Speaker 1: Episode Frugal Living Hacks with Lisa Rowen. Welcome to the
Speaker 1: Frugal Friends podcast, where you'll learn to save money, embrace simplicity, rights,
Speaker 1: and liver with your life. Here your host Jen and Jill.
Speaker 1: Welcome to the Frugal Friends podcast. My name is Jen,
Speaker 1: my name is Jill, and I am super excited. I
Speaker 1: say that every week every time we have a guest,
Speaker 1: but especially excited to have this particular guest with us.
Speaker 1: And we're doing a frugal Living Hacks episode, which is
Speaker 1: something that we've never done before, and every other personal
Speaker 1: finance podcast has one, so why not us? Yeah, it
Speaker 1: just makes sense, That's what I say. If everybody else
Speaker 1: is doing it, we should do it too. Yeah, it's
Speaker 1: our motto. Yeah, so let's get into our sponsors and
Speaker 1: then let me just like do that that little two
Speaker 1: dot emoji like everywhere. Okay, it works. I'm gonna show
Speaker 1: you how to do that in words. First, we have
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Speaker 1: taco bell. You know how to spell that one? It's
Speaker 1: all one word. Get ten dollars off the regular price. Yes, please,
Speaker 1: just just do it to use the code. And this
Speaker 1: episode is also brought to you by real friends. They exist.
Speaker 1: You might have forgotten what it's like to not have
Speaker 1: just virtual friends, but real friends do exist. They're the
Speaker 1: ones that help you move, bring you dinner when you
Speaker 1: have a baby, and go to the beach with you
Speaker 1: and drink marks. Real life friends go get you some
Speaker 1: so real. It's September and it is. There are some
Speaker 1: friends that I have that I haven't seen in a
Speaker 1: very long time. You're a real friend to me. You
Speaker 1: are a real friend to me too. I see you. Yeah,
Speaker 1: and it sounds likely, says a real to she is.
Speaker 1: Lisa is a dear friend of mine and a powerhouse
Speaker 1: personal finance writer. She is my former co worker and
Speaker 1: mentor at The Penny Horder. She was the reporter for
Speaker 1: Life Hackers to since column, and she's now a banking
Speaker 1: and personal finance writer for Forbes. But arguably her best
Speaker 1: work was as the editor of my best selling book,
Speaker 1: Spend Challenge Guide Plug. The book is literally dedicated to
Speaker 1: her and Travis, but also her and she has her
Speaker 1: first book called Money Hacks and it comes out September.
Speaker 1: Has over two d seventy five ways to decrease your spending,
Speaker 1: increase your savings, and make your money work for you.
Speaker 1: And it is the inspiration for this Frugal Living Hacks episode.
Speaker 1: And she's just fun. I just love spend time with her.
Speaker 1: And I know you guys, will you? So let's get
Speaker 1: into this interview. Let's do it. What A what A?
Speaker 1: What a alley Oop? There's your sports reference? How are you? Lisa?
Speaker 1: Welcome to the show. Thank you so much for having me.
Speaker 1: Longtime listener, first time guest. Oh my gosh, so happy
Speaker 1: to be here. And I remember when we were first
Speaker 1: starting the show and my desk was right across from you,
Speaker 1: and I stood up and I was like, we need
Speaker 1: a bill of the week. Nobody listens to our show,
Speaker 1: and you were there for us. Now look at us.
Speaker 1: I really appreciate feeling needed and that my work is
Speaker 1: valued by my peer group. And when someone tells me
Speaker 1: they need help, I'm going I'm going to do something.
Speaker 1: It might not be the thing you wanted me to do,
Speaker 1: but I'm going to you something and it's always fantastic.
Speaker 1: I always love it. Lisa. I don't know you well,
Speaker 1: but we live in the same city now, and that's
Speaker 1: that's enough for me. That's all I need. We are
Speaker 1: just soon enough, and I'm going to teach you all
Speaker 1: the great places to get Margarita's. I'm going to start
Speaker 1: throwing rocks then in all directions. UM. I'm so excited
Speaker 1: about your book. I have flipped through it. Not gonna
Speaker 1: lie flipped through it because it's technically not even out yet. UM,
Speaker 1: but it is overwhelming. How many amazing tips you have,
Speaker 1: so I want to I want to talk to you
Speaker 1: about those. Yeah, you have forty seven tips alone for
Speaker 1: curbing mindless spending. I'm curious, what are your favorites? Oh gosh,
Speaker 1: what did I give you on that list earlier? There
Speaker 1: are over to how seventy five so we needed her
Speaker 1: to cut, you know, pare it down. Um. I was
Speaker 1: asked for cliffs notes today because it is sort of
Speaker 1: a hefty book. It's one that will weigh down your
Speaker 1: handbag when you're carrying it around, or when you're carrying
Speaker 1: around the copies of the manuscript that you've put out
Speaker 1: to edit it, uh several times. It's it seems almost
Speaker 1: like a reference, like you should have a dictionary and
Speaker 1: an encyclopedia and your Money Hacks book. It's it's it's
Speaker 1: something that I would want to reference often. Yeah, and
Speaker 1: you know, just like my dictionary and encyclopedia. Yeah. The encyclopedia, though,
Speaker 1: is way more expensive than the Money Hacks book and encyclopedia.
