Speaker 1: Episode to eighteen your invitation to Spending Symposium. Welcome to
Speaker 1: the Frugal Friends podcast, where you'll learn to save money,
Speaker 1: embrace simplicity, rights, and liver with your life. Here your
Speaker 1: host Jen and Jill m. Welcome to the Frugal Friends podcast.
Speaker 1: My name is Jen, my name is Jill, and we
Speaker 1: are so excited, so so very excited. The culmination of
Speaker 1: months of hard work, months of expert interviews, of promotion,
Speaker 1: of assembling goodie bags and giveaways and team building and
Speaker 1: everything that goes into our Frugal Living Summit is about
Speaker 1: to go down. Bob Bob bow in the best way possible.
Speaker 1: I mean that's sound like gloom, because this is the
Speaker 1: opposite of doom and gloom. This is the Spending Symposium,
Speaker 1: and it starts Monday, twenty speakers and four days of
Speaker 1: non stop frugal goodness, and not just like general frugality,
Speaker 1: but four days of helping you understand why you spend impulsively,
Speaker 1: how to stop spending impulsively, how we can spend better,
Speaker 1: and how we can optimize once we have developed these
Speaker 1: integral life skills. But first, our sponsors, m our sponsor.
Speaker 1: It's one of the same giddy anticipation, that feeling when
Speaker 1: you are so going forward to something that all your
Speaker 1: adulthood goes out the window and you just can't hardly
Speaker 1: contain yourself. That's how we're feeling about this Spending Symposium,
Speaker 1: which starts Monday. You've heard us June it is again free,
Speaker 1: a four day virtual event with twenty speakers talking about
Speaker 1: spending better and a lot of other things. Just join us,
Speaker 1: you'll see and it all starts Monday, June. There's still
Speaker 1: time to register at Frugal Living Summit dot com. So
Speaker 1: do it. Join us in our giddy anticipation. Forget about
Speaker 1: emotional regulation, responsibilities or logical thinking, roll down that window
Speaker 1: and just start yelling I can't wait, I can't wait,
Speaker 1: which is really how I'm feeling. And so today we're
Speaker 1: going to play you three clips, not full interviews, but
Speaker 1: clips from the symposium, so you can get just a
Speaker 1: small taste of what you're going to experience next week
Speaker 1: and why you want to head to Frugal Living Summit
Speaker 1: dot com to get your free ticket, your free goodie bag.
Speaker 1: Joined the Facebook group listen to our live happy hours
Speaker 1: happening throughout the week, like you are going to want
Speaker 1: to participate in this virtual event. And the thing is
Speaker 1: it's virtual and it's free, so you it doesn't matter
Speaker 1: what you're doing next week, you can participate. Everything can
Speaker 1: be listened to on your phone, on your laptop at work.
Speaker 1: It's easily accessible because we want everyone to develop the
Speaker 1: life skills that we are going to be talking about
Speaker 1: next week. And if you can't, if you absolutely can't
Speaker 1: join next week, maybe you're on a cruise and you
Speaker 1: like just don't have WiFi and you don't want to
Speaker 1: pay for it. I get it. I didn't talk to
Speaker 1: my kid for three days because I didn't want to
Speaker 1: pay for WiFi on a cruise. If you are like me,
Speaker 1: then you and get the Spending Mastery Bundle, which is
Speaker 1: lifetime access to all of the sessions with MP three downloads,
Speaker 1: which definitely were our most downloaded part of last year's bundle,
Speaker 1: fifteen resources from our speakers, courses, e books, spreadsheets, all
Speaker 1: kinds of things, and it's cheaper than the what you
Speaker 1: would pay for the WiFi on a cruise, so definitely
Speaker 1: check that out after you register. But we want to
Speaker 1: get into a few of these amazing snippets from over
Speaker 1: the first three days of the summit. Yes. So the
Speaker 1: first one is from Alison baggar Lely and you will
Speaker 1: know her as Inspired Budget on Instagram. She has the
Speaker 1: Inspired Budget podcast and in this snippet we're talking about like,
Speaker 1: what is emotional spending because that's a type of impulsive
Speaker 1: spending and what can trigger it? And listen to her
Speaker 1: example of her emotional spending. It's so relatable and uh,
Speaker 1: it will definitely give you some tips on how you
Speaker 1: can process and act if you are feeling the same way.
Speaker 1: Allison tell us a little bit about emotional spending. How
Speaker 1: does this happen? It happens when you least expect it. No,
Speaker 1: but emotional spending it's basically when you spend money, spending
Speaker 1: money based on emotions. Whether you're happy, whether you're sad,
Speaker 1: whether you're glad, whether you're board, whether you're stress, whether
Speaker 1: you feel like your life is chaotic, and you just
Speaker 1: want a sense of control. We spend money because we
Speaker 1: are taking back control of something by spending money. But ultimately,
Speaker 1: while it might make you feel good in the moment,
Speaker 1: because that's exactly how it is for me, I do
Speaker 1: struggle with emotional spending and I also love spending money
Speaker 1: while it does feel great in the moment, the aftermath
Speaker 1: of it is really just more shame, more guilt, feeling
Speaker 1: like I actually don't have control and that the spending
Speaker 1: money was just a lie to make me believe I
Speaker 1: have control. Yeah, and I love that. You also pointed
Speaker 1: out that it's not just negative emotions, but it's positive
Speaker 1: emotions as well. Very often spend to celebrate, and so
Speaker 1: it's it's all these emotions in our lives that we
Speaker 1: use spending to deal with. Yes, And you're absolutely right,
Speaker 1: Like I'm thinking right now, when I hit a milestone
Speaker 1: in my business, I immediately wanted to celebrate. And it's
Speaker 1: so interesting because I can't even see it in my children.
Speaker 1: I can see their emotional spending in my children. One
Speaker 1: of my children said, great, let's go get ice cream,
Speaker 1: and my other kid was like, great, let's go get
Speaker 1: a hotel room for two nights and go out to
Speaker 1: eat and play in an indoor swimming pool. And I
Speaker 1: was like, yeah, you're my kid like that one's fine.
Speaker 1: I made that it is. It is not. I think
Speaker 1: a lot of people think that emotional spending just ties
Speaker 1: to when you're depressed or when you're anxious, but it's not.
Speaker 1: It's also ties to positive emotions and then just feeling
Speaker 1: apathy and boredom is a lot of what trick can
Speaker 1: trigger emotional spinning as well. I think we've not many
Speaker 1: of us haven't been taught another way to be able
Speaker 1: to reward ourselves or care for ourselves. It's almost like food.
