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Speaker 1: My Frugal February results and why this changed everything. Hi everyone,

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Speaker 1: and welcome back to Sugar Mama's Fireplay. I'm your host's

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Speaker 1: financial planner, Canna Campbell, and today i'man to share with

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Speaker 1: you my results from doing my annual financial fast challenge

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Speaker 1: Frugal February. Now I need to confest something with you.

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Speaker 1: I have a love hate relationship with Frugal February. Every

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Speaker 1: year I commit, and every year I find myself questioning

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Speaker 1: halfway through it, and every year I'm reminded as to

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Speaker 1: why I do it. But this year was very different.

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Speaker 1: This year felt calmer, clearer, and way more intentional. And

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Speaker 1: I think that's because I actually really needed Frugal February.

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Speaker 1: We'd come off the back of Christmas, which was a

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Speaker 1: very expensive time the year, obviously, school holidays and all

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Speaker 1: those expensive school holiday activities to keep children active and outside,

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Speaker 1: ideally off screens. And of course we've got the continued

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Speaker 1: rising cost of living and the constant inflation pressures coming

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Speaker 1: like left, right and center. And even as a financial

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Speaker 1: planner with over twenty something years experience, I really did,

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Speaker 1: deep down need something that forced me to stop, or

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Speaker 1: at least slow down and look at our household living

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Speaker 1: expenses again, and my goal this year was to save

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Speaker 1: four hundred dollars. Now, I'll be honest, this was very

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Speaker 1: much will definitely felt like low hanging fruit for me,

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Speaker 1: because in previous years I've always aimed to try and

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Speaker 1: save like one thousand dollars. But the reality for us

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Speaker 1: is in my home, my family, and I think so

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Speaker 1: many other households too, is that we've all been living

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Speaker 1: in frugal mode for the last like fourmost five years.

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Speaker 1: So I genuinely didn't think i'd actually be able to

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Speaker 1: find much more than four hundred dollars. I even thought

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Speaker 1: four hundred dolls was a big stretch, because you know,

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Speaker 1: everything is so expensive already and we're already being incredibly tight.

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Speaker 1: But fortunately I was wrong, and I was so glad

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Speaker 1: I was wrong. So I want to share with you

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Speaker 1: exactly how much I saved, and where I found these savings,

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Speaker 1: what I'm doing with these savings, and what I recommend

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Speaker 1: for you if you need to look at your budget

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Speaker 1: and cash flow and work out where to redirect your

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Speaker 1: newfound savings. So let us begin, all right. So the

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Speaker 1: first thing I did was I went back to the basics.

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Speaker 1: I reviewed our family budget, but I cross referenced every

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Speaker 1: single expense against our transactions, so I knew that nothing

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Speaker 1: was missing. And because we run a joint family account,

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Speaker 1: which is something I strongly preach and teach inside the

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Speaker 1: Sugar Mamma Budget and cash Flow Academy, this actually made

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Speaker 1: it really quick and easy to do because it was

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Speaker 1: only one account that I needed to check. It was

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Speaker 1: like one snapshot and I had full visibility, and I

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Speaker 1: went through every single transaction and every single expense in

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Speaker 1: our budget. I questioned everything, No, could this be reduced?

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Speaker 1: Could this be reduced temporarily? Could this be reduced permanently?

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Speaker 1: Could this be completely remote and cut out? Is this

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Speaker 1: actually a line to our spending habits? Do we love

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Speaker 1: values and appreciate it? Now? I will admit at first

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Speaker 1: I felt so deflated and frustrated and even a little

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Speaker 1: bit like pissed off because there were so many expenses

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Speaker 1: in our budget that I'd already done this too and

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Speaker 1: brought them down as much as they could. And there

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Speaker 1: were a lot of fixed expenses that I had to

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Speaker 1: just accept that's what they are, like daycare and private

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Speaker 1: health insurance. And of course yes I could cut down

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Speaker 1: on private health insurance, but I didn't want to compromise

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Speaker 1: on the quality. And of course things like after school

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Speaker 1: care fees. No, they are non negotiables right now and

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Speaker 1: we can't budge their fixed And I think that's really

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Speaker 1: important to say that, because frugality isn't about cutting essentials.