Speaker 1: I believe you have to sign a contract for like
Speaker 1: fifteen years to receive encyclopedia. So this is a way
Speaker 1: lower investment towards your frugal life. Um. And it is
Speaker 1: it's meant to be a quick reference, and it's one
Speaker 1: of those books that I envision a group of friends
Speaker 1: passing around all the time. Um, Hey, I got a
Speaker 1: lot of you know, good tips out of this chapter,
Speaker 1: Like you're working on paying down debt or you're working
Speaker 1: on your budget, so you know, take a look at
Speaker 1: this and then pass it on to the next person
Speaker 1: who needs it. And it's one of those you can
Speaker 1: come back to and flip through again and again and
Speaker 1: maybe pick up something new for where you are in
Speaker 1: your life. Yeah. I picked up a few things. So
Speaker 1: the first one that you said was your favorite, Um,
Speaker 1: was reconsider whether membership is worth it? Tell me about
Speaker 1: the ladies. Ladies, I feel like I am getting subscriptioned
Speaker 1: out in my entire life. I don't even know it's
Speaker 1: a subscription anymore. That's how much they've disguised them, right,
Speaker 1: especially now that during the pandemic and I'm home all
Speaker 1: the time. It's everything is a free trial and then
Speaker 1: some sort of ongoing cost, right, whether it's uh, like
Speaker 1: a streaming service, or it might be something where you
Speaker 1: get products in the mail. For example, I recently did
Speaker 1: my first order from a funny whose name I won't mention,
Speaker 1: but you can probably guess they sell like household products. Uh.
Speaker 1: And you can buy stuff regular style and pay for
Speaker 1: shipping whenever you want it. But the thing they want
Speaker 1: you to do during your free trial is gets sucked
Speaker 1: into whatever. Like the Elite status is where for like
Speaker 1: twenty bucks a month, all of your shipments come free.
Speaker 1: I don't need I don't need shipments of paper towels
Speaker 1: every month because it's just me and my cats at home.
Speaker 1: I don't need premium service for household items. And so
Speaker 1: I love that we're disrupting the way that we shop.
Speaker 1: We're disrupting the way we pay for things. We have
Speaker 1: more choices than ever before. But if you're not watching
Speaker 1: where you're spending your money, these memberships are really going
Speaker 1: to start adding up all the subscriptions, memberships, shopping services.
Speaker 1: And I will admit that this is the biggest part
Speaker 1: of my own budget. When you look at you know,
Speaker 1: when you go past the necessities, the biggest chunk is
Speaker 1: like monthly memberships. A lot of them. I love a
Speaker 1: lot of them. I don't really need. It's time to
Speaker 1: cut those out. Yeah, It's what every company is trying
Speaker 1: to get us to do because they recognize that's where
Speaker 1: the money is either by people not actually taking advantage
Speaker 1: of the membership, or they're just making boatloads of cash
Speaker 1: on these products that aren't actually that expensive. I mean
Speaker 1: there's tons of ways. But yeah, and in some ways,
Speaker 1: if we find the ones that are good for us
Speaker 1: and and we really desire and and it really impacts
Speaker 1: our life and positive ways, and fine, but to membership,
Speaker 1: every single thing is just ridiculous. Yeah, it's twenty commitment
Speaker 1: is overrated. But it's a marketing tactic that businesses are
Speaker 1: seriously using. And businesses that weren't subscription based models before
Speaker 1: are becoming subscription based because it is more lucrative. So
Speaker 1: just acknowledge that that is a marketing tactic that people
Speaker 1: are using to get more of your money. Yeah, and
Speaker 1: just because a company makes it hard to cancel doesn't
Speaker 1: mean you should stop trying. And then sometimes, like I
Speaker 1: hate the phone, sometimes you just have to call and
Speaker 1: you just have to keep using the line over and over.
Speaker 1: I would like to cancel. A lot of them are
Speaker 1: not that bad now, but you gotta stick to your
Speaker 1: guns because it's it's your budget every month. I've started
Speaker 1: to become a sleuth in like marketing tactics, and not
Speaker 1: that I'm really like an expert at all. But I
Speaker 1: think mindfulness has really helped me like to kind of
Speaker 1: press pause and be like, what what do they what
Speaker 1: do they just do to me? I just got an
Speaker 1: email today from um some website wanting my money. But
Speaker 1: essentially they were like, you're the first in line for
Speaker 1: this deal. And initially it like got me like, like
Speaker 1: the subconscious level was this, Oh, first in line. That
Speaker 1: means I've got to move quickly. That means I've got
Speaker 1: to do this thing now or I might lose my spot,
Speaker 1: you knowing. My my thought immediately goes to what's it
Speaker 1: like to be the first in line? And amusement park?
Speaker 1: What do you do with that? Obviously I did not,
Speaker 1: I didn't even click on it, but it's helped me
Speaker 1: to realize like, oh, they actually want me to feel
Speaker 1: something right now, and they're not actually going to give
Speaker 1: me a deal. Delete. Yeah good girl, Yeah claps um.
Speaker 1: I liked a few other ones in this Mindless Spending chapter. Uh,
Speaker 1: I'm partial to number two number which is essentially due
Speaker 1: and no Spend challenge and you have tips on how
Speaker 1: to prepare um and how to get through one. So
Speaker 1: that's really great. But then also hack thirty eight hit
Speaker 1: the gym. I used this one a lot to do
Speaker 1: something instead of spend money. When we were paying off debt.
Speaker 1: I did a lot of running and I also started well.