Speaker 1: I remember I still distinctly remember a time when there
Speaker 1: was a parent friend of mine who was making goodie
Speaker 1: bags for their child's birthday party and they didn't want
Speaker 1: to put any candy or food items in it. And
Speaker 1: I had this like visceral reaction, like then, what are
Speaker 1: you possibly gonna put in it? Like all I know
Speaker 1: for reward is like food. All I know for like
Speaker 1: what kids are going to enjoy is candy, And I'm like,
Speaker 1: who wants a pencil eraser? But from term, there are
Speaker 1: other things that can be given, And similarly with this concept,
Speaker 1: there are other things we can do. It doesn't mean
Speaker 1: the absence of celebration or the absence of caring for
Speaker 1: ourselves when we're down, but learning new ways to do
Speaker 1: that that isn't going to cost us money if we
Speaker 1: don't want to spend it as intentional and and on
Speaker 1: that note, chill, not even just learning the new ways,
Speaker 1: but being able to recognize the patterns that we don't
Speaker 1: even see in ourselves. And that's I think one of
Speaker 1: the biggest things that people need to uncover is looking
Speaker 1: back at your past spending history and realizing, Okay, did
Speaker 1: I spend emotionally in this situation, and if I did,
Speaker 1: what happened before that moment and what caused me to
Speaker 1: not want to sit in that emotion Because I fully
Speaker 1: believe that while it's nice to escape uncomfortable emotions or
Speaker 1: celebrate positive emotions, were meant to sit in our emotions
Speaker 1: and experience them. And that can be really uncomfortable for
Speaker 1: a lot of people. And the world has taught us, Hey,
Speaker 1: you don't need to be uncomfortable. You don't need to
Speaker 1: sit in that feeling. You just need to go and
Speaker 1: spend money and replace that feeling with um an adrenaline rush,
Speaker 1: which is exactly what I did for so many years.
Speaker 1: I feel like that's maybe the first takeaway from this.
Speaker 1: There's gonna be like a million takeaways. So just like
Speaker 1: get your pencils out, but like finding something like just
Speaker 1: don't even leave it to chance, Just like make start
Speaker 1: making your lists like, what are the free things I'm
Speaker 1: gonna do to deal with negative emotions? What are the
Speaker 1: free things I'm gonna do to like celebrate positive emotions?
Speaker 1: And then maybe like a budget list, like what are
Speaker 1: the like low cost ways I'm going to celebrate? What
Speaker 1: are the low cost ways I'm going to try to
Speaker 1: distract myself with negative emotions because we don't have to
Speaker 1: be perfect. You won't be perfect, So I just planned
Speaker 1: to not be perfect exactly, and so I know patterned
Speaker 1: thing to like even thinking back to how are these
Speaker 1: things handled when I was growing up? Because like that's
Speaker 1: that's the same thing with candy, Like this is what
Speaker 1: you think I received candy as a kid, and I
Speaker 1: find myself now I give candy to kids. I know.
Speaker 1: I know the kid Jill candy, right, we needed? We need?
Speaker 1: She's like in my white van and I is there
Speaker 1: something wrong with this? She does she pulls up in
Speaker 1: her white suv. Same thing. It's just like smotions. And
Speaker 1: while you're there thinking through and processing how has this
Speaker 1: been handled in the past? How do I want to
Speaker 1: handle it? Going forward? Work, which is hard because it
Speaker 1: requires a self discipline that we haven't taken the time
Speaker 1: to practice. Before. So the idea that I'm going to
Speaker 1: be able to tackle this right away and immediately see
Speaker 1: results is absolutely ridiculous because for years, however many years
Speaker 1: are you old, you maybe saw this type of behavior
Speaker 1: in our family, or you've been practicing it yourself, So
Speaker 1: it's going to take time to you know, develop that
Speaker 1: sense of self discipline. But here's what I what I
Speaker 1: would love for anyone who's watching to do is I
Speaker 1: want you to think back to a time whenever you
Speaker 1: spent money impulsively, and if it's okay with you, guys,
Speaker 1: I'd like to actually walk through a situation then when
Speaker 1: I did this myself. So the first thing I want
Speaker 1: you to do is I want you to think. And
Speaker 1: I'm looking over here because I actually just wrote a
Speaker 1: chapter in my book about this, and so i'm looking
Speaker 1: at my book right now that I wrote. But the
Speaker 1: first thing is I want you to basically just list
Speaker 1: out the experience, what happened. And so I'm going to
Speaker 1: paint this picture for you of a time whenever I
Speaker 1: caught myself in the moment emotionally spending and it was
Speaker 1: back when I had started inspired by jet. It was
Speaker 1: a business owner, but I was still teaching full time,
Speaker 1: so I was waking up at six am byt every morning,
Speaker 1: going to teach you and get my kids up at
Speaker 1: two kids still do two kids, taking them to school,
Speaker 1: getting to school teaching. I would be up at the
Speaker 1: school by seven am. I want to get home from
Speaker 1: picking up my kids from daycare until five thirty, make dinner,
Speaker 1: do baths, put everyone to bed. Then I would sit
Speaker 1: down at this little tiny desk in the corner of
Speaker 1: my primary bedroom and I would work from about eight
Speaker 1: to eleven and I would work on my business. I
Speaker 1: would work on inspired budget and create printables. I'd write
Speaker 1: blog posts. And that was very overwhelming, and I'll never forget.
Speaker 1: There was this day and everyone had already gone to
Speaker 1: bed because it was a school night. I was up.
Speaker 1: It was maybe ten or ten thirty, my husband sleeping
Speaker 1: in the room while I'm sitting on my you know,
Speaker 1: in the dark, with my computer the only lighting source
Speaker 1: in my room, and I remember looking at my to
Speaker 1: do list for my business, and I remember just feeling
Speaker 1: so stressed and overwhelmed, and I felt like I had
Speaker 1: no control. I was just like, oh my gosh, what
Speaker 1: am I going to do? And in that moment, my
Speaker 1: next reaction, without even thinking about it, was I literally
Speaker 1: opened up a new tab in my browser and I
Speaker 1: went to Amazon and I just started scrolling because in
Speaker 1: that moment, I had no control over myself. I felt
Speaker 1: so out of control, I felt so overwhelmed. But shopping,
Speaker 1: I knew and make me happy, and I knew it
Speaker 1: would bring me joy, and I knew that I would
Speaker 1: get that that very tiny little adrenaline rush that would
Speaker 1: kind of perk me up and I could finish my
Speaker 1: night of work because I had something happy that happened
Speaker 1: to me in that moment, and I was able to
Speaker 1: take back control when I felt like it was gone.
Speaker 1: And so looking back at that experience, when you're able
Speaker 1: to look back at your experiences and developed and find
Speaker 1: patterns in them, you can look at three things you
Speaker 1: can look at when when did it happen? Well, for me,
Speaker 1: it happened late at night, no one else is awake,
Speaker 1: right and left my own devices. I have no self
Speaker 1: control because I've exhausted, right because I was working so much.
Speaker 1: So when did it happen? Where will it happened at home?
Speaker 1: It happened when I was, you know, working on my business.