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Speaker 1: It's about challenging the autopilot where we just you know,

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Speaker 1: sit there and accept certain things. But anyway, I kept pushing,

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Speaker 1: and my first real win was calling our gas and

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Speaker 1: electricity provider, Origin Energy. So I called them. I had

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Speaker 1: to sit on hold for twenty minutes, but just popped

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Speaker 1: my AirPods in and you sat there working at my desk,

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Speaker 1: so I wasn't wasting any time, and I'm glad I

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Speaker 1: did that. So I would be annoyed at myself. But

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Speaker 1: within about five minutes of talking to a human being

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Speaker 1: and calmly saying that I was reviewing my options thinking

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Speaker 1: of leaving, they offered me a sixteen percent discount off

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Speaker 1: my energy plan and eleven percent off my gas plan.

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Speaker 1: Like that was instantly applied on the spot, Like I

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Speaker 1: was sent the new contract within a minute of hanging up.

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Speaker 1: Now I worked out that would save us over ninety

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Speaker 1: dollars per month, so that one phone call created some

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Speaker 1: reoccurring savings beyond the wonderful joy of Frugal February. And

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Speaker 1: here's the powerful part. The moment I hung up the phone,

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Speaker 1: I transferred the equivalent amount to my Frugal February account

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Speaker 1: and I made sure I nicknamed that transaction so I

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Speaker 1: could review it the end of the month, as I'm

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Speaker 1: doing now to let you know. And it was really

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Speaker 1: insightful to be able to see all the different nicknames

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Speaker 1: where all my savings came from, both big and small.

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Speaker 1: But my point is I transferred that money immediately on

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Speaker 1: the spot, no waiting, No I'll do it at the

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Speaker 1: end of the day, I'll do it later when I

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Speaker 1: picked up the kids, or that I did it. I

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Speaker 1: stopped everything, picked up my phone and transferred it and

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Speaker 1: gave it a nickname in the transaction description. So that

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Speaker 1: instant transfer then changed everything because I could see the

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Speaker 1: birth of Frugal February like already kicking off. And this

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Speaker 1: got me really excited because when you can see the progress,

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Speaker 1: it makes it so much easier to stay committed. In fact,

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Speaker 1: it actually gamifies it and makes it addictive. And a

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Speaker 1: challenge where you want to just keep going, what else

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Speaker 1: can you do? What else can you do? And you

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Speaker 1: like leave literally no stone unturned. So of course I

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Speaker 1: didn't just stop there, and I moved on to the

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Speaker 1: next phone call, which was to my mortgage broker, Adam McCabe.

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Speaker 1: And you've had a home loan for a while, one

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Speaker 1: of the most powerful places to find savings is looking

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Speaker 1: at the interest rate, both negotiating a lower interest rate

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Speaker 1: with your resisting mortgage provider or possibly refinancing. And that's

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Speaker 1: why you really do need a great mortgage broker with

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Speaker 1: a huge amount of experience that can run all the

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Speaker 1: numbers and work out all the pros and cons few

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Speaker 1: and whether they're aligned to your goals. Now here's what

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Speaker 1: I love about working with a great mortgage broker. And

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Speaker 1: obviously my mortgage broker is Adam McKay from Blue Lantern.

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Speaker 1: When I called him, he was actually already on the case.

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Speaker 1: I didn't even need to ask him. Before I had

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Speaker 1: even spoken to him. He'd actually already been reviewing our

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Speaker 1: loans and looking at opportunities to restructure, in particular one

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Speaker 1: of our investment loans, and what he uncovered was this

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Speaker 1: by refinancing and restructuring one of our investment loans, that

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Speaker 1: is like aligning it more strategically with our long term

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Speaker 1: debt reduction plans, which includes the investment debt coming down.