Speaker 1: I had a cross fit membership, and I kept it
Speaker 1: throughout our debt payoff up until the very end, but
Speaker 1: I didn't I didn't quit at that point because of
Speaker 1: the money, and then I got it back like nine
Speaker 1: months later. So I really love that one. And even
Speaker 1: if you're spending money on that every month, I feel
Speaker 1: like it gives you something to do at a time
Speaker 1: where you would otherwise maybe go spend money. Um, and
Speaker 1: it's just a healthier way to spend your money. Yeah,
Speaker 1: gen will remember the days when I used to go
Speaker 1: to the gym right after work when we worked in
Speaker 1: the same office, and you know, the clock would hit five,
Speaker 1: and I wanted to be in the gym because I
Speaker 1: wanted to get it done, because I wanted to go
Speaker 1: home and eat dinner. But it also gave me a
Speaker 1: routine that provided the consistency I needed to stay in
Speaker 1: the right direction. Right. If I knew exactly where I
Speaker 1: was going when work ended at the end of the day,
Speaker 1: then I knew, okay, I'm going to the gym and
Speaker 1: I'm going home. I'm not gonna deally dally stop and
Speaker 1: have a drink with a friend go to this little
Speaker 1: shop to see what they have before they close for
Speaker 1: the evening. You know, it just gives me those like
Speaker 1: lily pad to hop through my day so that I'm
Speaker 1: not letting myself sort of get distracted by other things
Speaker 1: like mindlessly scrolling and shopping when I don't need that. Plus,
Speaker 1: I mean, look, when you feel good, like how often
Speaker 1: do you feel great and you say, you know what
Speaker 1: I want to do right now? Shop online? Like, No,
Speaker 1: when you've got those endorphins rushing through your body after
Speaker 1: a trip to the gym, I mean, you probably just
Speaker 1: want to sleep immediately, but you don't necessarily feel that
Speaker 1: need to like sit down on your couch and immediately
Speaker 1: start like checking through your sale emails exactly. And the
Speaker 1: same can be said for uh, for negative routines too.
Speaker 1: If you have a routine of like leaving work and
Speaker 1: stopping to get dinner, then you can replace that bad
Speaker 1: routine with a more positive routine and just yeah, give
Speaker 1: yourself those lily pads to jump on. Don't try and
Speaker 1: take away bad things, rather replace them with better things. Yeah,
Speaker 1: and like you said, you know, the gym is not
Speaker 1: a free place unless you work out at the Like,
Speaker 1: what are the things the adult playgrounds that they have
Speaker 1: by the park, they have all the calispanic equipment, they
Speaker 1: do have those. I mean you could use those. Those
Speaker 1: are actually pretty legit here. Yeah, those are seen there
Speaker 1: next to a beach. Everyone has muscles in a tan
Speaker 1: except me. But like, you could go to one of those.
Speaker 1: But even if you're spending money on exercise, whether it's
Speaker 1: through an app, through a traditional membership at a gym,
Speaker 1: you you are sort of like multiplying your benefit, right.
Speaker 1: You have a place to go, it might have a
Speaker 1: social aspect for you. You're getting those mood boosting benefits.
Speaker 1: You're gonna be super tone. Like you know, you can
Speaker 1: spend money, but multiply the benefits of that you didn't
Speaker 1: have if you weren't exercising. That's my pitch for exercise.
Speaker 1: It doesn't matter what your goal is as long as
Speaker 1: you just like do the thing. Yeah, and then you
Speaker 1: can make real life friends at the gym. Yeah, but
Speaker 1: don't get too close to them. Right. So chapter three
Speaker 1: um is called get Debt Free, but there are actually
Speaker 1: a lot of great credit building hacks in there, and
Speaker 1: I get it, like credit is like a gauge for
Speaker 1: your debt responsibility. UM. I especially liked the one UM
Speaker 1: where like have your landlord submit your rent payment through
Speaker 1: an online service. That one's great if your landlord doesn't
Speaker 1: already do that. UM. Lisa has a few resources listed
Speaker 1: in the book. I forgot they are, but they can
Speaker 1: literally just sign up at these services online and submit
Speaker 1: your payments and that can help build your credit UM
Speaker 1: without getting a credit card, So that one was great.
Speaker 1: You know, the thing that we're seeing UM in these
Speaker 1: very recent years is that a lot of younger people
Speaker 1: are less likely to sign up for credit cards than
Speaker 1: they used to be, maybe in the nineties or the
Speaker 1: early oh when we were coming up as adults, and
Speaker 1: they still need to build credit because down the road,
Speaker 1: if you want to make a big purchase by a house, UM.
Speaker 1: You know, sometimes you get your credit checked for a job,
Speaker 1: and you want to have a good score, even if
Speaker 1: you don't want to, you know, increase your chances of
Speaker 1: getting into debt. So if you can do something like
Speaker 1: have your landlord report your rent, you're going to be
Speaker 1: trying your best to pay your rent on time every month,
Speaker 1: so you may as well get some credit for it.
Speaker 1: I will say Chapter three was the easiest one for
Speaker 1: me to write because I have had my own issues
Speaker 1: with debt in the past. I have clawed my way
Speaker 1: out of that hole. I never want to be in
Speaker 1: there again, and so I feel really motivated to tell
Speaker 1: people a lot about staying motivated to pay off debt,
Speaker 1: strategies for doing it, and also the strategies for maintaining
Speaker 1: a healthy credit over your life. Yeah, credit is something
Speaker 1: we we haven't talked about much, and I would love
Speaker 1: to do an episode on it because it is very
Speaker 1: misunderstood it. Um So, you had so many great tips
Speaker 1: in there. What was maybe your favorite tip from that chapter?
