Speaker 1: Episode on what is frugality really and is it right
Speaker 1: for you? Welcome to the Frugal Friends podcast, where you'll
Speaker 1: learn to save money, embrace simplicity right, and liver with
Speaker 1: your life. Here your host Jen and Jill m M.
Speaker 1: Welcome to the Frugal Friends podcast. My name is Jen,
Speaker 1: my name is Jill, and today we are doing a
Speaker 1: kind of Frugality one oh two episode. I think it'll
Speaker 1: harken back to our Frugality one oh one, which is
Speaker 1: still one of our most downloaded episodes. It will expound
Speaker 1: on some of the topics and kind of give you
Speaker 1: the heart and the reasoning behind why we are doing
Speaker 1: our future of Frugal summit here in a few weeks,
Speaker 1: week and a half at one oh one, we're into
Speaker 1: one oh two. Soon we'll be graduating. Oh my gosh,
Speaker 1: I don't even think I'm ready for Frugality one oh three.
Speaker 1: I have to bring somebody on for that. We'll just
Speaker 1: move on to two oh one to oh one. Oh
Speaker 1: is that what it's called? Two o one three oh one? Okay, Well,
Speaker 1: you could do on one oh one and one oh
Speaker 1: two this freshman year, first and second semester, and then
Speaker 1: we'll move into sophomore years. Okay, well, before we get
Speaker 1: into the next level, let's give a quick word to
Speaker 1: our sponsors, which today probably one of my favorite sponsors ever,
Speaker 1: the Future of Frugal Summits. So we are so insanely
Speaker 1: excited still about this. So many of you have been
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Speaker 1: it's the first of its kind. I mean that specifically
Speaker 1: focuses on everything personal finance through the lens of frugality,
Speaker 1: and so the theme for this year is the future
Speaker 1: of frugal We genuinely think and believe that a frugal
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Speaker 1: frugality enthusiastically, not just as a means to an end. Yeah.
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Speaker 1: Pause the episode. We will wait. You're gonna want to
Speaker 1: see what we've been up to for the past couple
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Speaker 1: to you today by definitions. Knowing the meaning of words
Speaker 1: can make all the difference, Like the difference between being
Speaker 1: frugal and cheap, raw and cooked carnivore and herbivore, safe
Speaker 1: and unsafe definitions can really be life savers. That's so true.
Speaker 1: I've been watching a lot of TikTok where there's people
Speaker 1: that actually make fun of words in human language, like
Speaker 1: bi weekly, Oh, that's going to mean twice a week?
Speaker 1: What about every other week that's also bi weekly? And
Speaker 1: then the person taking down the notes on the language
Speaker 1: or like, are you sure you want to do that?
Speaker 1: Are you? Are you sure? It seems like a lot
Speaker 1: of people could be confused, and people still are. I
Speaker 1: am so confused when I see something as bi weekly. So, yeah,
Speaker 1: we're not doing that to you. We are going to
Speaker 1: give you rate. We're going to start out with our
Speaker 1: definition of frugality. And it's really so this is the
Speaker 1: definition I have held the entire time we've been doing
Speaker 1: this show, the entire time I've I've been working. Modern
Speaker 1: frugality is the definition from Wikipedia. Literally, I googled frugality
Speaker 1: and this is what is on the Google page. And yeah,
Speaker 1: and this kind of inspired how we do the show too,
Speaker 1: because when I want to know something, I google it
Speaker 1: and I look at the first page, and so we
Speaker 1: also look at the first page of Google and kind
Speaker 1: of parse through what's there. So this is the definition
Speaker 1: of frugality that kind of I hold to my standard,
Speaker 1: and it's frugality is the quality of being frugal, sparing, thrifty,
Speaker 1: prudent or economical in the consumption, in of consumable resources
Speaker 1: such as food, time, money, and avoiding waste, lavishness or extravagance.
Speaker 1: So it's far more than just saving money. Frugality to
Speaker 1: me is not about saving money for the sake of
Speaker 1: saving money. And if you've listened to the show for
Speaker 1: any amount of time, you know that about us. And
Speaker 1: so the things that really stand out to me about
Speaker 1: this definition are like prudence, like conscious consumption including food
Speaker 1: and time, avoiding waste. It's just there's so many things
Speaker 1: that I love about this definition. It is a really
Speaker 1: beautiful definition. Yeah, I think in a lot of ways,
Speaker 1: this is the radical middle. This is the everything in
Speaker 1: moderation concept that we don't have to live in extremes.
Speaker 1: But we could go in a streams either way. We
Speaker 1: could be so wanting to save money that we become cheap.
Speaker 1: We'll talk about that a little bit more or so
Speaker 1: extravagant that there's nothing left, there's no margin. We're harvesting
Speaker 1: to the edge of our fields and it's leaving us depleted.
Speaker 1: And this I really do feel like captures all of that.
Speaker 1: But I also love how it is describing the various
Speaker 1: types of resources. Again, it's not just about money, which
Speaker 1: I've been thinking about this gen since you and I
Speaker 1: talked with Kat about motherhood and parenting and raising kids.
Speaker 1: You said something pretty profound that I've honestly been thinking
Speaker 1: about since that interview. I forget if we were still
Speaker 1: recording or not, but you just said, the way that
Speaker 1: you're approaching teaching Kai about money is to teach him
Speaker 1: that resources are not infinite. I'm just like, oh my word,
Speaker 1: it's so simple. But I do feel like that can
Speaker 1: summarize basically everything in a lesson. We even into a adulthood,
Speaker 1: need to keep reminding ourselves of our capacities, our time,
Speaker 1: our energy, our money is not unlimited. And learning to
Speaker 1: manage all of that, well, that's frugality, and it will
Speaker 1: land us in a beautiful place if we practice that
Speaker 1: and walk that out. Yeah, And I think that's how
Speaker 1: frugality is customizable, Like it's very customizable. You can we are.
Speaker 1: I love how you say, Jill. We our whole people,
Speaker 1: and we're all so different. And you can have a
Speaker 1: different version of frugality than I do, and the next
Speaker 1: person like you listening can have a different version than
Speaker 1: Jill and I And there is so much freedom in that.