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Speaker 1: We're going to save approximately two hundred dollars per month. Now,

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Speaker 1: admittedly this is going to take at least a month

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Speaker 1: to set up because it does involve going back through

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Speaker 1: the bank, so I haven't been able to include this

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Speaker 1: money in my frugal February savings. But that is potentially

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Speaker 1: another two hundred dollars per month savings on top of

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Speaker 1: the ninety dollars per month. And this is where people really

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Speaker 1: underestimate the power of refinancing and asking for a better deal.

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Speaker 1: This wasn't just actually about chasing a law rate. It

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Speaker 1: was actually about realigning our loan structure with our financial

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Speaker 1: strategy and our financial goals at the forefront of our mind.

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Speaker 1: So what a huge double blessing to come out of this.

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Speaker 1: And if you want Adam's details again, I'm going to

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Speaker 1: link them in the podcast notes that you can reach

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Speaker 1: out to him at any time and see how much

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Speaker 1: you could potentially save. So if you haven't reviewed your

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Speaker 1: mortgage in the last, say twelve months. Can I genuinely

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Speaker 1: encourage you to have a look on your loan provider's

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Speaker 1: website see what they're offering new customers, like the honeymoon

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Speaker 1: rate for new customers, and if it is lawer then

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Speaker 1: what you're currently paying, call them up and ask them

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Speaker 1: to match the rate or beat the rate, which would

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Speaker 1: be even better. And if you get a no, all right,

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Speaker 1: call a mortgage broker, call Adam, go and find a

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Speaker 1: better deal. Because loyalty tax is incredibly expensive and for will,

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Speaker 1: February's the perfect time to give this a great crack

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Speaker 1: and find some brilliant savings that you can then redirect

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Speaker 1: towards helping pay off your mortgage sooner. And even the

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Speaker 1: smallest change in reduction in interest rates makes a massive

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Speaker 1: difference over the long run. So combining our ninety dollars

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Speaker 1: per month savings from utilities and the two hundred dollars

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Speaker 1: from when we refinance and get that all set up correctly,

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Speaker 1: there's two hundred and ninety dollars per month in reoccurring savings.

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Speaker 1: That is powerful, That is compounding, and that is a

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Speaker 1: strategic frugality if you like now. Once I saw close

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Speaker 1: to three hundred dollars per month. Savings ignited something deep

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Speaker 1: with them in me. It was like it became a

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Speaker 1: whole new game. And I found for fifteen dollars of

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Speaker 1: the savings through rebels Sport because I am a loyal

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Speaker 1: customer of Rebel Sport and every time I shop there,

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Speaker 1: I quote my mobile phone number and it collects points

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Speaker 1: and I was able to tap into an additional discount

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Speaker 1: on school shoes, so again on the spot, it was

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Speaker 1: immediately transferred. I also used up our vouchers. We had

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Speaker 1: some gift vouchers yo Chi gift vouchers, so I use

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Speaker 1: those instead of spending cash, and that saved me during

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Speaker 1: the month because we do love going to Yochi. That

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Speaker 1: actually saved me sixty dollars during this month. And again

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Speaker 1: each time I saved money, I transferred the equivalent to

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Speaker 1: my frugal February account. Another thing happened where I decided

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Speaker 1: to drive to an event rather than catching an uber,

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Speaker 1: and yes I had to pay for parking, but I

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Speaker 1: saved about twenty dollars and doing that, and I also

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Speaker 1: opped my steps to the day because I had to

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Speaker 1: walk quite far to the event from the car park. Also,

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Speaker 1: I had another great win along the way. A daycare

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Speaker 1: event was canceled last minute, and I'd actually allocated about

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Speaker 1: eighty dollars to spend at food at this particular event.