Speaker 1: One of my favorites that I didn't know a lot
Speaker 1: about before I wrote the book was that you can
Speaker 1: send what's called a good will letter to your creditors
Speaker 1: if you have had um bad behaviors in the past
Speaker 1: with your with your debt. So if you have missed payments,
Speaker 1: if you have gone over your mac's limit for a
Speaker 1: credit card, if you, um, you know, didn't pay a
Speaker 1: loan on time and you're falling behind. It doesn't work
Speaker 1: for every kind of debt uh, and your mileage is
Speaker 1: going to vary from creditor to creditor. But you can
Speaker 1: send them a letter of good old fashioned formal letter
Speaker 1: where you basically apologize and you admit that you've done
Speaker 1: things wrong in the past and you're taking action to
Speaker 1: fix it from here on out. Some of it is easy.
Speaker 1: You're gonna say, oh, you know, I lost my job
Speaker 1: for six months, I fell behind, I have stable employment,
Speaker 1: I am saving you know, here's what I'm doing to
Speaker 1: remedy the situation. Uh. But in a lot of cases,
Speaker 1: they will maybe remove uh late marks from your account,
Speaker 1: from your credit report, they may waive some late fees.
Speaker 1: There's no guarantee and it, you know, it depends on
Speaker 1: sort of what's happening with your creditor and sort of
Speaker 1: the economic landscape. But it's one of those things where
Speaker 1: it may take you an hour or two to put
Speaker 1: together a letter, edit it, send it off like actually
Speaker 1: in the mail you're probably gonna mail it, but it could,
Speaker 1: you know, weeks later, have a benefit that really, you know,
Speaker 1: gives you a return on your time. It is one
Speaker 1: of those situations that I think we often don't consider
Speaker 1: to ask. I mean, I hear that across the board,
Speaker 1: not just when it comes to debt or building good credit,
Speaker 1: but just asking. It's similar to negotiating of hey can
Speaker 1: I get a better rate? Hey can you forgive me? Hey?
Speaker 1: Can I get a raise? Whatever it is like, just
Speaker 1: ask put some put a few minutes into drafting a letter,
Speaker 1: making a phone call, doing something. I think we can
Speaker 1: think our hands are tied while they just they send
Speaker 1: me this letter or this email and I can't do
Speaker 1: anything about it. But reality is you might be able
Speaker 1: to if you if you put some time into it
Speaker 1: and ask yes. And you can find templates UM for
Speaker 1: goodwill letters on Google. Just ti, I mean search goodwill
Speaker 1: letter template UM and you can find them on there.
Speaker 1: And definitely, if you've already paid off the debt and
Speaker 1: but there's still negative dings on your credit report, UM,
Speaker 1: then definitely send a goodwill letter to however that creditor
Speaker 1: is because more than likely they will UM, they will
Speaker 1: take it off if you've already like settled the debt
Speaker 1: or paid it off. So I love that one. UM.
Speaker 1: And then also there's claim your sing money. Can you
Speaker 1: tell me about that one? Lisa? Okay, So this is
Speaker 1: one of those tips where I've written about it before,
Speaker 1: but um, I didn't understand the benefit of it until
Speaker 1: after I was working on the book. So I will
Speaker 1: tell you the tip and then I'll tell you how
Speaker 1: amazing it can be. So every state has a fund
Speaker 1: that money goes into when it goes unclaimed by the
Speaker 1: person that belongs to This could be all sorts of money.
Speaker 1: It could be your security deposit for your electric bill,
Speaker 1: for the apartment you lived in five years ago. It
Speaker 1: could be a last paced up from a job that
Speaker 1: you left and they didn't have your forwarding address. It
Speaker 1: could be in some cases in old four oh one
Speaker 1: k that's just sitting there. Maybe some stock got sold
Speaker 1: and you have old investments. And you can go on
Speaker 1: your state's directory, look up your last name, and I
Speaker 1: mean your first name would also help, but you know,
Speaker 1: start with your last name. You might look for your
Speaker 1: whole family while you're there and money from all this
Speaker 1: there are plenty of You take your pick, uh, and
Speaker 1: you can find out if there is money that is
Speaker 1: owed to you through one of these state funds. It's
Speaker 1: not just where you live now, it's where it's any
Speaker 1: of the places that you've lived in your life. So
Speaker 1: if you've moved around. You might need to check a
Speaker 1: few different states, but you could find that you get
Speaker 1: a not insignificant amount of money that just gets cut
Speaker 1: as a check that you get in the mail, as
Speaker 1: long as you prove who you are with some identification
Speaker 1: and you know some evidence that you had that job
Speaker 1: or had that old account or something like that. Um.
Speaker 1: But this was one of those things where I've never
Speaker 1: found myself in any of these systems, probably because I'm
Speaker 1: super type bay and I always hunt down everyone for
Speaker 1: my security deposit, like give me my money, I need
Speaker 1: to buy wine. So I've never benefited from this personally.
Speaker 1: But I had a friend come to town a couple
Speaker 1: of months ago after I had mentioned these unclaimed money
Speaker 1: websites for different states, and she told her parents about it,
Speaker 1: and her parents found thirty five hundred dollars that belonged
Speaker 1: to her dad from some old investments through a company
Speaker 1: that got sold to another company that got sold down
Speaker 1: the line. It was money from probably years ago that
Speaker 1: he just lost track of. It grew in whatever account,
Speaker 1: then it went into the state fund. It was just
Speaker 1: sitting there and they took it and planned a vacation
Speaker 1: with it. Had they taken that vacation. No, because things happened,
Speaker 1: but they were able to make really fun plans with
Speaker 1: the money that they found. So the reason that I
Speaker 1: put this tip in the chapter about paying off your
Speaker 1: debt is because when I like, when I find a
Speaker 1: lump sum that I get either as a gift or
Speaker 1: as a refund or maybe a class action settlement, I
Speaker 1: like to take that little pocket of money and put
Speaker 1: it towards any debt that I have, whether it's a
Speaker 1: credit card balance or I still have some student loan debt.