Speaker 1: It happened when I was. I didn't have anyone else
Speaker 1: to turn to. I didn't have someone that I could
Speaker 1: just lean on, and you know, I couldn't wake up
Speaker 1: my husband and say, hey, I'm really stressed about this.
Speaker 1: And then why and my why in that moment was
Speaker 1: I felt like my life, my business. I just felt
Speaker 1: very overwhelmed, and if I could do one thing instead
Speaker 1: of working on my business and doing one thing there
Speaker 1: that would bring me back control. I saw out something
Speaker 1: that was easier and happier, and I wanted to do
Speaker 1: that one thing to replace that emotion. And so looking back,
Speaker 1: when you're able to find the patterns in your impulse spending,
Speaker 1: that's when you can then say, Okay, what boundaries do
Speaker 1: I need to put in place now so that this
Speaker 1: is no longer an issue for me? Because when we
Speaker 1: don't look at the patterns first and we just start throwing,
Speaker 1: you know, band aids on the problem, it's not going
Speaker 1: to go away. Allison is so amazing, and we hope
Speaker 1: that you get to hear her full interview because she
Speaker 1: shares so many awesome, tangible tips and she is super relatable.
Speaker 1: I think one of the things that stands out to
Speaker 1: me about this segment where she's talking about feeling out
Speaker 1: of control in her business is that it wasn't that
Speaker 1: she wasn't being responsible, it was that she wanted a
Speaker 1: reward for all the hard work and responsibilities that she
Speaker 1: was doing, which I think I can experience that too.
Speaker 1: Oftentimes will think about impulse spending is just you're not
Speaker 1: doing much. Maybe there's a connotation of laziness attached to it,
Speaker 1: you're not thinking about it, But really it was more
Speaker 1: of a distraction. A reward won a way to say, yes,
Speaker 1: I'm working really hard for this thing, and I want
Speaker 1: to feel congratulated in some way. No one else is
Speaker 1: doing it, so I got to do it for myself.
Speaker 1: And and I think it's not that, oh, we can't
Speaker 1: have a reward, it's that we need to be able
Speaker 1: to find ways that aren't going to hijack our spending
Speaker 1: in ways that we don't want to be spending, and
Speaker 1: so finding some of those free ways of celebrating not
Speaker 1: abandoning celebration or reward all the time. So that was
Speaker 1: really helpful for me to kind of reorient some of
Speaker 1: the reasons that we might sabotage our spending habits. And
Speaker 1: it's not always just because I'm walking through a store
Speaker 1: and I'm not thinking straight and something finds its way
Speaker 1: in my cart. Yeah. I always love chatting with Alison,
Speaker 1: and I am like I am, I'm blessed that I
Speaker 1: get to do it all the time. She's a really
Speaker 1: good friend. But she is one of the and I
Speaker 1: had to text her this after our interview with her.
Speaker 1: Is one of the best interviewees that we've ever that
Speaker 1: we we get the chance to talk to because she's
Speaker 1: so authentic and vulnerable and she goes into even more
Speaker 1: depth in the rest of the interview. But it is
Speaker 1: definitely one to check out on day one of the summit.
Speaker 1: And yeah, I we don't talk about emotional spending as
Speaker 1: much as we should. We talked more about the small
Speaker 1: impulses in the grocery store or whatever. But this is
Speaker 1: something when you can identify it, you can start to
Speaker 1: work through it and it will make a big difference
Speaker 1: in how you keep your budget. So our next clip
Speaker 1: is from Jade Warshaw and she is from More feast
Speaker 1: Less Famine on Instagram and she also has a great
Speaker 1: YouTube channel and and we just we loved talking to Jade.
Speaker 1: She is sharing her debt payoff story on day two,
Speaker 1: and it's so relatable because like Jade and her husband
Speaker 1: are musicians, they're artists. They're not engineers, they're not doctors,
Speaker 1: like they are just trained artists. And so I felt
Speaker 1: like this was a very relatable debt payoff story and
Speaker 1: her her her feelings are I heard a lot of
Speaker 1: my own feelings about my debt payoff story in her.
Speaker 1: So I hope that you will, if you're going through one,
Speaker 1: feel about like you'll hear that in your own story too.
Speaker 1: And that yeah, that guilt and shame is like a
Speaker 1: big part of it, and it is why like so
Speaker 1: many people just brush it off to the side, put
Speaker 1: it in a closet and ignore it. So like, how
Speaker 1: did you push through that feeling? You know? I think
Speaker 1: two things. Um, we had the support, you know when
Speaker 1: I tell people all the time, having when you when you,
Speaker 1: like you said, you kind of throw the lights on,
Speaker 1: you open up the closet and you see, Okay, here's
Speaker 1: the problem. You know. I think in our culture and
Speaker 1: in our society, we try to do a lot of
Speaker 1: things alone because if you if you can accomplish this,
Speaker 1: then you're you're your own hero. And it's not like
Speaker 1: that like, you need help, and a lot of times
Speaker 1: in life we just have to acknowledge we need help,
Speaker 1: we need support, we need to reach out. And you know,
Speaker 1: for my husband and I, the first of that was
Speaker 1: looking to each other and going, Okay, if we're gonna
Speaker 1: get through this, we're gonna get through it together. And
Speaker 1: then you know from there, you know, and I you know,
Speaker 1: I say this on my social media all the time,
Speaker 1: like if you're going to tackle anything, like if you're
Speaker 1: gonna make any major change, whether it be tackling debt
Speaker 1: or you know, died and exercise or whatever it is
Speaker 1: that you're trying to, you know, make strides in I
Speaker 1: always tell people like, if you can do three p's,
Speaker 1: then it will help you. If you can find the
Speaker 1: right people, which are those people who will support you,
Speaker 1: They will tell you the truth, you know, they'll keep
Speaker 1: you encouraged. If you can find a purpose, that's the
Speaker 1: second P. You know that purpose is like that why,
Speaker 1: like that underline why that drives you. So if you
Speaker 1: can find your purpose in three if you can find
Speaker 1: a proven plan, which is something that you has already
Speaker 1: worked for other people, there's a track record, there's something
Speaker 1: that you know Okay, if I follow these steps, this
Speaker 1: can work. I think if you can find those three things,
Speaker 1: they will push you and motivate you and keep you
Speaker 1: on moving in the right direction. You know. For me,
Speaker 1: like I said that, people, my husband, my family, my friends.
Speaker 1: When when it was time for us to get out
Speaker 1: of debt, we didn't keep it a secret. We told
Speaker 1: everybody because we wanted that accountability. We wanted people to know, Hey,
Speaker 1: we're working on this, you know. And basically, if you
Speaker 1: see us geting off tracks, say something like, hey, Jade,
Speaker 1: you know, I'm surprised that you went shopping. I thought
Speaker 1: you were getting out of debt. You know, I wanted
Speaker 1: that accountability, you know, with our purpose. You know, for me,
Speaker 1: I always envisioned the family and I had this vision
Speaker 1: in my head of you know, being able to walk
Speaker 1: my kids to cool and being able to go to
Speaker 1: their soccer games, and where we were that wasn't gonna happen.