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Speaker 1: So because that event was canceled, I transferred the money

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Speaker 1: into my Frugal February account. I also had a really

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Speaker 1: quiet weekend in this is when Tom was away, so

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Speaker 1: it actually made a lot easier and I just kept

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Speaker 1: it really nice and soulful and simple with the girls

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Speaker 1: and just hanging at the beach, going to the park,

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Speaker 1: doing play dates, just like hanging out and you know,

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Speaker 1: be doing arts and craft playing in the background, and

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Speaker 1: that whole entire weekend. I can't believe this. I only

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Speaker 1: spent fifty dollars which actually went to charity. So the

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Speaker 1: money that I had allocated from weekly spending out of

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Speaker 1: our budget, which again something I teach and preach in

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Speaker 1: the Sugar Mamma Budget and cash Flow Academy, I was

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Speaker 1: able to transfer to our Frugal February. So got to

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Speaker 1: love a quite slow weekend. It's also really good for

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Speaker 1: the soul. And so the very last week of Frugal February,

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Speaker 1: I kept on trying every week to cut our grocery

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Speaker 1: bill down and I just couldn't. Sometimes I even went over.

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Speaker 1: Then I'd just go under and level out all my

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Speaker 1: hard work. But in the last week of February, I

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Speaker 1: went aggressively and I pantry shopped, you could call it.

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Speaker 1: So I went through the freezer, I went through the fridge,

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Speaker 1: I went through the pantry. I prioritized slow hooker meals

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Speaker 1: and a Thermer mix which makes a delicious resort by

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Speaker 1: the way, with no meat. And I delayed our grocery shop,

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Speaker 1: which is our big grocery shop that I typically do

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Speaker 1: on a Sunday evening, and just by doing that a

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Speaker 1: loan I managed to, just in the nick of time,

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Speaker 1: save eighty dollars, so again I transferred that to the

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Speaker 1: frugal February acount. Now excluding the mortgage reduction saving which

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Speaker 1: is still in progress. Thanks to Adam, I have saved

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Speaker 1: proudly as an upfront amount three hundred and ninety five dollars,

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Speaker 1: so I almost hit my four hundred dollar goal. But

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Speaker 1: something really cool that was unexpected like happened out of

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Speaker 1: the blue. Our weekly cleaner had to go overseas last minute,

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Speaker 1: so instead of replacing her for two weeks, I cleaned

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Speaker 1: the house myself. Now, before you start rolling your eyes going, oh,

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Speaker 1: well done, Catna, let me just say this very very clearly.

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Speaker 1: I am incredibly grateful to be in the position to

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Speaker 1: afford help. And as a working parent of three young children,

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Speaker 1: three big dogs, and a husband who travels overseas fifty

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Speaker 1: percent of the time, and even when he is home,

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Speaker 1: he's working like a madman. I'm on my own a lot,

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Speaker 1: and the life admin is huge in our house. The laundry,

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Speaker 1: dog hair, the school life admin is insane. And I

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Speaker 1: don't have any family at all helping me whatsoever, and

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Speaker 1: not do I have, you know, a babysitter or nanny anymore.

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Speaker 1: So this type of support in domestick duties is an

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Speaker 1: investment in my mental health and I value this type

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Speaker 1: of help and are cleaner so deeply. But for two

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Speaker 1: weeks I cleaned our home. It was hard work. I

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Speaker 1: realized how and dirty we are. But I saved six

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Speaker 1: hundred dollars, and yes, it changed my weekends. My weekends

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Speaker 1: were a different type of workout. It was exhausting, and yes,

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Speaker 1: it made me appreciate her so much more. But that

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Speaker 1: six hundred dollars was too powerful amount to ignore, especially

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Speaker 1: during frugal February. And even if this happened again during

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Speaker 1: the year, despite it being not being frugal February, I

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Speaker 1: think I'll do it again. But again. Of course, what

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Speaker 1: I did was immediately transferred that savings six hundred dollars.