Speaker 1: So I like to take that that found money and
Speaker 1: put it somewhere that I feel like it's doing the
Speaker 1: most good for the long term for me. So check
Speaker 1: those state databases and see if you google missing money,
Speaker 1: it'll it'll come right up. Unclaimed money, Google your way
Speaker 1: to some funds. It's a real thing. I learned about
Speaker 1: this through my mother in law and she has she's
Speaker 1: actually gotten money that way as well, just some people
Speaker 1: who left her money in their will but they weren't
Speaker 1: able to get it to her somehow, And yeah, she
Speaker 1: had money waiting for so it's it is a real thing. Um.
Speaker 1: And like you said, Lisa, maybe not not everybody is
Speaker 1: going to find money. But it's worth spreading the message
Speaker 1: because chances are you or your parents or a friend
Speaker 1: could benefit from it. Yeah, and if you're you know,
Speaker 1: if you're looking for something to do at home that
Speaker 1: is not shopping online, you could just go and put
Speaker 1: all your friends and family members names and then these
Speaker 1: websites and to see what comes up. It's like a
Speaker 1: fun friends of hunt. You don't have to leave your house.
Speaker 1: And if you find it for a friend to be like,
Speaker 1: give me ten percent and I'll get new information. Exactly
Speaker 1: fine gifts. Nice well to Lisa speaking of making money,
Speaker 1: and we know, okay, it's good to learn how to
Speaker 1: save and actually reining in that discipline is fantastic, how
Speaker 1: to not spend, how to save, how to get out
Speaker 1: of debt. But there also comes a point where just
Speaker 1: earning more money is a part of the equation with
Speaker 1: continuing to be wise with finances and be able to
Speaker 1: continue in our debt payoff journey and reach other financial goals.
Speaker 1: What are some of your favorite tips for earning more money? Yeah,
Speaker 1: so there are I think two that I have in
Speaker 1: the chapter about earning more money that I think are
Speaker 1: some of my favorites. One is to get a mentor,
Speaker 1: and it's one of those that's a real it's a
Speaker 1: it's a soft to do. There's no immediate money that
Speaker 1: you save, our money that you make, but over the
Speaker 1: long run you're going to see some benefits. I don't
Speaker 1: know scesarily mean to get a mentor that is necessarily
Speaker 1: a financial advisor. What I'm thinking about is in your
Speaker 1: career you need someone who's going to be an advocate
Speaker 1: for you because how often have we been told that
Speaker 1: we need to negotiate more when we're getting paid for
Speaker 1: the work that we do, and um, how often have
Speaker 1: we realized that we're really bad and negotiating in favor
Speaker 1: of ourselves. Like it's easy to tell a friend you
Speaker 1: need to ask for more, but it's really hard to
Speaker 1: tell yourself, oh, I am worth more. So, if you
Speaker 1: can find a mentor in your industry, whatever it is,
Speaker 1: who is willing to sort of coach you through career
Speaker 1: transitions as you go, it can help you when you
Speaker 1: are considering a new job offer, if you're considering taking
Speaker 1: a different job in a similar field, if you're trying
Speaker 1: to learn new skills that can earn you a higher salary.
Speaker 1: Having someone to use as a sounding board throughout your
Speaker 1: work life is so valuable just to be able to
Speaker 1: have a person who's in your core. You know, you
Speaker 1: don't need to have all of the answers, but simply
Speaker 1: by being able to speak with someone who really cares
Speaker 1: about you and about your success, about the challenges you're
Speaker 1: coming up against and how you can overcome them and
Speaker 1: succeed with the long haul is is really valuable and
Speaker 1: something that I found a lot of success with. Yeah,
Speaker 1: mentors are the direct like the success I've had in
Speaker 1: my career and my like finance writing career has been
Speaker 1: a direct correlation from like how many mentors that I've had,
Speaker 1: like in a given time, Like the more people I
Speaker 1: have UM that I am like in contact with and
Speaker 1: not like networking, but like in relationship with, the more
Speaker 1: successful I am. So it's it's, yeah, one of those
Speaker 1: soft um hacks that you can't really define like how
Speaker 1: lucrative or how much it will benefit you monetarily, um,
Speaker 1: but it is definitely essential to getting a head faster. Yeah,
Speaker 1: And like Joe was saying, you don't know what you're
Speaker 1: going to get until you ask, Like there's always something
Speaker 1: that you can can ask for and not feel skeasy
Speaker 1: because you're mooching off someone. But it's about, you know,
Speaker 1: reaching out to people from past companies that you worked
Speaker 1: with and staying in touch with people. It's about making
Speaker 1: the ask to say to someone, Hey, I have some
Speaker 1: questions you know at this point in my career. Can
Speaker 1: I run them by you for a half hour. Don't
Speaker 1: ask anyone if you can pick your brain just like
Speaker 1: pick different language to ask that you say that. It's
Speaker 1: not about brain picking. It's about forming, Like gents, at
Speaker 1: a relationship where you're going to have you know, you're
Speaker 1: gonna have some back and forth. You're gonna, you know,
Speaker 1: be able to just chat with that person. You may
Speaker 1: not always know what you need at that point. Just
Speaker 1: by having someone who's an advocate for you, it's it's
Speaker 1: going to benefit you and your earning potential. Nice. What
Speaker 1: was your second tip? H Speaking of earning potentials, so,
Speaker 1: I have a favorite tip specifically about side hustles. And
Speaker 1: I am a person who has I overside hustled my
Speaker 1: way through my twenties. I have always had two or
Speaker 1: three jobs at a time, if not more. I've always
Speaker 1: worked nights, weekends. It's um, it's not that I like
Speaker 1: working that much. I just like making money and feeling stable.