Speaker 1: So I needed to keep that vision in my head
Speaker 1: of Jade, if you want this, and if you wanted
Speaker 1: the way that you were envisioning it, you've got to
Speaker 1: keep going. And then finally, the plan, you know, like
Speaker 1: I said, for my husband, the plan that worked for
Speaker 1: us was um, the Ramsey plan. That might not be
Speaker 1: the plan for you, but whatever it is, find a plan.
Speaker 1: And what I say is just submit to that plan.
Speaker 1: Just throw your ego aside, because especially with money, there's
Speaker 1: just that feeling of, oh, oh, I know what to
Speaker 1: do here, like I'll just you know, I know what
Speaker 1: to do. But you have to like have that reality
Speaker 1: moment of like, if I knew what to do, then
Speaker 1: I wouldn't be in this mess. So I need to
Speaker 1: look to something else that has worked more times, you
Speaker 1: know what I mean. And there's something to that. I mean,
Speaker 1: I think it's just kind of like I said, putting
Speaker 1: that ego aside and going, you know what, I've messed
Speaker 1: up with money, like I haven't haven't gotten it right,
Speaker 1: So I need to I need to learn. I need
Speaker 1: to look to something and I need to follow a
Speaker 1: process that has been proven to work. And if I
Speaker 1: follow the process and to a t and it still
Speaker 1: doesn't work, then let's pick another process and and you know,
Speaker 1: continue to just walk down that path. So I love
Speaker 1: the accepting that there's room to grow, there's places where
Speaker 1: learning can come into place. But with the rejection of
Speaker 1: the guilt and shame. I think sometimes we don't know
Speaker 1: how to separate the two of I can admit that
Speaker 1: I didn't do this the exact right way, but it
Speaker 1: doesn't mean that I'm a complete failure and I can
Speaker 1: never do better. I mean absolutely, And what you're saying,
Speaker 1: I mean, let's look at what's happening right now. I mean,
Speaker 1: you've got to believe that nothing is wasted. You've got
Speaker 1: to believe that the things that take place, the challenges
Speaker 1: that you face, are here for no reason alone but
Speaker 1: to grow you and so you can be a help
Speaker 1: for others. Like the fact that I'm sitting here, the
Speaker 1: whole point of me and my husband going through this
Speaker 1: was the people who are listening right now. It wasn't
Speaker 1: just for me and for my husband to keep to
Speaker 1: ourselves and go, okay, like we did this cool thing. Yeah, Yang,
Speaker 1: it's it's given us now a platform to speak, you know,
Speaker 1: and help people and motivate people and hopefully give them
Speaker 1: an encouragement. And that's the reason we go through anything tough,
Speaker 1: right Like, That's the reason we grow is for that
Speaker 1: purpose alone. It's not just for us preach, preach, say loud.
Speaker 1: For the people in the back thank you well, and
Speaker 1: I say I appreciate you sharing this because it is unusual,
Speaker 1: probably not unusual where people find themselves in that much debt,
Speaker 1: but to be to talk about it. You know, often
Speaker 1: we hear okay, eighty thousand, maybe a hundred thousand, but
Speaker 1: never do you hear four hundred sixty thousand. And so
Speaker 1: I think for the people who are in that situation,
Speaker 1: or to that situation, or any sort of debt, it
Speaker 1: can help to give that breath of fresh air to
Speaker 1: say okay, and someone else did it. I have talked
Speaker 1: with so many people recently who have different barriers to
Speaker 1: why they can't make shifts in their financial situation. I
Speaker 1: have heard literally in the last week. Maybe I'm interacting
Speaker 1: with more people. I don't know, but I'm too old,
Speaker 1: I am, I'm too set in my ways, I'm too
Speaker 1: far gone, I'm in too much debt, I'm not interested
Speaker 1: in finances. Right. There's so many things that we can
Speaker 1: put on as to why I'm just not willing to
Speaker 1: do experience growth in this area. And so I'm curious
Speaker 1: for you, J because this would be the reason. Right,
Speaker 1: I am nearly half a million dollars in debt. There
Speaker 1: is no way, like I'm too far gone. This is
Speaker 1: my life now I'm going to learn to accept it.
Speaker 1: What what was that like for you to start to
Speaker 1: get that in order? And I know you've provided great
Speaker 1: tangibles with the three piece, but just like a first step,
Speaker 1: like where should someone begin with those barriers? Yeah? Great question.
Speaker 1: I mean the first thing is getting organized, Like literally,
Speaker 1: you don't see the room because you're probably not organized.
Speaker 1: So literally, the first step is listing out all of
Speaker 1: your expenses, everything that you can think of, because my
Speaker 1: guess is you're probably not on a budget. And the
Speaker 1: first step to doing that is just knowing what you
Speaker 1: have to work with and what you have to pay.
Speaker 1: So a lot of people I have found they don't
Speaker 1: even truly know exactly how much money they make. You know,
Speaker 1: a lot of people don't know exactly how many bills
Speaker 1: they have. So getting organized and listening out all of
Speaker 1: your expenses, um, both fixed and variable, listing out what
Speaker 1: your incomes are coming into the house, and then creating
Speaker 1: a budget. The budget is like everything because your budget informs,
Speaker 1: it informs what you can spend, it informs what goals
Speaker 1: you're putting money towards. You know, a lot of people
Speaker 1: think that your budget is just a list of bills,
Speaker 1: and and that's not exactly it. You know, your budget
Speaker 1: should have the amount of money that you earn each month.
Speaker 1: So let's say I don't know, Let's say you earn
Speaker 1: three thousand dollars a month, and after that, you're spending
Speaker 1: every dime of that on paper on purpose, You're you're
Speaker 1: you're putting your bills in there, You're putting your variable expenses,
Speaker 1: which are things like groceries, things like you know, spending
Speaker 1: on hair or or grooming, things that you can kind
Speaker 1: of control the amounts, and then you're including your your
Speaker 1: goals in there, so if there's any money left over,
Speaker 1: you're putting that towards you know, paying off that first
Speaker 1: small debt, or you know, putting together a quick emergency
Speaker 1: fund so that you've got money for a rainy day,
Speaker 1: and really just planning and organizing your money. You know,
Speaker 1: a budget is just like taking that that messy closet
Speaker 1: that's got all that crazy stuff in and you just
Speaker 1: shove it in there. A budget is putting like that
Speaker 1: awesome like organization system in there, right so that when
Speaker 1: you open the is it it's like your shoes are here,
Speaker 1: and your belts are here, and your pants are here,
Speaker 1: and it looks awesome and it's not overwhelming. It's actually
Speaker 1: something you like looking at and like going into. And
Speaker 1: I think that with money, it's the same way. Setting
Speaker 1: it up in an organized way. You get to choose
Speaker 1: how you spend it. Right, It's not like somebody is
Speaker 1: saying you must you know you must spend your money.