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Speaker 1: Seeing that number increased my bank balance of my frugal

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Speaker 1: Februar account, shifted something inside me, you know, seeing that number,

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Speaker 1: It's suddenly frugal February stopped feeling restrictive like it has

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Speaker 1: in the past. It felt powerful, it felt impactful. Now

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Speaker 1: I need to share with you the setbacks because obviously

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Speaker 1: I've saved a lot of money. I'm really proud of myself,

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Speaker 1: but this wasn't exactly perfect. Pablo are very cheeky chocolate

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Speaker 1: labord or puppy. If you ever had a larbort or puppy,

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Speaker 1: you'll know how mischievous they can be, and they could

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Speaker 1: be a wrecking ball. He chewed to get this through

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Speaker 1: my friend's tupper wear boxes, not just one type of

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Speaker 1: wear box, six tuper wear boxes. So of course, like

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Speaker 1: any good friend, I replaced it. I replaced it. I

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Speaker 1: made a bulk order on Amazon and they arrived, but

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Speaker 1: guess what happened. The Amazon box was delivered at my

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Speaker 1: front door. He got out of the house, got to

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Speaker 1: the box and chewed through the box, and then chewed

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Speaker 1: the replacement tupperware containers, so another loss. I had to

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Speaker 1: order them all over again. Also, during Frugal February, Rocco

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Speaker 1: needed basketball shoes. Now I had never bought basketball shoes before.

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Speaker 1: I was thinking, oh, you know, we'll just go and

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Speaker 1: get you know whatever, It'd be fine. I'd be like,

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Speaker 1: what one hundred dollars? I almost died when I realized

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Speaker 1: the average price of basketball shoes was two hundred and sixty.

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Speaker 1: It was just a horrified and I actually was a

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Speaker 1: good lesson for me to learn about boundaries because he

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Speaker 1: also needed new runners. But I actually said to him,

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Speaker 1: to him the budget and how we have to stick

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Speaker 1: to it and respect it, and I agreed that there

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Speaker 1: should be a boundary in place where that some of

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Speaker 1: that cost or the second pair of shoes can be

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Speaker 1: then funded by his father, which actually were less expensive

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Speaker 1: than the basketball shoes. But you know, we had another

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Speaker 1: incident as well during for a Girl February, where Rocco

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Speaker 1: has just started a new school and his new school

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Speaker 1: is quite a fair way away from our home and

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Speaker 1: he has to catch a special bus. There's only one

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Speaker 1: bus and if he misses that bus will take him

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Speaker 1: about two hours to get to school because of the

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Speaker 1: logistics of peak out traffic. Now he was running lad

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Speaker 1: it was his second week of this new school, new routine.

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Speaker 1: There was a lot of pressure and stress and he's

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Speaker 1: doing really well, but the poor thing slept in so

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Speaker 1: I had to get him an uber, pay for an

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Speaker 1: uber to get him to the bus stop on time.

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Speaker 1: Now I know that sounds a little bit ridiculous and

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Speaker 1: even a wasteful situation, but it was again one of

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Speaker 1: these situations where I was solo parenting and it was

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Speaker 1: six thirty in the morning and the two girls, Apple

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Speaker 1: and Tiger was still fast asleep, so I couldn't pull

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Speaker 1: them out of bed to get Roco to the bus

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Speaker 1: stop in time because you would normally get a bus

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Speaker 1: to catch the bus. So there was again twenty dollars wasted,

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Speaker 1: and then obviously that impacted my savings. So here's the

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Speaker 1: key savings happened during Frugal For every brilliant newfound savings

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Speaker 1: which I am so proud of, but there are also

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Speaker 1: were some slip ups, some mishaps where I was perhaps

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Speaker 1: a little bit disorganized, didn't plan correctly and didn't just

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Speaker 1: think about things safely logistically, like not letting Pablo out

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Speaker 1: to get to the Amazon delivery person. But each opportunity

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Speaker 1: is an opportunity to learn a lesson and get wiser.