Speaker 1: But as i'm you know, I'm now in my mid
Speaker 1: thirties and I don't exactly have the energy that I
Speaker 1: used to, And I'm learning that you can survive just
Speaker 1: about anything if you only know you need to do
Speaker 1: it for a season. So if you're someone who maybe
Speaker 1: hasn't had a side hustle for a long time, maybe
Speaker 1: you're just used to, you know, having your day job
Speaker 1: and your usual responsibilities at home, try a side hustle
Speaker 1: for a season. You know that you're going to be
Speaker 1: really crazy busy for that maybe like six to twelve weeks,
Speaker 1: but then after that busy period, you're done. And I
Speaker 1: think by having that mindset that this is just temporary,
Speaker 1: you can bust. You're about to get through it. You're
Speaker 1: gonna be tired, but you know there's an end in sight.
Speaker 1: Instead of knowing that maybe you have to, you know,
Speaker 1: go work at Chicos every night after work indefinitely, like
Speaker 1: I did when I was twenty two. You know, I
Speaker 1: didn't see the light at the end of the tunnel,
Speaker 1: so I quit Chicos. Um. So if it's if this
Speaker 1: actually really helps, if you have a skill or a
Speaker 1: talent that fits a season. Um. There's someone that I
Speaker 1: followed that, Jen and Joel. I think you know who
Speaker 1: makes pies at the holidays and sells guys um specifically,
Speaker 1: and people know every year that the pies are coming, right,
Speaker 1: so they get in their orders and you know, they
Speaker 1: get ready for their baked goods. If you're someone who
Speaker 1: likes to do yard work, UM, but you know doesn't
Speaker 1: want to do it all the time, maybe you can
Speaker 1: write leaves in the fall and that's your thing where
Speaker 1: your neighbors know that you want to spend that time outside,
Speaker 1: or you want to do something maybe with a teen
Speaker 1: or just get your team out of the house first
Speaker 1: deason tell them to come to the side house. But
Speaker 1: just by focusing on one season at a time and
Speaker 1: just doing something for a short period of time, you
Speaker 1: can get a quick influx of cash and then make
Speaker 1: decisions for how you're going to use that for the
Speaker 1: rest of the year, and you can plan based on that.
Speaker 1: Such a good reminder that we don't have to do
Speaker 1: anything for forever, So doing something for a time and
Speaker 1: that really does just that perspective helps us to get
Speaker 1: get through something or or even make the most of
Speaker 1: something if you're not having this mindset of I've got
Speaker 1: to do this thing for the long haul. Yeah, Like,
Speaker 1: I know nurses will do there's flu shots, um, like
Speaker 1: pop ups during flu season, um, and nurses will do
Speaker 1: that as a side hustle, just because it's exhausting to
Speaker 1: do more nursing uh as a side hustle. So yeah,
Speaker 1: there's always There's a lot of times there's something in
Speaker 1: your industry that you can do seasonally. And if you're
Speaker 1: doing something in your industry or with your unique skill set,
Speaker 1: that's also often more lucrative than like delivering groceries or
Speaker 1: driving uper right, use the skills you already have and
Speaker 1: maximize the income you're able to make in that limited
Speaker 1: amount of time. Mm hmm. How about the last chapter,
Speaker 1: planning for the future. What do you have for us
Speaker 1: for that? Oh my god, what did I tell you
Speaker 1: I have for that one? It's all a blur. Um, Well,
Speaker 1: you told me you liked save for graduate school. I
Speaker 1: feel like that's personal. That's no, it's not, it's not
Speaker 1: even and wait until I tell you I mean it
Speaker 1: is important save for graduate school if you intend to
Speaker 1: go to graduate school. I am sixty six hundred dollars
Speaker 1: away from being graduate school deaf free. That isn't even
Speaker 1: that isn't even my bill of the week. But no,
Speaker 1: my tip about saving for grad school is actually about
Speaker 1: five nine plans. So I didn't know until I was
Speaker 1: writing this book that you can start a five nine
Speaker 1: plan for yourself yep. Or you can start one and
Speaker 1: you know, not have a beneficiary named, and then decide
Speaker 1: that it's going to be for you. So you can
Speaker 1: get some tax benefits by having a five plan to
Speaker 1: save a way for tuition. And it doesn't necessarily have
Speaker 1: to be for a formal graduate program. If there's a
Speaker 1: job training program that you're eligible for, if you want
Speaker 1: to go back for a certification. Any legitimate education expense
Speaker 1: can be covered by a five nine. So if you
Speaker 1: anticipate that you or anyone in your family may be
Speaker 1: going back to school to get some additional education of
Speaker 1: whatever kind in the near future and the next you know,
Speaker 1: five t fifteen years, it's worth putting aside that money
Speaker 1: in a five twenty nine that you like to be
Speaker 1: able to have that to draw from later um with
Speaker 1: some you know, smart savings nohow m hm. And another
Speaker 1: tip for five twenty nine is that you don't have
Speaker 1: to invest in the five twenty nine in your state.