Speaker 1: You're choosing. You're saying, you know what. It feels good
Speaker 1: to know what I have. It feels good to pay
Speaker 1: feals on time. It feels good to know that, at
Speaker 1: any given moment exactly how much money I have in
Speaker 1: my checking account. I really appreciated Jade's entire talk, and
Speaker 1: I think this part about the budget I really enjoy. No, Jen,
Speaker 1: you've gone through your own journey with budgeting, but I
Speaker 1: think the way that Jade highlights how important a budget
Speaker 1: was for them, and just a way of organizing our
Speaker 1: fine dances. Again, I think anytime we can find a
Speaker 1: helpful mindset shift or a perspective shift, it doesn't even
Speaker 1: mean that we're changing our circumstances that much. Just the
Speaker 1: way that we're looking at an issue or even a
Speaker 1: solution can help us, and so I think the way
Speaker 1: that Jay describes budgeting could be one of those for
Speaker 1: some people of how can I view this in a
Speaker 1: way that doesn't feel stifling but actually helpful and beneficial
Speaker 1: for me. Yeah, she just offers a lot of really
Speaker 1: helpful tips for people who are are feeling some type
Speaker 1: of way about like their debt payoff, and it's just
Speaker 1: like gracious toughness about what you kind of have to
Speaker 1: do to get your finances together, and but without all
Speaker 1: the guilt and shame. That's what I really love that
Speaker 1: she really breaks through what we can feel about a
Speaker 1: out our debt, about maybe the mess we've gotten into
Speaker 1: with our finances. The past is the past, and if
Speaker 1: you choose to be different in the future, then then
Speaker 1: there is no more guilt, there is no more shame
Speaker 1: because you're choosing to be someone different and doing something different.
Speaker 1: And I just it's a refreshing take ye. Jade's also
Speaker 1: refreshing in the sense that she's still working in the
Speaker 1: music world. So I think a lot of times we
Speaker 1: can chat with folks who have started in a different
Speaker 1: career and now are fully in personal finance, and I
Speaker 1: think Jade has found her way into that a bit,
Speaker 1: but she hasn't let go of some of those other
Speaker 1: things that are really enjoyable for her. So I think
Speaker 1: that she brings a helpful perspective in that regard because
Speaker 1: she's still in that world. She's still holding a previous career.
Speaker 1: It might look different from when she first began. But
Speaker 1: I think for those of us who might not feel
Speaker 1: as though, Okay, I gotta switch everything, I'm gonna start
Speaker 1: blogging about personal finance, like you can still do what
Speaker 1: you're doing, and pair that with some of these new
Speaker 1: learnings and ways of approaching budget and debt payoffs. So
Speaker 1: that's that's a fun thing about Jade's story too. Yeah,
Speaker 1: She's not one of these people. It's like, oh, I
Speaker 1: switched to blogging and I make six figures and now
Speaker 1: I paid off my debt in a year because of
Speaker 1: all the money I'm making, which is all lies, always
Speaker 1: all lies. If it sounds too good to be true,
Speaker 1: it is it is. So I appreciate, Yeah, I I
Speaker 1: also appreciate that about Jade. Our next segment, our final
Speaker 1: segment that we're going to play for you, is from
Speaker 1: day four and it's from Jesse fear On. So this
Speaker 1: is on day three, and she's talking about how to
Speaker 1: help your brain make better spending decisions. And so she
Speaker 1: talks a lot about routines and how different tips for
Speaker 1: how we can over come decision fatigue. Um, and so
Speaker 1: I I love this clip, and so I hope you
Speaker 1: guys will too. So let's dive in and ask you
Speaker 1: like a big question. And this is a very loaded question,
Speaker 1: So we'll just skip the pleasant tries and just start
Speaker 1: out like into it. Why do we do the opposite
Speaker 1: of what we say we want to do? That's like
Speaker 1: a major like budgeting, like qualm, that's a major qualm
Speaker 1: I have with budgeting. I don't know really what the
Speaker 1: word qualm actually means, but if I did, it's what
Speaker 1: I would have with that. Like, so, why do I
Speaker 1: make a budget and then do the opposite of what
Speaker 1: I say I want to do? Well, it's because you're human? Um. Um,
Speaker 1: you know we're not robots right um. But you know,
Speaker 1: I also think it's because a lot of times we
Speaker 1: get caught up in the living. Someone else is a dream,
Speaker 1: but we think it's ours, Like we've we've said, oh
Speaker 1: that's my dream, that's my dream too. But really it's
Speaker 1: because we haven't actually sat on and defined our dream
Speaker 1: and what we really want out of life, and instead
Speaker 1: we just see, oh, Sally over there is just really
Speaker 1: killing it. So I'm gonna do what she's doing, and
Speaker 1: I'm gonna have that too, instead of sitting down and
Speaker 1: getting real with ourselves and discovering for ourselves, like what
Speaker 1: is important, what's not important? What do we what do
Speaker 1: I really hope to have achieved? Um in my lifetime.
Speaker 1: One of the most powerful things that I ever did
Speaker 1: was at this conference a few years ago and they
Speaker 1: had us right um our eulogies for our funerals. They
Speaker 1: made us like write it and so weird, I know,
Speaker 1: but it really brought into focus like what I hope
Speaker 1: when I leave this world, what I'm remembered for, and
Speaker 1: what's actually important to me. And when I was able
Speaker 1: to do that, was able to bring it back and
Speaker 1: kind of ask myself, Okay, like am I headed in
Speaker 1: that direction? Or am I headed in a different direction?
Speaker 1: And how do I get going in that direction? And
Speaker 1: so I think that that's where a lot of times
Speaker 1: it comes from. We we we want to do certain things,
Speaker 1: but then we do the opposite of it, because maybe
Speaker 1: a part of us doesn't actually want that thing that
Speaker 1: we say that we do um or maybe we just
Speaker 1: want a small part of that, we don't want the
Speaker 1: whole thing, And so it really comes down to us
Speaker 1: just sitting down and defining it for ourselves. That's an
Speaker 1: interesting point that both could be true for why we
Speaker 1: don't do the things we say we're doing. It couldn't
Speaker 1: be that the thing we're saying we're doing is not
Speaker 1: actually what we want, or the thing that we say
Speaker 1: we're doing we want to do, but then impulse decisions
Speaker 1: come in and we just end up doing whatever everybody
Speaker 1: else is doing. And maybe what's on paper is accurate.