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Speaker 1: But here's the key. These setbacks didn't actually derail me

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Speaker 1: in my progress and passion for Frugal February, just especially

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Speaker 1: as it had been reignited. And also it made me

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Speaker 1: really respect the financial float that we have as a family.

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Speaker 1: We have a everyday family account, which is where all

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Speaker 1: our salary gets deposited and our big expenses on a daily, weekly,

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Speaker 1: fortnoly monthly come out, and then we have something called

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Speaker 1: a financial float where we put money and every time

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Speaker 1: we get paid. And this is like a stock part system.

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Speaker 1: It's our cash flow system that helps us stick to

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Speaker 1: our budget but also helps build really safe, wise, intelligent,

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Speaker 1: proactive buffers when stressful things happen. But also the natural

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Speaker 1: ebbs and flows in life that come with irregular ad

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Speaker 1: hoc expenses like basketball shoes. So what I realized through

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Speaker 1: doing Frugal February and having to rely and lean on

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Speaker 1: my financial float account. Is that systems are really important

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Speaker 1: when it comes to sticking to a budget and finding

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Speaker 1: ways to intentionally save money. Frugality about a buffer is

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Speaker 1: always going to feel hectic, chaotic and stressful, but when

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Speaker 1: you have an operate in a frugal way with a system,

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Speaker 1: it actually feels really empowering. And I am so grateful

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Speaker 1: for this cash flow system that I follow and created

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Speaker 1: many many years ago, because I wouldn't have those savings

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Speaker 1: at all. In fact, I would have gone backwards if

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Speaker 1: I didn't have that financial float account. So what are

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Speaker 1: the big lessons behind all of this? Well, this month

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Speaker 1: taught me something important. Joyful frugality requires smart intelligence planning.

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Speaker 1: It requires clear upfront communication, It requires time getting organized

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Speaker 1: and planning in advance, and it does of course it

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Speaker 1: requires self control. No, Tom and I had to communicate

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Speaker 1: about frugal February. You know, there were moments where he

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Speaker 1: wanted to head out to the supermarket again because he

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Speaker 1: was in a mood and felt like cooking up an

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Speaker 1: expensive piece of meat. I had to remind him, no,

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Speaker 1: can we please do something a bit different. We're doing

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Speaker 1: frugal February. So we had to, you know, really make

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Speaker 1: sure that we were very clear with each other about

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Speaker 1: avoiding unnecessary top ups. I also had to speak to

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Speaker 1: the kids, you know, when Apple wanted to buy some

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Speaker 1: more books, I had to really gently reminder that we

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Speaker 1: have shelves of unread books. And also it's something really

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Speaker 1: special and nice about reconnecting with books that we have

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Speaker 1: already read together and absolutely loved. And interestingly, I connected

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Speaker 1: with my wardrobe too. I of course didn't buy any

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Speaker 1: clothes during this month, and that's not abnormal for me,

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Speaker 1: and I actually found myself intentionally wearing pieces that I

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Speaker 1: hadn't prioritized wearing in years, Like I found a playsuit

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Speaker 1: that I was I think about maybe twelve years old

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Speaker 1: that I put back on, and it felt like I

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Speaker 1: was reconnecting with an old friend. And it really did

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Speaker 1: remind me that most of us don't actually need anymore.

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Speaker 1: What we just sometimes need is more awareness. And for me,

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Speaker 1: that was powerful, That was beautiful, and it just, I

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Speaker 1: guess rekindled my connection with the frugality that I'm always

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Speaker 1: in denial about. So in a nutshell ups and downs, savings,

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Speaker 1: step backwards, step forward, stepped to the side. How much

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Speaker 1: did I really say, well, after the uber setback, it's

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Speaker 1: three hundred and seventy five dollars. If I included not

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Speaker 1: buying clothes four hundred and seventy five dollars, and if

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Speaker 1: I included the two weeks of no cleaning bills one