Speaker 1: And I think as long as we keep kind of
Speaker 1: the tenants that we're going to talk about today in
Speaker 1: the back of our minds, then we can create a
Speaker 1: frugality with freedom, without guilt or second guests sing of
Speaker 1: our purchases. And I think when we get away from
Speaker 1: the guilt and shame, we can do just live like
Speaker 1: really free lives and not have to think about our
Speaker 1: money all the time and still be considered frugal. Like
Speaker 1: not all frugal people think about money all the time. Yeah,
Speaker 1: it's not a certain type of person that fits into
Speaker 1: this mold. Yeah. Alright, So let's start out with our
Speaker 1: first article, and it is from US News and it's
Speaker 1: five major differences between cheap and Frugal and it's from
Speaker 1: Stephanie O'Connell and we've we've definitely talked. We had one
Speaker 1: of our articles recently on the adding luxury to your
Speaker 1: frugal lifestyle. So what did you think about this one? Jill?
Speaker 1: I love this article. I think it's worth we will
Speaker 1: talk about just all five that they put into here,
Speaker 1: because I think all of them are really great. And
Speaker 1: again it highlights what is for reality because there are
Speaker 1: so many definitions. Sometimes people will use it interchangeably with
Speaker 1: being cheap, and we're really trying to pull that apart
Speaker 1: and give people a foundation upon which to build. And
Speaker 1: so the first one on here I want to highlight
Speaker 1: because I love it. I feel like this aligns with
Speaker 1: what I've said from the very beginning. Would be one
Speaker 1: of my personal ways of describing the difference is that
Speaker 1: cheap and frugal both people love to save money, but
Speaker 1: frugal people will not do so at the expense of others.
Speaker 1: So being cheap takes advantage of others, being frugal does not.
Speaker 1: I like the example that this article gave, super simple example,
Speaker 1: but a situation we all find ourselves in of you know,
Speaker 1: going out to dinner with friends and you know you
Speaker 1: might not get a drink or the appetizer or dessert,
Speaker 1: and you might even split a meal with somebody, but
Speaker 1: not at the expense of forgetting to tip the waitress.
Speaker 1: I think the writer says that they'll never do less
Speaker 1: than eight unless the service was really really bad, or
Speaker 1: if splitting a check not accidentally forgetting about tax and tip, right,
Speaker 1: it's not cheating others out of money so that you
Speaker 1: can have more at the end of it. Absolutely, And
Speaker 1: this kind of comes down to, like, you should find
Speaker 1: your core values when you are looking to be frugal,
Speaker 1: so you know what to spend on. But I think
Speaker 1: people should always be at the top of whatever your
Speaker 1: core values are, like in some capacity, people should be
Speaker 1: up there, and so always prioritizing your well being, your
Speaker 1: family's well being, and the well being of others like
Speaker 1: typically in that order, and so that comes before saving money.
Speaker 1: And so yeah, that is why we don't love buying
Speaker 1: fast fashion and or consuming the cheapest of everything, because
Speaker 1: that's at the expense of people in sweatshops. It doesn't
Speaker 1: mean we don't shop on Amazon and Walmart like we're
Speaker 1: not perfect, but buying less allows us to make less
Speaker 1: of an impact in that area or contribute to that
Speaker 1: industry less. And so yeah, always people over money, always,
Speaker 1: And if any of these points are beginning to align
Speaker 1: with you as you listen. Then yeah, this could help
Speaker 1: answer the question of it's frugality for me. Yeah, I mean,
Speaker 1: spoiler alert, we think frugality is forever everyone if you
Speaker 1: haven't figured that out yet, that's where our aims. So
Speaker 1: that's you know, I don't want to leave you to
Speaker 1: the end wondering that. So but yeah, so that's kind
Speaker 1: of how I love number one. Is I also love
Speaker 1: that one. So number two is frugality is about assessing
Speaker 1: the bigger picture and having the patients to cash in
Speaker 1: on simple saving strategies. And so she says, as an
Speaker 1: avid runner, I'm not willing to buy secondhand, worn out
Speaker 1: running shoes. I also agree with that. I buy brand
Speaker 1: new running shoes. I'm also a runner. I work out
Speaker 1: a lot, so I also buy brand new gym shoes.
Speaker 1: And so yes, I understand I'm buying you know, Reebok
Speaker 1: or stuff like that. Like I know, I'm not the perfect,
Speaker 1: like non sweatshop buying person, but so I do that
Speaker 1: because I'm assessing the bigger picture. And then they're all
Speaker 1: of my clothes or secondhand, like my gym clothes, the
Speaker 1: things I wear normally. So I'm looking at the bigger
Speaker 1: picture and I'm just comes down to that values based spending,
Speaker 1: like I have decided what are the things that I'm
Speaker 1: going to spend money on and what are the things
Speaker 1: that I'm not so And I love that they highlighted
Speaker 1: patients here, and I know that we've talked about that
Speaker 1: a bit throughout our podcast. Is that doesn't come naturally
Speaker 1: to most of us, but it's usually something that we
Speaker 1: want to grow in. Write being more patient with the
Speaker 1: people around us, if people are part of that core value,
Speaker 1: and then patient and being able to get the best value,
Speaker 1: get a good deal again, not just scrimping for scrimping's sake,
Speaker 1: but identifying you know, he gave the example of I'm
Speaker 1: going to get good shoes, but it might be last
Speaker 1: year's model. That kind of concept and being patient, and
Speaker 1: that breeds a lot of even understanding and connecting to
Speaker 1: our own values what's actually important to us. It slows
Speaker 1: down the impulsive decisions and just spending for the sake
Speaker 1: of spend thing. A lot of these things than have
Speaker 1: these ripple effects of benefit to us and to our wallets. Yeah,
Speaker 1: and when you think long term and think bigger picture,
Speaker 1: you may spend a little more upfront to buy the
Speaker 1: thing that's going to last longer. I know someone who
Speaker 1: has a vitam mix that they love and that thing
Speaker 1: will last forever. So yeah, I'm talking about you, Jil,
Speaker 1: thank you, and so yeah, you spent more upfront for that,
Speaker 1: but it is an amazing product that will last forever
Speaker 1: and has an amazing warranty for when things break. And
Speaker 1: so that means fewer blender replacing purchases, which means fewer
Speaker 1: blenders at the goodwill and eventually in landfills. So that's
Speaker 1: bigger picture thinking, which is connected to number three. Kind
Speaker 1: of similar concepts, but they say here that cheapness uses
Speaker 1: price as a bottom line, whereas frugality uses value as
Speaker 1: a bottom line. I can't highlight and resonate with this enough.