Speaker 1: I think that can go in both, and it's it's
Speaker 1: also interesting to me. I think I could know, or
Speaker 1: at least say verbally, yeah, my life is not other
Speaker 1: people's lives. I don't have to live with the way
Speaker 1: other people do. But then rubber meets the road, and
Speaker 1: I can feel uncomfortable making different decisions, like it was
Speaker 1: uncomfortable for me the first few times that I said
Speaker 1: I don't like Target and I don't like Starbucks, and
Speaker 1: people are like, how good you not? Oh my gosh,
Speaker 1: And in some ways it's like an offensive thing to
Speaker 1: say to people because it's where they spend the most
Speaker 1: of their discretionary funds. And so actually putting that into
Speaker 1: practice I think can be really difficult. But I think
Speaker 1: you're giving us some keys and how to do that. Like,
Speaker 1: I mean, the your eulogy thing is next level. I love.
Speaker 1: I've heard of that before, and I don't think I
Speaker 1: haven't actually done it. I don't think we've actually asked
Speaker 1: our audience to do it before. But that is that
Speaker 1: is powerful, and I think it's something I think I
Speaker 1: want to take forward with me. It is because it's
Speaker 1: so final, because they're like, this is this is the
Speaker 1: last you know, like you're not coming back from the
Speaker 1: day to do anything more. So those you know, when
Speaker 1: you leave this world, what is it that you hope
Speaker 1: is left behind? Like what mark have you left behind? Um?
Speaker 1: And so like for me, it just really challenged me
Speaker 1: in that regard when um of defining what was actually
Speaker 1: really important to me. Sometimes knowing the big things can
Speaker 1: help us in the smaller things. But speaking of the
Speaker 1: smaller things, I think another part of what we're talking
Speaker 1: about here is just how busy our lives can be,
Speaker 1: how many choices we have to make, in a day,
Speaker 1: and how decision fatigue bears weight on the decisions that
Speaker 1: we make, in whether or not they were intentional decisions
Speaker 1: that we actually wanted to make for ourselves. Jesse, what
Speaker 1: would you say, at its core is decision fatigue? What
Speaker 1: brings it on? Why do we experience it? Um? Well,
Speaker 1: so to illustrate that, I'm gonna use my own life
Speaker 1: um so. Ten years ago, right before um actually, while
Speaker 1: I was in labor getting birth to my oldest child,
Speaker 1: I was still working away on my laptop in the hospital.
Speaker 1: Really not funny to think about it, but I was.
Speaker 1: That's what I was doing. I was a project manager
Speaker 1: for this engineering company based in it Lantau, but I
Speaker 1: was on the national side, so I had projects all
Speaker 1: over the country. I had almost a thousand projects going
Speaker 1: on at that time that I'm literally in the hospital
Speaker 1: bed getting birth. Um But I felt fine. I felt
Speaker 1: very in control over my life. And then flat fash
Speaker 1: forward ten years and that's not the case anymore. And
Speaker 1: of course a lot of things have just to change,
Speaker 1: um in the in the world of like societal things.
Speaker 1: You know, our phones were so much attached to them.
Speaker 1: We have so much more digital clutter than we did
Speaker 1: ten years ago, which have a lot more. And of
Speaker 1: course I'm now a mom of three kids and two dogs,
Speaker 1: and you know, and so things have changed dramatically, and
Speaker 1: so there's all these other little small decisions that I
Speaker 1: have to make a day in and day out. And um,
Speaker 1: for a long time, it almost correct me, and I
Speaker 1: realized part of it is actually because I didn't have
Speaker 1: a solid daily routine in place. And as a former
Speaker 1: project manager, I'm speaking a lot to moms here in particular,
Speaker 1: because we do manage other people's schedules all the time,
Speaker 1: right or to a spouse who maybe manages their spouses. Um,
Speaker 1: something I learned is that the whole rest of my
Speaker 1: family's life to be in control, I had to get
Speaker 1: my life in control. I had to get my routine
Speaker 1: built and established. And then that way I could help
Speaker 1: and manage everybody else's time and help them learn how
Speaker 1: to get on a routine as well. And UM, that
Speaker 1: absolutely so much with my decision fatigue and my burnout,
Speaker 1: because then it took away a lot of those you know,
Speaker 1: those little fires that pop up all the time, because
Speaker 1: I actually had a way of being able to deal
Speaker 1: with them from that forward. Yeah, that is such a
Speaker 1: great like strategy to to eliminate that because you don't
Speaker 1: think about, especially with kids, you don't think about all
Speaker 1: the little micro decisions that you are making all day
Speaker 1: every day, and like we think we're in control, and
Speaker 1: then by the end of the day it's all for
Speaker 1: nothing because our brains are just exhausted from like what
Speaker 1: am I going to wear? What is my kid gonna wear?
Speaker 1: What am I going to eat? How much should I eat?
Speaker 1: Should I stop eating? Now? Like that's that's usually my day.
Speaker 1: It's like when am I gonna eat? What should I eat?
Speaker 1: We should stop eating? All of that? So like when
Speaker 1: am I gonna brush my teeth? Am I brushing my
Speaker 1: teeth long enough? Like all these tiny little eight questions
Speaker 1: in my head that by the end of the day
Speaker 1: it is I am exhausted. But like having a plan
Speaker 1: and creating, like I just deciding, like I do this
Speaker 1: at this time for this length of time, it can
Speaker 1: eliminate like half of those decisions. So like when so
Speaker 1: when it's at the end of the day and you
Speaker 1: really have to make actual, like important decisions that are
Speaker 1: more important about then should I stop eating now? You
Speaker 1: can actually like make them with wisdom exactly exactly your
Speaker 1: brain is not so fried. Yeah, besides planning, is there
Speaker 1: anything else you can do to like reduce decision fatigue? Um? Well,
Speaker 1: kind of going a little bit back to the to
Speaker 1: the routine is I think that what's really important is
Speaker 1: coming up within that routine, Like say, whatever time you're
Speaker 1: gonna wake up in the morning, at be six o'clock,
Speaker 1: what are the first thirty minutes of your day are
Speaker 1: you going to do? Are you gonna be rushing up
Speaker 1: the order gets work? Are you gonna sit down and
Speaker 1: have a cup of coffee? Are you gonna pray? Are
Speaker 1: gonna do are you gonna work out? You're gonna reach by,
Speaker 1: I be gonna read a book. What are you gonna do?
Speaker 1: Are you gonna work on your side hustle? What are
Speaker 1: you gonna do for that first thirty minutes of the day.
Speaker 1: And then at some point in the middle of the day,
Speaker 1: with your lunch break, it's your kids nap, you know,
Speaker 1: nap time, you're sitting in car pool whatever for thirty
Speaker 1: minutes in the middle of the day, what are you doing?
