values? Clearly, it's the values-based budgeting approach. In this episode, we guide you through identifying your core values, evaluating your spending habits, trimming what doesn't align, and how you can start living the life you want RIGHT NOW. Join Jen and Jill as frugality meets purpose in this episode.

🎙️ Get full show notes here! 
https://bit.ly/3O73EqZ

📑 Get our FREE Modern Frugal Living eBook here! 
https://www.frugalfriendspodcast.com/ebook

📣 Submit your bill of the week and get a shoutout from us 
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Calling all personality test nerds! Today’s episode explores spending habits through a fresh, fun lens - Enneagram types! These bad boys not only reveal your personality type but also provide a sneak peek into your spending style. It’s like having a secret weapon to power up your money moves! Tune in to Jen & Jill and discover how your Enneagram type can change the way you approach your finances.

🎙️ Get full show notes here! 
http://bit.ly/3XCuFpy

📑 Get our FREE Modern Frugal Living eBook here! 
https://www.frugalfriendspodcast.com/ebook

📣 Submit your bill of the week and get a shoutout from us 
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See omnystudio.com/listener for privacy information.

Want to turn your love for numbers into a money-making side gig? Try bookkeeping! In this special Frugal Side Hustle episode, Kate Johnson joins Jen & Jill to get into the art of bookkeeping. Learn everything you need to know to kickstart your bookkeeping journey and unlock the potential for a thriving side hustle! Listen in as Kate, Jen, and Jill explore the ins and outs of bookkeeping.

🎙️ Get full show notes here! 
bit.ly/44vcS5L

📑 Get our FREE Modern Frugal Living eBook here! 
https://www.frugalfriendspodcast.com/ebook

📣 Submit your bill of the week and get a shoutout from us 
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Caught yourself staring at your filled online shopping cart? Received another discount premium membership email on your go-to online site? Maybe it’s time we reignite our creativity, as this episode offers plenty of options before you click checkout on your Amazon cart. Prepare your notes as Jen and Jill give ways to reduce our online shopping and offer alternative sites you can browse through on your next shopping! 

🎙️ Get full show notes here! 
https://bit.ly/44nfD9r

📑 Get our FREE Modern Frugal Living eBook here! 
https://www.frugalfriendspodcast.com/ebook

📣 Submit your bill of the week and get a shoutout from us 
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💸 Check out our monthly challenge community 
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