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Speaker 1: thousand and sixty five dollars. Now that money is proudly

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Speaker 1: and safely sitting in my frugal February account because I

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Speaker 1: immediately transferred those savings on the spot. And the two

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Speaker 1: hundred and ninety dollars in ongoing monthly savings, Oh my gosh,

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Speaker 1: you gotta listen to this. If I applied that two

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Speaker 1: hundred and nine dollars per month in savings towards an

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Speaker 1: the average Australian mortgage, which is six hundred and fifty

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Speaker 1: thousand dollars at an average interest rate of six point

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Speaker 1: five percent, which includes the recent interest rate rise over

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Speaker 1: a thirty year term, Guess how much that would save

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Speaker 1: me and potentially save you if you're in a similar

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Speaker 1: situation like this, it would save you over one hundred

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Speaker 1: and sixty three thousand dollars in interest and cut four

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Speaker 1: years and nine months off the loan term. Wow, just

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00:19:31,400 --> 00:19:34,800
Speaker 1: from two hundred and ninety dollars. Now, that is the

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00:19:34,840 --> 00:19:40,000
Speaker 1: power of reoccurring savings when they are planned and intentionally

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00:19:40,200 --> 00:19:44,320
Speaker 1: redirected towards your financial goals, and of course backed by

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Speaker 1: financial education and advice. So the frugal Verebruary savings of

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Speaker 1: one thousand and sixty five dollars is not just going

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Speaker 1: to sit there doing nothing. It will be invested into

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Speaker 1: my one thousand dollar project. And for those of you

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Speaker 1: who don't know what one thousand dollar project is, this

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Speaker 1: portfolio is now worth three one hundred and sixty five

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Speaker 1: thousand dollars. It's a diversified share portfolio that I have

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00:20:03,840 --> 00:20:07,159
Speaker 1: literally built one thousand dollars at a time, not in

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Speaker 1: one dramatic lump sum, but incrementally, consistently and methodically and frugal.

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Speaker 1: February Thank you has now just created another one thousand

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Speaker 1: dollars to this portfolio, which means more dividends, more compounding,

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Speaker 1: and more passive income. And that is why I really

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Speaker 1: do recommend that instant transfer. When you find savings, it

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Speaker 1: really does matter, and it really does make a big difference.

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Speaker 1: And when savings stay in your transaction account, they disappear.

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Speaker 1: As I say, often they evaporate, they get redirected somewhere else,

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Speaker 1: and they're still wasted and you never get to have

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Speaker 1: that dopamine, fun gamifying hit of those true frugal savings.

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Speaker 1: But when you can intentionally move them, redirect them, whether

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Speaker 1: it be into your super account, whether it be towards

401
00:20:55,200 --> 00:20:58,840
Speaker 1: your mortgage or like me, an investment account, they really

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Speaker 1: do grow. They grow for you. So am I proud

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Speaker 1: of myself this year? One hundred percent? Yes, I really

404
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Speaker 1: surprised myself. Not because I deprived myself, not because I

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Speaker 1: cut essentials, and not because I made everyone miserable like

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Speaker 1: I have in the past, but because I stayed intentional,

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Speaker 1: I stayed positive. Frugal February this year was not about punishment.

408
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Speaker 1: It was about awareness. It was about momentum. It was

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Speaker 1: about systems, my budget and cash flow system, and about

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Speaker 1: having clarity as to what that money was going to

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Speaker 1: and why, and watching all those small efforts compounding into

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Speaker 1: something really powerful. So if you're feeling a little bit

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Speaker 1: stretched right now financially, just pick up the phone. Start

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Speaker 1: with one phone call, one review, one transfer, because small

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Speaker 1: actions today become financial freedom for yourself tomorrow. All right, everyone,

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Speaker 1: thank you so much. For listening, and please let me

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Speaker 1: know how you went with Frugal February. I am dying

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Speaker 1: to hear s