Speaker 1: It's not just about how inexpensive is something, it's what
Speaker 1: is the value that it's going to bring to me? Uh.
Speaker 1: They give the example of the Extreme Cheap Skates episode
Speaker 1: on TLC. I don't know if anybody watches TV anymore
Speaker 1: like actual like cable TV. It might be, but this
Speaker 1: guy ends up searching around his home for loose change
Speaker 1: and ends up coming up with seven dollars and loose change,
Speaker 1: but he spent an hour doing that. So like essentially
Speaker 1: he got paid seven dollars an hour to look around
Speaker 1: his house for loose change. And so it's kind of
Speaker 1: that idea of is it just about the bottom line
Speaker 1: of price and money or is my time valuable? Is
Speaker 1: this thing that I'm going to be purchasing valuable? I
Speaker 1: know my grandfather would always go to CVS and get
Speaker 1: all of the candy that was on clearance, just like
Speaker 1: all of it. And he would always come home and say,
Speaker 1: like I saved money like pop ups, No you didn't.
Speaker 1: You spent a ton of money on candy that we're
Speaker 1: not gonna eat, Like we're not going to eat this candy.
Speaker 1: But it was just about price. He just looked at
Speaker 1: the dollar sign. I mean he did eat a lot
Speaker 1: of Tootsie rolls, so those did get eaten up. But
Speaker 1: besides the point ultimately not just looking at the price
Speaker 1: of something, but the value do I need this? Is
Speaker 1: it bringing value to my life? Is it worth the
Speaker 1: time investment that it's going to take for me? In
Speaker 1: this there's there's just a mindset shift in being frugal
Speaker 1: versus being cheap. And yeah, my grandmother did something similar,
Speaker 1: but hers was toilet paper. Whenever toilet papers on sale,
Speaker 1: she'd buy a lot of it. So when she died,
Speaker 1: I actually inherited toilet paper from her. Now see that
Speaker 1: you'll use and I did. Yeah, it was a little
Speaker 1: bit of money and a lot of toilet paper and
Speaker 1: that inheritance. So I feel very blessed. But on this,
Speaker 1: like on this topic of like price and value, it
Speaker 1: kind of comes back to our frugality one on one
Speaker 1: one A one episode where we're talking about the law
Speaker 1: of diminishing returns. So you can do all you can
Speaker 1: to save money, but at some point you are wasting
Speaker 1: your time, so really looking at the efforts that you
Speaker 1: can put in. That will also back to our our
Speaker 1: Wikipedia definition is also being frugal or prudent with the
Speaker 1: consumption of time. So yeah, that's a big definitely a
Speaker 1: big one. And remembering the law of diminishing returns, you
Speaker 1: only have so much time. But eventually, like you can
Speaker 1: only do so much with the saving money as money
Speaker 1: as a resource, and so is your time and your
Speaker 1: own emotional relational capacity. So it should all be approached
Speaker 1: with this perspective, all right, And number four cheat people
Speaker 1: are driven by saving money regardless of the cost frugal
Speaker 1: people are driven by maximizing total value, including the value
Speaker 1: of their time. So this is obviously we're super passionate
Speaker 1: about this one. But yeah, so I think trying to
Speaker 1: still live your rich life, live whatever that looks like
Speaker 1: for you, the total value you literally you only get
Speaker 1: one life to live. So I see these people talking
Speaker 1: about extreme for galue, or they're saving fifty six of
Speaker 1: their income so that they can have some illusion of
Speaker 1: early retirement later on, and I'm like, you don't get
Speaker 1: these years back. I don't care how short of a
Speaker 1: time you're saving and how long of a retirement you're
Speaker 1: going to get. These years you don't get back in.
Speaker 1: Those years aren't promised to you. So while we should
Speaker 1: still prepare for those years, I'm looking at the total
Speaker 1: value of my life, total value, not just in the
Speaker 1: future and not just right now, but the total value.
Speaker 1: So I want to be a good steward of all
Speaker 1: of it. Absolutely. I think that even gets into like
Speaker 1: retiring early and the things that that breeds of. Yeah,
Speaker 1: just eighty hour work weeks and breaking your neck to
Speaker 1: make a little bit of extra money so that you
Speaker 1: can retire early. But you lose a lot in that
Speaker 1: time too, So everyone makes their own decision and that certainly,
Speaker 1: but looking at as you said, Jen, just total value,
Speaker 1: not just this is what I hope the future will bring. Yeah,
Speaker 1: like I like, She says, well, I haven't bought a
Speaker 1: new article of clothing in over a year. I'm vacationing
Speaker 1: in Mexico next week, and that's that's my Yeah. I
Speaker 1: could say the same thing though, I have bought some
Speaker 1: new clothing in last year, and I'm not going to
Speaker 1: Mexico next week. So actually, something that's happening for you.
Speaker 1: I want to be able to say that that is
Speaker 1: my goal. Yeah, And that's making frugality work for you.
Speaker 1: Or you're going to spend on what you want to
Speaker 1: spend on, save where you want to save, so you
Speaker 1: can spend where you want to spend. Last, but not
Speaker 1: least Number five on here is being cheap is about
Speaker 1: spending less. Being frugal is about prioritizing your spending so
Speaker 1: that you can have more of the things you really
Speaker 1: care about. So again, kind of saying similar things in
Speaker 1: different ways, it's it's not just about the money, it's
Speaker 1: not just about the price point of something. It's about
Speaker 1: is this actually something I want to spend on. Is
Speaker 1: this something I care about spending on, or is this
Speaker 1: something that my friends say that I should or I
Speaker 1: feel societal pressure to be aiming at rather than what
Speaker 1: I actually want. Like to go back to number four
Speaker 1: where it was talking about I haven't bought clothes in
Speaker 1: a year, and I'm gonna go on vacation, right, so
Speaker 1: I would be I'm learn that way traveling is a priority.
Speaker 1: I will cut in other areas so that I can
Speaker 1: spend on that, where somebody else might say, no traveling scary,
Speaker 1: I'd rather have new clothes. Okay, great, to each his own,
Speaker 1: but make sure that it's actually aligning with your values
Speaker 1: and that you can afford it, right. A lot of
Speaker 1: this is making sure that we are stewarding our resources
Speaker 1: well so that we're not going into debt to be
Speaker 1: able to have all of the things, but saving where
Speaker 1: we can to spend where we want. Yeah, this is
Speaker 1: a big mindset part of frugality. She says. Those who
Speaker 1: are cheap are often afraid to spend money. That's scarcity mindset.