Speaker 1: So like we here in Florida actually have a prepaid program,
Speaker 1: which in theory should be a horrible investment, but if
Speaker 1: you did that twenty years ago, you'd be like bank
Speaker 1: but where it's so if you want to invest in
Speaker 1: a five twenty nine, like we invest in Utah's nine
Speaker 1: because it's I mean it's Florida doesn't have one. Um
Speaker 1: New York also has a really great five twenty nine plan,
Speaker 1: so you don't you're not restricted by the state you
Speaker 1: live in for five nine. And so we didn't choose
Speaker 1: the Utah one, even though it's a great one after
Speaker 1: I did my research. But we have one. We have
Speaker 1: a five nine through College Backer, and so College Backer
Speaker 1: chose um Utah's plan. So that's how we do. Because interface,
Speaker 1: the way that you invest in the five twenty nine
Speaker 1: is also really important because if you choose one that's
Speaker 1: got a really confusing interface, it makes it hard to invest,
Speaker 1: it makes it hard for family and friends to to
Speaker 1: give to. So College Backer has a really user friendly
Speaker 1: interface and uh and yeah, and you can use it
Speaker 1: like I'm investing for Kai's college. But if I wanted
Speaker 1: to use it, I can just switch myself to the beneficiary.
Speaker 1: And if Kai doesn't want to use it, I can
Speaker 1: just switch it to his kids are if I have
Speaker 1: any other kids. It's very versatile. Yeah, yeah, I'm definitely.
Speaker 1: I am a person who's the thinking ahead for what
Speaker 1: it's going to cost when my small nephews go to college,
Speaker 1: and uh, you gotta you gotta stay early and often
Speaker 1: for those youngsters. What a good and oh I mean, look,
Speaker 1: it's all gonna it's all going to come back around
Speaker 1: to me because when I'm older, going to take care
Speaker 1: of me. So clearly my sister. My sister has four kids.
Speaker 1: I'm like asking my husband which one should we invest
Speaker 1: in most that we think will care for us up. Yeah,
Speaker 1: when we let you get all sugared up, when you
Speaker 1: come over to our house like that, we do that all.
Speaker 1: We do that because we're planning. We're expecting that to
Speaker 1: pay off. Oh my gosh. Do you know what else
Speaker 1: is the best payoff? Ever? Oh? I think I know
Speaker 1: it pays dividends. Dividends on dividends. It's them, that's right.
Speaker 1: It's time for the best minute of your entire week.
Speaker 1: Maybe a baby was born and his name is William.
Speaker 1: Maybe you paid off your mortgage, maybe your car died,
Speaker 1: and you're happy to not have to pay that bill anymore.
Speaker 1: That bills Bufalo bills, Bill Clinton. This is the bill
Speaker 1: of the week, Lisa girl. You know what time in
Speaker 1: the week it is. You are no stranger. Every week
Speaker 1: we ask our listeners or our guests to give us
Speaker 1: their favorite bill. And you knew you were walking into
Speaker 1: Let us have it. My bill of the week is
Speaker 1: a bill that is like snapping back, like a rubber band,
Speaker 1: but in the best way. Hear me out on this
Speaker 1: snap backs, snap backs. In the before time times, my
Speaker 1: mother and I booked a cruise to Alaska, and we
Speaker 1: were very excited about this trip. And we've never been
Speaker 1: on a cruise either of us. My mom has been
Speaker 1: like zero places, and we're so excited. And then, as
Speaker 1: as one does, they canceled their pandemic air cruise. So
Speaker 1: we had booked all of this through a travel agency
Speaker 1: and we were going with a group through my mom's church,
Speaker 1: and we made our payments on the schedule. We were like,
Speaker 1: you know, like every time we made a payment, we're like, yeah,
Speaker 1: like we're almost done paying off this trip. Then it
Speaker 1: all got canceled, and the travel agency make sure that
Speaker 1: we get our money back, either the money we paid
Speaker 1: to them or that we paid directly to the cruise
Speaker 1: line for excursions, etcetera. We think all the money's back
Speaker 1: until we realized there's missing and we're like, what is
Speaker 1: that money from? Like, what what's that extra? Turns out
Speaker 1: it's for the non refunded plane tickets that the travel
Speaker 1: agency booked for us. And I hear the word nonrefundable
Speaker 1: plus pandemic, and I say, give me a minute, because
Speaker 1: the travel agency is like, sorry, they're nonrefundable, Like we
Speaker 1: can't you know, there's nothing we can do for you.
Speaker 1: And I'm like, I'm about to chit chat the airline,
Speaker 1: wouldn't you know. Through the power of not talking to
Speaker 1: a single person, I got to do this all online.