Speaker 1: What is being done in that time? Are you cleaning,
Speaker 1: preparing for dinner? What are you doing um, and then
Speaker 1: in the evening before you go to bed, that last
Speaker 1: thirty minutes, what are you doing? That absolutely helped me
Speaker 1: because then I was able to look over my day
Speaker 1: and played my day accordingly because I knew I had
Speaker 1: thirty minutes in the middle of the day that if
Speaker 1: I you know, I have a cleaning schedule too, like
Speaker 1: I clean bathrooms on Mondays, so I knew that I
Speaker 1: could get the bathrooms clean and that thirty minute time window,
Speaker 1: you know, if I had not had any other time
Speaker 1: during that day, if I was being pulled in too
Speaker 1: many different directions, I had thirty minutes because that is
Speaker 1: the lot of time I had on my little plan,
Speaker 1: and that was it. And I think that it's really
Speaker 1: important that maybe sometimes if we break it down to
Speaker 1: just giving ourselves, like a thirty minute block to do
Speaker 1: something in whatever it may be, whatever we're gonna catch
Speaker 1: up on, whatever is important, to put them in those blocks,
Speaker 1: because then they get done and then you're not just
Speaker 1: constantly pulled into fifteen million different directions. M I love
Speaker 1: how time limited that is too. I think finding those
Speaker 1: thirty minutes can can be reasonable. Maybe we need to
Speaker 1: start with ten, fift twenty minutes, but hopefully you've got
Speaker 1: thirty minutes that you can carve out for yourself three
Speaker 1: times a day, and if not, then maybe that's a
Speaker 1: warning sign that we evaluate the way that our lives
Speaker 1: is structured if we can't keep up with anything. Jesse
Speaker 1: is another person who has revisited our podcast, so that's
Speaker 1: always fun to bring back faces and perspectives that we
Speaker 1: know are really amazing. So that was fun, And of
Speaker 1: course I love the times when we can talk about
Speaker 1: tangible tips, the low hanging fruit, the things that we
Speaker 1: can be trying on for size. Of course, what's going
Speaker 1: to work for one person won't work for all people.
Speaker 1: But this ability to engage in a routine and see
Speaker 1: it make a difference in our emotional lives, are spending lives,
Speaker 1: are relational lives, Like what is being offered here isn't
Speaker 1: just beneficial for spending and finances, it's across the board.
Speaker 1: Routines are incredible. I think we as humans are created
Speaker 1: for some version of routine. We all need it to
Speaker 1: various degrees. But when we can find what works for
Speaker 1: us like Jesse is describing, it can really really help
Speaker 1: eliminate some of those decisions that we need to make
Speaker 1: throughout the day which makes life go better for us. Yeah,
Speaker 1: And I know when I first heard like thirty minutes
Speaker 1: three times a day, I'm like, who has thirty? Who
Speaker 1: has an hour and a half? And then I'm like,
Speaker 1: what what do I need to get out of my
Speaker 1: life to make time for that? Because it's not and
Speaker 1: I can't. It's a how can I? And if this
Speaker 1: is something that is going to help me make better
Speaker 1: decisions and overall, especially spending decisions what we're focusing on
Speaker 1: this week, If this is something that's going to help
Speaker 1: me in my life long term, how can I carve
Speaker 1: out thirty minutes three times a day? Because if you
Speaker 1: think about it, you should be able to do that theoretically,
Speaker 1: thirty minutes in the morning, thirty minutes before bed, and
Speaker 1: thirty minutes at lunch. That should be a thing normal
Speaker 1: human beings can do. So what do I need to
Speaker 1: take out of my life that does not serve me
Speaker 1: in order to make room for a system and to
Speaker 1: incorporate systems that do um So I hope that I
Speaker 1: hope that you'll listen to Jesse's talk on day three
Speaker 1: and that you'll challenge yourself to remove some of the
Speaker 1: things from your life that allow you to put healthier practice,
Speaker 1: like replace them with healthier practices. Speaking of healthy practices
Speaker 1: and something we're not going to remove, there is always
Speaker 1: time for this always, that's right, it's time for the
Speaker 1: best minute of your entire week. Maybe a baby was
Speaker 1: born and his name is William. Maybe you paid off
Speaker 1: your mortgage, maybe your car died and you're happy to
Speaker 1: not have to pay that bill anymore. Tough bills, Buffalo bills,
Speaker 1: Bill Clint, this is the bill of the week. Hi,
Speaker 1: my name is Taren. I listened to your podcasts. I'm
Speaker 1: from the UK. Today. I managed to renew my car
Speaker 1: insurance and last year it was at a huge price
Speaker 1: because I was doing it very last minute and I
Speaker 1: had a few little claims on my car. So I
Speaker 1: was paying two hundred and fifty five pounds a month
Speaker 1: but some high risk insurance and I've got it down
Speaker 1: to sixty two pound a month for next year. So
Speaker 1: I'm I'm planning to put that money into savings and
Speaker 1: I'd love to pay for my curuntry once for the
Speaker 1: whole year. That's my goal next year the following time,
Speaker 1: and it allows me to put a bit of money
Speaker 1: into savings because I've recently gone down to part time
Speaker 1: for better work life balance and studies. That is amazing, Aren,
Speaker 1: I am so proud of you. A your voice is
Speaker 1: so soothing, like please please leave more bills of the
Speaker 1: week please, um sa hint. That is a big jump
Speaker 1: and you will definitely be able to pay for that
Speaker 1: next year, like if you're saving the difference, then you'll
Speaker 1: have no problem. And uh yeah, we're so proud of you, Taren.
Speaker 1: Thanks for thanks for calling in. Thanks so much, Taren
Speaker 1: for calling in. If you all listening want to submit
Speaker 1: your bill of the week, visit Frugal Friends podcast dot
Speaker 1: com slash bill leave us your bill. We love them.
Speaker 1: We just love them. We're never getting rid of them.
Speaker 1: And actually Bill of the weeks are part of the
Speaker 1: summit as well. We asked all of our speakers for
Speaker 1: their bill of the week. So you've got twenty more
Speaker 1: bills of the week coming at you next week, and
Speaker 1: only one of them is Bill Curtis. So I'll just
Speaker 1: preface that, I'll let you guess. Gen's a little just
Speaker 1: one that one in and we'll move on. And now
Speaker 1: it's time for right round. So this is a question
Speaker 1: from Goldie, our podcast manager. She asks would you rather
Speaker 1: earn lots of money doing a job you hate or
Speaker 1: not earn much doing a job you love? And I
Speaker 1: would I was going to replace it with our summit question,
Speaker 1: but it's at the end of our session, so I
Speaker 1: don't want to like give any spoilers, so you'll just
Speaker 1: have We also have a question that we ask every
Speaker 1: speaker the same question at the very end, so you'll
Speaker 1: have to tune in to see what the question is.