Speaker 1: And I feel like a lot of frugal people may
Speaker 1: say they are frugal, but they're living in this place
Speaker 1: of scarcity mindset because they're afraid to spend money, so
Speaker 1: they're really just cheap by circumstance. Frugality is intentional. You
Speaker 1: intentionally choose to be frugal for the benefit of yourself
Speaker 1: and others, not out of fear or the way you
Speaker 1: were raised or the way people say you should be
Speaker 1: spending your money. Frugality is really conscious consumption of everything.
Speaker 1: I think this is a hard pill to swallow, but
Speaker 1: I would even go so far as to say that
Speaker 1: being cheap can cross over a line into just being greedy,
Speaker 1: where you're not spending on anything, you're taking advantage of others,
Speaker 1: you're hoarding just to save some money, just to not spend,
Speaker 1: and even if it doesn't actually amount to a lot
Speaker 1: of money, the motivation behind it can be greed. So
Speaker 1: there is a strong even warning in this as we
Speaker 1: talk through why aim at frugality and why avoid being cheap. Yeah,
Speaker 1: and not even greed out of like malicious intent, But
Speaker 1: there are so many people in poverty that have to
Speaker 1: rely on the here. They have to think solely about
Speaker 1: here and now because that's where they are, and it
Speaker 1: can cross over into that because they're not being intentionally frugal.
Speaker 1: So it's not even, it's not malicious, it's not negative.
Speaker 1: And if you feel like you have like a if
Speaker 1: you're living in scarcy mindset, that does not mean you
Speaker 1: are a bad person or you are doing frugality wrong.
Speaker 1: I struggle a lot with scarcity mindset, Like it is
Speaker 1: something have struggled with and struggling with, will continue to
Speaker 1: struggle with. You may never be able to get over it, honestly,
Speaker 1: like I don't know, I don't know if I will.
Speaker 1: It's just that when you are aware of what you
Speaker 1: are doing, then you can make small steps to change it.
Speaker 1: And we don't think like anybody here would be malicious
Speaker 1: in their cheapness, but like it is so limiting. It
Speaker 1: is a limiting belief. And when you can make small,
Speaker 1: intentional changes, then you can develop a growth mindset that
Speaker 1: may not I mean frugality. We set it right off
Speaker 1: the bat in our first episode Frugality will not make
Speaker 1: you rich. Frugality is not the solution to your money problems.
Speaker 1: It is a tool that goes beyond money. It is
Speaker 1: a life. It's not a tool. It's a lifestyle that
Speaker 1: goes beyond money, and it can be freeing when you
Speaker 1: practice it. But obviously we we recognize that there are
Speaker 1: other factors that play into it, but we still think
Speaker 1: that it can alleviate some of the burden if you
Speaker 1: are dealing with a very low income. Absolutely for sure.
Speaker 1: So that that was a great, great article from Stephanie
Speaker 1: O'Connell on US News. And really, when we were searching
Speaker 1: for our second article, I was having a hard time
Speaker 1: finding something that really spoke to what we wanted to
Speaker 1: get across in this episode, because this was this is
Speaker 1: kind of more of our who we are episode, not
Speaker 1: just going over what other people say, because we want
Speaker 1: you to get the heart behind this summit that we're producing.
Speaker 1: And so the next articles from me, no one else
Speaker 1: could give me the words I wanted, so I am
Speaker 1: going to use my own words. That's great. Yeah, So Jill,
Speaker 1: what do you think about it? Jen? I mean, the
Speaker 1: biggest fan, probably one of the biggest friends, So I
Speaker 1: think it's great. I mean, you write such extensive articles
Speaker 1: and they're always expert and they give great ideas. I mean,
Speaker 1: I don't need to convince probably any of our listeners
Speaker 1: of this. So we're only even looking at the first
Speaker 1: portion of this article because it goes into so much
Speaker 1: you give two hundred frugal tips in here. But the
Speaker 1: first portion does lay out some of the tenants of
Speaker 1: frugality and some of the benefits, which I think are beautiful.
Speaker 1: So yeah, let's talk about it. Yeah. So this is
Speaker 1: literally a ten thousand word article that I did turn
Speaker 1: into an e book. So, but the first part really
Speaker 1: lays the foundation for what the four tenants we believe
Speaker 1: our brand of frugality is. And so the first is minimalism,
Speaker 1: so buying less will always save you more money than
Speaker 1: a great deal. And we really believe that frugality is
Speaker 1: a minimalist way of life. Frugality is not minimalism and
Speaker 1: vice versa. But I mean, it's not about getting the
Speaker 1: best deal and the lowest price on stuff you don't need.
Speaker 1: I love a good Black Friday, a Prime Day sale.
Speaker 1: I don't have Prime, but I do appreciate them if
Speaker 1: I have planned for something that I want to buy
Speaker 1: and cannot find second hand. So it's not against these,
Speaker 1: you know, the consumption of stuff, but it is pro
Speaker 1: conscious consumption. Yeah. And again, because minimalism can look so
Speaker 1: different for every person and frugality can look so different.
Speaker 1: But there is a really nice blending of the two.
Speaker 1: It's not stockpiling. I like how you're saying it's not stockpiling.
Speaker 1: It's not extreme group on NG people can do those things,
Speaker 1: but sometimes that can just add so much clutter. I
Speaker 1: think I just coined a term. But like minimalism and
Speaker 1: frugality is not anti consumption, but it's conscious consumption, and
Speaker 1: so that that flows into your minimalism too. Like you
Speaker 1: can have a little, you can have stockpile, you can
Speaker 1: have a reasonable stockpile. I have a packet drawer, which
Speaker 1: I've been saying is packet drawer for so long, but
Speaker 1: I have to be honest. It's a pack bag. Yeah,
Speaker 1: that sits on top of the fridge. Yes, it's a
Speaker 1: packet bag. And I it's just people. No packet drawer
Speaker 1: mimes a gallon bag. The next one on here is
Speaker 1: frugal living is simplicity, right, Aiming at a frugal lifestyle
Speaker 1: will also bring about simplicity. There's a nice blending of
Speaker 1: this is another tenant of frugality. It doesn't mean that
Speaker 1: we do it well, we do it perfectly, or we
Speaker 1: do it all the same. But as we're looking at
Speaker 1: how can we define what are the tenants. This is
Speaker 1: one of them that it's not going to be in
Speaker 1: similar to minimalism, it's not going to be overwhelming, clutter
Speaker 1: too much. You even say in this article there's a
Speaker 1: list of two hundred tips, but it doesn't mean you
Speaker 1: have to do all two hundred tips. It doesn't mean
Speaker 1: you have to do everything that every financial expert says.
Speaker 1: It doesn't mean that you have to get the cheapest
Speaker 1: possible deal on every single thing. It's simple. It's simplifying
Speaker 1: to the things that are important to you and pushing
Speaker 1: aside the things that aren't. Is prioritizing in all aspects
Speaker 1: of life as it relates to our time, energy, and finances,
Speaker 1: aiming at what is going to bring about some simplicity,
Speaker 1: which goes hand in hand then with bringing about peace
Speaker 1: inside of our minds, inside of ourselves to be able
Speaker 1: to live out of that place. Then yeah, when I
Speaker 1: think simplicity, I think the book The One Thing by
Speaker 1: Gary Keller. It is one of my favorite books, and
Speaker 1: basically the whole book can be summed up in this phrase,
Speaker 1: what's the one thing I can do that by doing
Speaker 1: that one thing makes everything else easier or unnecessary. So
Speaker 1: it's essentially focusing on the bigger picture things, the bigger
Speaker 1: ticket items that will help you not have to do
Speaker 1: all two things on the list, the things that are
Speaker 1: in your wheelhouse, um, and the things that are sustainable
Speaker 1: for you. So for me, I focus on meal planning
Speaker 1: and cooking at home. That is my one thing that
Speaker 1: which by doing it, I don't have to focus so
Speaker 1: much on not buying lattes or doing a bunch of
Speaker 1: like the rebate apps and stuff. So to me, that simplicity,
Speaker 1: like what are the few things I can focus on
Speaker 1: in my time, in my schedule, in my place of
Speaker 1: living that by which I don't have to worry about
Speaker 1: or as much about all the other stuff. Yeah, and that,
Speaker 1: and so you'll see, like in our summit, we've we've
Speaker 1: got like a few meal planning things, Like for me,
Speaker 1: that was important because I think that's a lot of
Speaker 1: people's one thing, or it should be a lot of
Speaker 1: people's one thing. But we also have a few other
Speaker 1: experts on saving money. What they're one things were or
Speaker 1: few things were to save significantly. So we've we've included
Speaker 1: a lot of that. On day two of the summit.
Speaker 1: On day one of the summit, we've included a lot
Speaker 1: of minimalism and sustainability, because the next one is frugal
Speaker 1: living is environmentalism. So going back to our Wikipedia definition
Speaker 1: that frugality is the wise stewardship of resort consumable resources.
Speaker 1: It says food is number one, and that's a part
Speaker 1: of our environment. That's a huge part of our environment.
Speaker 1: But consumable resources also is not just like what you
Speaker 1: consume in your body, but like on your body or
Speaker 1: you know, everything that has to do with living on
Speaker 1: the earth that we live on, an avoiding waste to
Speaker 1: protect it. So, yeah, I am not perfect in doing this,
Speaker 1: I will say it. I'm not zero waste. You're not
Speaker 1: going to see me on any sustainability podcasts telling you
Speaker 1: how to be sustainable. But it is always setting all
Speaker 1: your trash and one small container. But it is something
Speaker 1: I'm conscious of keeping the back of my mind and
Speaker 1: make decisions based off of absolutely. And I think as
Speaker 1: we zero in on our values and our consumption and
Speaker 1: being good stewards of all these things, we do become
Speaker 1: more connected with this. And I like how you say
Speaker 1: here too. Sometimes we can think of environmentalism is like
Speaker 1: buying the expensive products, but so much of it is
Speaker 1: back even further than what is glamorous. Now. As far
Speaker 1: as what environmentalism looks like, it's the second hand, it's
Speaker 1: the reducing waste. It's the not leaving the water running
Speaker 1: constantly like, that's being environmentally friendly. Yeah. And the fourth, ten,
Speaker 1: fourth and final is frugal living is values based spending.
Speaker 1: You've heard us say this so many times and especially
Speaker 1: just on this very podcast, but it is again saving
Speaker 1: money in some of these different areas, finding the one thing.
Speaker 1: Practicing minimalism, aiming at simplicity so that you are able
Speaker 1: to purchase the things that actually matter to you. Doesn't
Speaker 1: mean that you have to purchase the least expensive thing.
Speaker 1: It might be the most expensive thing. But if it
Speaker 1: brings about value, if it makes life more simple, if
Speaker 1: it does lead into a more minimalist approach, than great,
Speaker 1: that's frugal living. Yeah. I mean, I'll just read exactly
Speaker 1: what I wrote. But it's discovering what truly matters to you.
Speaker 1: It's developing a sense of self and spending within it.
Speaker 1: I'm reminded of the interview we did with Nicole Victoria
Speaker 1: that airs on Day one, where she works with women
Speaker 1: and the first thing they do is try and get
Speaker 1: a sense of Okay, what do I want from life?
Speaker 1: And then how do I Then we work on the
Speaker 1: finances to build that. So we're reverse engineering. And when
Speaker 1: they're asked they don't know what they want. They know
Speaker 1: what they're supposed to do, they know what's expected of them,
Speaker 1: and they know the path that they're on, but when
Speaker 1: asked what they really want, they're embarrassed or they don't know.