Speaker 1: But this is a fun one and it's just a
Speaker 1: good grab bag. Yeah, well, what do you think? What's
Speaker 1: your answer? Um? I think I would rather not earn
Speaker 1: much money doing my job I love, because that's what
Speaker 1: my life is. I was gonna podcast, Um, and I'm
Speaker 1: a social worker, so I think, like what I have
Speaker 1: chosen with my life proves this out. I couldn't say
Speaker 1: the other thing because it's not been in the cards
Speaker 1: for me. Yeah. Um, I would love to earn a
Speaker 1: lot of money doing something I love, and I think
Speaker 1: that's totally possible, And we actually talked about that. On
Speaker 1: day four. Janie Torres Rodriguez from Yokiro de Niro talks
Speaker 1: about creating a side hustle in your margin, and then
Speaker 1: Taylor Covar from The Money Couple talks about transitioning to
Speaker 1: full time work that you love. So we've got Janie
Speaker 1: with the how to start it in your margin and
Speaker 1: Taylor with the how do we move it into full time?
Speaker 1: How do we go from a job that makes us
Speaker 1: money into doing a job we love that may not
Speaker 1: make a lot of money. So we've got that on
Speaker 1: day four, um, and so I think that's going to
Speaker 1: be a really good day, because what is the point
Speaker 1: of controlling your spending and following a budget if you're
Speaker 1: just going to you make a lot of money for
Speaker 1: no reason, Like, there is no point to retiring early,
Speaker 1: because there's nothing like unless you know what you're retiring
Speaker 1: early four, which is typically going to be to contribute
Speaker 1: in some other way. And maybe that is doing something
Speaker 1: that doesn't make you a lot of money, but it's
Speaker 1: still less retiring more transitioning to work that you love.
Speaker 1: And so that is really the point of frugality is
Speaker 1: to be able to afford a life you love, and
Speaker 1: that is that's a lot about what we talk about
Speaker 1: in our session in the summit, is the point of
Speaker 1: controlling your spending and how to find your why behind it,
Speaker 1: so you're motivated to keep going. And yeah, like that's
Speaker 1: the reason we're frugal is so that we can do
Speaker 1: jobs that don't make a lot. Yeah, I think, what
Speaker 1: what came first, the chicken or the egg? But yeah,
Speaker 1: the one necessitates the other. But yet we are seeing
Speaker 1: great strides in our finances as a result of frugality too.
Speaker 1: And the motivation and perspective I think similar to what
Speaker 1: we're what we what you and I just got to
Speaker 1: experience with the summit, and what people are about to
Speaker 1: experience alongside of us as they listen to these interviews
Speaker 1: is the different perspectives and what works for other people
Speaker 1: and the motivation that can come with that. I think
Speaker 1: we can't just do it on our own or with
Speaker 1: one or two other people. That it's a whole community
Speaker 1: that's going to help us find the things that are
Speaker 1: going to work for us, find people who are similar
Speaker 1: to us or different from us, and are going to
Speaker 1: challenge us in new ways. So I think because of
Speaker 1: that we can do better and better. You don't have
Speaker 1: to stay stuck if you don't want to be in
Speaker 1: the job that you're in, or you want to be
Speaker 1: in the job you're in, but you do want to
Speaker 1: earn more money or have more freedom and flexibility. So yeah,
Speaker 1: it's an amazing thing to learn from others and I'm
Speaker 1: excited to share that with people. Yeah, so again, had
Speaker 1: to Frugal Living Summit dot com and get your free ticket.
Speaker 1: Check out the Spending Mastery bundle after you register. The
Speaker 1: price of that does go up when the first sessions drop,
Speaker 1: so that is definitely something to check out. And thanks
Speaker 1: for listening to this episode. Um, we are going to
Speaker 1: share one more comment that one of our listeners made
Speaker 1: about one event. Breathe said, Hey, y'all, just wanted to
Speaker 1: share my biggest takeaway from the summit so far. Pretty Much,
Speaker 1: it all comes down to your mindset of what frugal means,
Speaker 1: and there's a clear difference between cheap and frugal living.
Speaker 1: A frugal life doesn't have to be boring in order
Speaker 1: to achieve your dreams, and I'm so thankful to have
Speaker 1: joined the summit to learn this. Also, best resource for
Speaker 1: the All Access Pass is the Debt Snowball Calculator. Game
Speaker 1: changer for anyone, especially those who want to retire early
Speaker 1: or have a solid debt free date. Oh, thank you
Speaker 1: so much, Brat. I'm so thrilled you enjoyed last year's
Speaker 1: and we've got so many more resources coming at you
Speaker 1: this year too. Oh my gosh. Yes, we have a
Speaker 1: how much can I afford to invest? Spreadsheet, and we
Speaker 1: have budgeting spreadsheets, and we have all kinds of debt
Speaker 1: payoff resources. So are all access pass which is the
Speaker 1: Spending Mastery bundle is legit. And yeah, we hope to
Speaker 1: teach you a lot about what frugality can be and
Speaker 1: how it can work for you. So thanks for listening again.
Speaker 1: Frugal Living Summit dot com to get your free ticket,
Speaker 1: your free goodie bag which has the game that will
Speaker 1: allow you to win prizes every day of the summit,
Speaker 1: and uh yeah, we will see you guys on Monday. Bye.
Speaker 1: Frugal Friends is produced by Eric Sirianni Jill. Tell me
Speaker 1: what will you be drinking at our happy hours each
Speaker 1: night of the summit, every night, every night for four
Speaker 1: happy hours? For sure? Water. It's like the only thing
Speaker 1: I can guarantee you I'm going to drink every night
Speaker 1: is water. Sure. I'm not saying that there won't be
Speaker 1: something else also, but I for sure, No, I'll drink
Speaker 1: water every night. But you made up you made up
Speaker 1: drinks like themed drinks for the summit. Oh yes, I did. Okay,
Speaker 1: so I'm gonna be drinking those themed drinks. Tell us
Speaker 1: the links drinks. Think about it. You're gonna have to
Speaker 1: You're gonna have to come to the summit. But I'll
Speaker 1: give you a little I'll give you a little sneak
Speaker 1: peek at what we did for our that this might
Speaker 1: not be the same thing, but for our party, for
Speaker 1: our four year Frugal Friends anniversary party, one of my
Speaker 1: favorite drinks that we had was called the Arak because
Speaker 1: Arak that's what we say when we have tech tech
Speaker 1: difficulties and usually Eric's home and I can just call
Speaker 1: for him and be like, solve this issue with my
Speaker 1: mic or my computer anything him to come through the Yeah.
Speaker 1: Um so anyhow, we've named a drink after that, like
Speaker 1: we spelled it a I R R I see K. Really,
Speaker 1: his name is spelled E R I C. But you
Speaker 1: know when we pronounce it that way. And I think
Speaker 1: it was just like vodka and club and some lemon,
Speaker 1: because they enjoys eating drinking that not eating that. I
Speaker 1: might I might be drinking the gen and Tonic, maybe
Speaker 1: a good one too. Yeah, and you'll just have to
Speaker 1: come to the Happy Hour to see what chills drink
Speaker 1: is water would