Speaker 1: And it's developed like this can develop a sense of
Speaker 1: self in you, and then you can spend within that
Speaker 1: sense of self. Again, so many ripple and peripheral effects
Speaker 1: that are beneficial. Again, it's if you haven't heard it already,
Speaker 1: it's not just about the money. Are we bring our
Speaker 1: whole selves into all of this, all of these decisions,
Speaker 1: and we would argue that as we're on this path
Speaker 1: of frugal living, we will discover more about ourselves, our
Speaker 1: core values, what matters to us, where our values lie,
Speaker 1: How to get at that, the behavioral and life changes
Speaker 1: we need to make to do that, and then how
Speaker 1: to incorporate and implement some of these concepts in other
Speaker 1: areas beyond finances. It will inevitably impact all areas of
Speaker 1: our personhood, and I would say, bring about benefit in
Speaker 1: all areas of our personhood. Yeah, I believe that frugal
Speaker 1: living allows you to stop going with the herd pause
Speaker 1: and think about what you really want, what you value,
Speaker 1: which leads into this next part of the article. Just
Speaker 1: the benefits. We've talked about some of this already. There's
Speaker 1: so many more than what's even listed here, but just
Speaker 1: to name a few, it will free up more of
Speaker 1: your income. Just to put it bluntly, right, if we
Speaker 1: are more intentional about how we're spending, if we're looking
Speaker 1: at where we can cut costs and where we can
Speaker 1: spend on things that matter to us, and then when
Speaker 1: we can press the pause button on spending because we
Speaker 1: have what we need, it's going to free up income
Speaker 1: to then make further decisions towards the goals that we
Speaker 1: have in our life. It will help us to be
Speaker 1: able to handle emergencies the way that I would define
Speaker 1: this as being proactive rather than reactive, responsive rather than reactive,
Speaker 1: that we're not just caught off guard, shocked and surprised
Speaker 1: by an emergency, but able to handle it with relative
Speaker 1: ease and peace because we've got the money for it.
Speaker 1: We've anticipated this, We're not being reactionary to it. We're
Speaker 1: actually able to respond to an emergency financially and otherwise.
Speaker 1: And it can help us to say for retirement, which
Speaker 1: is not something that we often think about, especially in
Speaker 1: our twenties, thirties, sometimes even forties. But my goodness, will
Speaker 1: we thank ourselves and will if we have children, will
Speaker 1: our future children thank us for it that we're not
Speaker 1: putting that burden onto other people. But we've been able
Speaker 1: to future think. Again, It's what frugality allows us to
Speaker 1: do is goal set and future think, not your reactionary,
Speaker 1: but responsive. And when you future think, you can think
Speaker 1: more about increasing your income and investing to save for retirement,
Speaker 1: to invest for retirement like those are things that you
Speaker 1: can't think about if you're caught up in the stress
Speaker 1: and minutia of spending outside of your means, or even
Speaker 1: just trying to get the best deal and save as
Speaker 1: much money as possible. So both ends of that spectrum,
Speaker 1: if we find a simple version of frugality that really
Speaker 1: fits with your life, frees up your mental capacity to
Speaker 1: focus on making money, to learn about investing and funnel
Speaker 1: money there. That's being a good steward of resources is
Speaker 1: putting money into investments that can grow so that you
Speaker 1: have more money to do good things with. So yeah,
Speaker 1: even frugality goes outside of saving money and spending less.
Speaker 1: That's why the second half of the summit is all
Speaker 1: about earning more and doing it efficiently, and building wealth
Speaker 1: and protecting it. So it's really all of that through
Speaker 1: the lens of frugality. And I mean every single speaker
Speaker 1: we asked them the same question at the end. That
Speaker 1: is the most important question. It's what's your fillo week?
Speaker 1: That's right, It's time for the best minute of your
Speaker 1: entire week. Maybe a baby was born and his name
Speaker 1: is William. Maybe you paid off your mortgage, Maybe your
Speaker 1: car died and you're happy to not have to pay
Speaker 1: that bill anymore. To Bill Buck little Bills, Bill Clean,
Speaker 1: this is the bill of the week. Hey, Jen and Jill,
Speaker 1: this is Brooke from Fort Worth, Texas. I love you, guys,
Speaker 1: I love the show calling about my favorite bill of
Speaker 1: the week. I have the most amazing, beautiful, wonderful four
Speaker 1: and a half month old daughter. I'm obsessed with her.
Speaker 1: I work full time from home and care for her
Speaker 1: full time, and I pay fifteen dollars a month to
Speaker 1: an app called Huckleberry, and Huckleberry allows me to log
Speaker 1: my daughter's sleep patterns and eating patterns, and then once
Speaker 1: a month I send that information off to an actual
Speaker 1: sleep expert who then sends me a customized sleep plan
Speaker 1: based on her age and her sleep patterns and our
Speaker 1: family's schedule and needs. And that has allowed her to
Speaker 1: start sleeping through the night at two and a half
Speaker 1: months old and give me nice long naps and fall
Speaker 1: asleep independently so I can work while she's napping and
Speaker 1: play while she's awake. I'm so grateful for it. I
Speaker 1: get to sleep, my husband gets to sleep. It's a joy.
Speaker 1: There is a free version for all you moms out there,
Speaker 1: it just doesn't have the customized plan. And for me,
Speaker 1: that three a month is the best money I spend.
Speaker 1: Love you guys, Brook, you may have just saved some
Speaker 1: live I wish I'd known about that in the infancy
Speaker 1: of my child. I would have paid anything. I would
Speaker 1: have paid anything for that. She really would have given
Speaker 1: her left arm. She was yeah, Jill was here, she
Speaker 1: knew she was. Um Brooke, I feel like you have
Speaker 1: also just summarized value is spending for us. Yes, this
Speaker 1: is worth it because of what it gains you sleep
Speaker 1: in your child's infancy, your own sanity, your own sleep,
Speaker 1: your own understanding of your baby, your own understanding of
Speaker 1: your own values. Because you have so many other things
Speaker 1: on your plate that this is valuable for what it
Speaker 1: brings to the table and it's worth spending fifteen dollars
Speaker 1: a month on well Don Brooke, and I'm so glad
Speaker 1: that this works for you. I'm so excited about it.
Speaker 1: I'm so happy for you. Slightly jealous. Kay sleeps through
Speaker 1: the night now, but congratulations, that is a major People,
Speaker 1: you don't have a child, and a child is sleeping
Speaker 1: through the night at two and a half months, like
Speaker 1: that is a that that deserves an award. You deserve, deserves,
Speaker 1: everybody deserves an award. She hacked it. Imagine what she's
Speaker 1: able to accomplish now too, because she's getting sleep. Brook, Okay, Brook,
Speaker 1: thank you for that one. All right, here is our
Speaker 1: next bill of the week. Hi, frugal friends, this is
Speaker 1: Sophie from Germany. I want to tell you about my
Speaker 1: favorite a little the week today. UM I found about
Speaker 1: thirty and fifty Deutschemak, the old currency in Germany and
Speaker 1: it's hard to exchange it now because it's gone for
Speaker 1: about twenty years. However, I found a small shop downtown
Speaker 1: that sold me fancy chocolates for it, and well they
Speaker 1: taste great. Steel. Hey. I love that because I would
Speaker 1: probably be the person to be like, oh my gosh,
Speaker 1: there's no way and anyone is to take this. I'm
Speaker 1: so sad that it's just a waste. And then you
Speaker 1: found a way. You did not say I can't spend this.
Speaker 1: You were like, how can I spend this? And you
Speaker 1: did it and guilt to right actually cost you anything
Speaker 1: like it. I love that. Well done, Sophie, I love that. Yeah,
Speaker 1: thanks so much, guys for these were fantastic and quite
Speaker 1: appropriate bills of the week for this episode. They're always appropriate.
Speaker 1: They're always some sort of frugal or off the wall
Speaker 1: and it's just always great. Yeah. If you want to
Speaker 1: submit your bill of the week, please visit Frugal Friends
Speaker 1: podcast dot com slash bill and leave us a bill
Speaker 1: and we will celebrate with you. And now it's time
Speaker 1: for so today we are talking about what does frugality
Speaker 1: mean to us individually? Because Jill and I each have
Speaker 1: our own version of frugality. We're definitely different people, though
Speaker 1: we do have many similar interes lists like pools, like
Speaker 1: swimming in pools. We love pools. But we have a
Speaker 1: little bit different versions of frugality, and so there's freedom
Speaker 1: in that, and that is what we're going to just
Speaker 1: touch on a little bit. So for me, frugality means
Speaker 1: less budgeting and more freedom. So I am not the
Speaker 1: biggest fan of budgeting. I track my transactions just to
Speaker 1: make sure I am not being hacked, essentially, that is
Speaker 1: the only reason I tracked them. So I mean, yeah,
Speaker 1: I mean that's it. But we are at a point
Speaker 1: where we are so intentional about our spending and we're
Speaker 1: making the same amount of money and we're spending I mean,
Speaker 1: it's just really we've honed it down. It's down to
Speaker 1: a science almost. I won't say that we're not that specific,
Speaker 1: but I mean we kind of have our habits and
Speaker 1: patterns and spend within our values. So I don't really
Speaker 1: budget anymore like that has been That's been a several
Speaker 1: year journey beyond debt freedom. All we have is our mortgage.
Speaker 1: So yeah, and I don't feel anxious about it. Sometimes
Speaker 1: I feel guilty about it because I feel like these
Speaker 1: are outside perspectives. As a personal finance expert, I should budget,
Speaker 1: but I don't let that get me down. I don't
Speaker 1: feel any guilt or shame when I make a purchase
Speaker 1: because I know I can afford it, because there are
Speaker 1: so many other things I am not buying. And I
Speaker 1: am very intentional with the purchases I make because I
Speaker 1: want to be intentional with the things I bring into
Speaker 1: my home, because I realize my home is finite. It
Speaker 1: is not growing. We are not building any addition on
Speaker 1: So every time I'll bring something to house, it has
Speaker 1: to have a place, has to have a purpose, or
Speaker 1: it has to be replacing something. So yeah, I mean
Speaker 1: that's kind of I can't say that's the same version
Speaker 1: of reality Travis has, but that's his version I have.
Speaker 1: You're working towards it. He spends a lot less than
Speaker 1: I do. He just brings more things into the house.
Speaker 1: I spend more money on things that either don't come
Speaker 1: into the house or don't stay in the house. Not
Speaker 1: budgeting is not synonymous with spending frivolously, though, Like you've said,
Speaker 1: you you know what your expenses are. You've got a
Speaker 1: lot on automatic payment, You've cut some of these variable
Speaker 1: costs like grocery shopping. You know how much you make
Speaker 1: every month, so you are aware of what you can
Speaker 1: and can't spend. And then there's just the reality that
Speaker 1: you're just not spending a lot. So it's not to
Speaker 1: say like I don't budget therefore, or that means I'm
Speaker 1: just buying whatever. And yeah, there's still intentionality to it.
Speaker 1: Years budgeting years every month and being very intentional about it.
Speaker 1: And now we are at the point where we feel
Speaker 1: like we've honed in on who we are a lot
Speaker 1: of self discovery and when you're married, it's or or
Speaker 1: have a partner, it's discovery of your partner as well.
Speaker 1: So a lot of like selves discovery and once you've
Speaker 1: got a rhythm. We haven't mastered it, but once you
Speaker 1: have a rhythm then yeah, yeah, So that's what frugality
Speaker 1: affords me. I am a personal finance expert who doesn't
Speaker 1: have a monthly budget. I love it. So this is
Speaker 1: where we overlap. I would also say that frugality means
Speaker 1: freedom for me also, I think this lifetime as far
Speaker 1: as my adulthood lifetime, and being intentional about where I'm spending,
Speaker 1: where I'm saving, how I'm utilizing resources. Has brought about
Speaker 1: a great deal of freedom because there is excess finances
Speaker 1: at this point. Again, because I've identified my values and
Speaker 1: because I've been aware of money coming in and money
Speaker 1: going out, it has helped me to be able to
Speaker 1: identify how can I bring more in? And then that
Speaker 1: creates freedom to know that I can spend where I
Speaker 1: want to spend and save where I want to save.
Speaker 1: I think it has also meant minimalism for me. I
Speaker 1: have found a good deal of peace and freedom in
Speaker 1: being content, in having a little identifying what is helpful,
Speaker 1: what's convenient, what is going to bring value to my life,
Speaker 1: like my blunder, you know me. But beyond that, I
Speaker 1: don't have a lot of junk because that's stressful to me.
Speaker 1: So minimalism. Thank you for gality and minimalism. I think
Speaker 1: it's also brought a lot of d I Y like
Speaker 1: do it myself problem solve mentality. I have worked to
Speaker 1: be able to identify where can I hire out, where
Speaker 1: can I delegate? But those tenants haven't left me. I
Speaker 1: still paint my own home. Eric does all of our renovations,
Speaker 1: which helps us to be able to cash flow renovations
Speaker 1: and not go into further debt for that. And finally,
Speaker 1: and probably most importantly, I don't know why I put
Speaker 1: it last, but frugality has allowed a good deal of
Speaker 1: generosity for us, for Eric and I, and that is
Speaker 1: if we were to talk about core values, it's very
Speaker 1: important to me, uh, well, generous in anything, whether it's time, money,
Speaker 1: you name it. When we didn't have a lot of money,
Speaker 1: I think we're very generous with our time. Now we've
Speaker 1: been able to be a little bit more generous with finances,
Speaker 1: and now it's kind of finding that happy medium. Both
Speaker 1: Eric and I had a recent conversation like we're we
Speaker 1: miss volunteerism, like we want to give of our time again.
Speaker 1: Of course, COVID interrupted a lot of that community and
Speaker 1: ability to spend time with others, but that's an incredibly
Speaker 1: important thing to me. And being able to save money
Speaker 1: spend intentionally has freed up money and then freed up
Speaker 1: money for my why, which is to be able to
Speaker 1: give to others. So so grateful for that. Yeah. I
Speaker 1: mean we didn't even touch on the contentment and generosity
Speaker 1: portions of frugality, but it really Yeah, it gives you
Speaker 1: a contentment where you feel like there's a line and
Speaker 1: then you can like give generously beyond that line. So yeah,
Speaker 1: I love that. Well, thank you so much for kind
Speaker 1: of listening to our manifesto. This has been an episode
Speaker 1: I've looked forward to and it's been really life giving
Speaker 1: to do this. I love our episodes, but this subject especially,
Speaker 1: I mean more than like saving money on moving, you know,
Speaker 1: like this gives me life and I love to talk
Speaker 1: about this topic. So please let us know your thoughts
Speaker 1: in the Summit Facebook group. If you are already signed
Speaker 1: up for the Summit, let us know why you're frugal,
Speaker 1: what does frugality mean to you? And let's come alongside
Speaker 1: you and you can find your tribe of people like
Speaker 1: Jill and I have found in each other, because that's
Speaker 1: so important. So thanks for listening, and thank you also
Speaker 1: for your kind reviews like this one from c K
Speaker 1: f V and f V the best. These women are great.
Speaker 1: Just happens to be five stars. They make a podcast
Speaker 1: that's smart, funny, authentic, relatable, helpful and kind. I work
Speaker 1: alone in my pottery studio and I look forward to
Speaker 1: my Friday eating with Jen and Jill when the podcast drops.
Speaker 1: Even if the topic appears to be something that doesn't
Speaker 1: pertain to me. I listen and learn and absolutely enjoy
Speaker 1: the banter. Thanks what a kind review. Thank you for
Speaker 1: saying all those nice things about us, and so thrilled
Speaker 1: to join you in your pottery studio every Friday if
Speaker 1: you happen to be this is just a side note.
Speaker 1: If you happen to be in our Frugal Friends community
Speaker 1: group on Facebook, love to see some of the work
Speaker 1: that you create. I have this growing affinity for pottery.
Speaker 1: I drink from a handmade mug every morning my coffee.
Speaker 1: So anyhow, that's that's just for me because I like pottery,
Speaker 1: all right. We also want to thank our friends who
Speaker 1: share these episodes on social media. So when you share
Speaker 1: the latest episode and tag us on Facebook or Instagram,
Speaker 1: we add you to our monthly drawing. So here's how
Speaker 1: it works. For every five tags and reviews we get
Speaker 1: each month, we give away a copy of the Frugal
Speaker 1: Friends Workbook. So this month, not only will you get
Speaker 1: a copy of the Frugal Friends Workbook, You're also going
Speaker 1: to get a copy of the all access pass for
Speaker 1: the summit. And so actually one of the things to
Speaker 1: enter into winning. You don't have to do this, but
Speaker 1: one of the ways to enter and to win our
Speaker 1: giveaways is to leave a review. So if you're entering
Speaker 1: in a giveaway, please just take a screenshot of the
Speaker 1: review on either iTunes or Stitcher and you can send
Speaker 1: the screenshot to Frugal Friends podcast at gmail dot com.
Speaker 1: You'll be entered to win our giveaways. At the Summit,
Speaker 1: you'll be entered to win an all access pass and
Speaker 1: if you buy one, will give you a refund should
Speaker 1: you win, and a Frugal Friends workbook. So yeah, so
Speaker 1: please don't forget. I'm gonna I'm gonna review us. Yeah, yeah,
Speaker 1: don't forget to share, leave a review whatever. Sharing also
Speaker 1: is on is one of the ways to enter, So
Speaker 1: literally any of these things. Yeah, just leave a review,
Speaker 1: share us on and stuff and you'll be entered. And
Speaker 1: there's so many opportunities to win, so much stuff. So
Speaker 1: giving away this month which generosity Oh you know, you
Speaker 1: know we like that, all right, Friends, See you next
Speaker 1: week by Cugal. Friends is produced by Eric Sirian. Yeah, Jill,
Speaker 1: I have been going through some of these Summit videos
Speaker 1: and you never you always leave an interview thinking oh
Speaker 1: that was real good, but then later You're like, was
Speaker 1: it good? Did I just have a fun time hanging out?
Speaker 1: Are people going to get something out of this? So
Speaker 1: I've been going and re listening to these interviews and
Speaker 1: I'm like, yes, this makes sense. This is act noble,
Speaker 1: this is gold. Like, these are things that all coming
Speaker 1: together are in one place, and it would take you
Speaker 1: years to google everything that you're going to get in
Speaker 1: four days. It's like a greenhouse for growth. You just
Speaker 1: kind of immerse yourself into all of this. And yeah,
Speaker 1: I mean there's at least one big takeaway from every speaker,
Speaker 1: so you can talk about twenty speakers. There's so much
Speaker 1: richness to absorb in that, and I appreciate the combination.
Speaker 1: It's a variety of topics. It's not just saving money.
Speaker 1: It's so many different things saving money, making money, spending money,
Speaker 1: how to do that wisely, how to be environmentally friendly
Speaker 1: with our frugality and minimalist and just like there's something
Speaker 1: forever one, just like frugality, it just is attainable and
Speaker 1: approachable for everybody. So I literally can't wait. I think
Speaker 1: it's the best thing we've done yet. It is absolutely
Speaker 1: the best thing we've done. I mean, the podcast is
Speaker 1: really great too. We've been doing that for over three years. Yeah,
Speaker 1: but it has led to us being able to do
Speaker 1: this on a scale that yeah, that that we wouldn't
Speaker 1: have been able to do without the podcast, but this
Speaker 1: is definitely something gosh, yeah, it's just great. So frugal
Speaker 1: Living summit dot com. We're gonna end this so you
Speaker 1: can go