Speaker 1: I got to put in this request without giving them
Speaker 1: any details about why our flights had been canceled on
Speaker 1: our behalf by the travel agency. They agreed to refund
Speaker 1: our dollars. So I'm getting the bill back and it's
Speaker 1: going back into the travel savingspot that we made of
Speaker 1: all of our refunds. We're not going to get much
Speaker 1: interest on that money because you know, but and when
Speaker 1: the time comes to book this trip, we can pay
Speaker 1: it all in one lump sum because we were able
Speaker 1: to get all that money back. So the thirteen hundred
Speaker 1: dollars that I was just like, I was just dreading
Speaker 1: having this credit on an airline that I didn't know
Speaker 1: if we were going to fly again. That like, but like,
Speaker 1: what are you gonna do? Just by asking, like you
Speaker 1: said earlier, you got that some people wouldn't accept their
Speaker 1: lot in life and say, well that's the policy, not
Speaker 1: for us, for bol friends, No, no push back. I'm
Speaker 1: here to tell you to say, no, thank you. What
Speaker 1: else can you do? Snap? Or you better make this
Speaker 1: right because I'm big time. As I'm punching in my
Speaker 1: ticket number on the refund thing, I'm like, I hope
Speaker 1: they you give me my money. But it works powerful,
Speaker 1: I am. You don't know me passionate I am? But
Speaker 1: I used Twitter. Don't mess with me airline. Yes. When
Speaker 1: we had our friend Danielle to see her on and uh,
Speaker 1: she was talking about how if you have booked travel
Speaker 1: and it has been canceled, it spoil your options and
Speaker 1: you don't know if you don't ask, keep asking. If
Speaker 1: you want to submit your bill of the week, if
Speaker 1: it has to do with getting all your money back,
Speaker 1: or just you know, oh my gosh, if you got
Speaker 1: any money, let us know. Yes, visit for Girlfriends podcast
Speaker 1: dot com slash bill, leave us a bill, we'll listen
Speaker 1: to it, we'll talk about it. It'll be our bill
Speaker 1: of a week. Yeah, and now it's time for I
Speaker 1: wasn't even there for that one. I was just we
Speaker 1: weren't even there. Oh yeah, you were someplace else. You
Speaker 1: were hanging out with Thunder. The thunder Be the Thunder.
Speaker 1: That's the Tampa Bay Lightning's fan theme. Actually it's yeah
Speaker 1: to be the Thunder. So that's what I was doing
Speaker 1: for to day's Lightning Round. We're talking about areas where
Speaker 1: we are currently cutting back on spending and how Lisa,
Speaker 1: you are honored guest, and we would love for you
Speaker 1: to go first, y'all. Y'all in these trying economic times,
Speaker 1: the place I'm trying to cut back is perishable food waste.
Speaker 1: I really hate when I don't get to the fresh
Speaker 1: food before it goes bad. And so during these times
Speaker 1: when I'm spending more time at home and spending more
Speaker 1: time looking at the inside of my fridge. I'm trying
Speaker 1: to find ways to maximize the use of the produce
Speaker 1: I bring into the house and any other fresh foods.
Speaker 1: So I am technically a house of one, and so
Speaker 1: I have found in the past that it's hard to
Speaker 1: go grocery shopping once a week and always have the
Speaker 1: food last and stay fresh. You have the lattice, wilts
Speaker 1: or something starts to grow, mold or other things that
Speaker 1: fruits and vegetables do that is not conducive to me
Speaker 1: eating them and enjoying them. So during um the you know,
Speaker 1: we're not really in quarantine anymore, but like mentally, I'm
Speaker 1: still in quarantine. So I've been trying to make um
Speaker 1: one one pot meal every week where I see how
Speaker 1: I can maximize the ingredients that already have in my fridge.
Speaker 1: I am making sure that I have salad ingredients that
Speaker 1: I like and can get through quickly. Like I may
Speaker 1: spend a little more for some of my ingredients sometimes
Speaker 1: to get them in a smaller package, but I know
Speaker 1: they're not going to go bad by the time I
Speaker 1: get to the end of the week. So that is
Speaker 1: something where I am probably going to be on this
Speaker 1: quest for my entire life. I still have feelings of
Speaker 1: guilt when I see a wilted piece of lettuce in
Speaker 1: my fridge, But you know, we are not perfect. It
Speaker 1: is always a journey. And Um, please come over to
Speaker 1: my house and make a salad. Jill makes great salads.
Speaker 1: Be there. Oh really, you're welcome. All I do is
Speaker 1: like usually cut up cucumber on lattics. But um gen
Speaker 1: z easy to please and I love her for that.
Speaker 1: I love UM. So I have Actually I am trying
Speaker 1: to cut back on fast food. It has been a
Speaker 1: bad habit I've picked out picked up since giving birth.
Speaker 1: UM drive throughs were kind of like when I would
Speaker 1: when Kai was an infant and the only place he
Speaker 1: would sleep is the car seat. I would drive around
Speaker 1: and I would find myself and drive throughs because he's
Speaker 1: asleep and I can't get out of the car. So
Speaker 1: it's this bad habit UM that I picked up last
Speaker 1: year and it's kind of carried over into this year.
Speaker 1: So I would really like to as much as I
Speaker 1: love talk about I'd love to eat less of it
Speaker 1: UM and other fast food restaurants. I was never a
Speaker 1: big fast food person, like it was really, it's really
Speaker 1: just in the past year. Um, so it's I mean,
Speaker 1: it's embarrassing, but I'm I want to like put it
Speaker 1: out there. We're all here, we're all here for you.
Speaker 1: You're fine until you started eating meat again and then
Speaker 1: it got out of control. Okay, So yeah, I was
Speaker 1: a vegetarian for ten years, so I didn't have a
Speaker 1: lot of fast food options, so it wasn't like whatever,
Speaker 1: still ate French tries all the time. Don't let her
Speaker 1: fool you, that's true. I don't even get the French
Speaker 1: tries now. Really, it's like the burgers and the burritos. Yeah,
Speaker 1: but look, you got it. You gotta put it out there.
Speaker 1: You've got to tell people about your goal, the thing
Speaker 1: you're working on. And if you cut back on how
Speaker 1: often you get fast food, then you're gonna appreciate it more.
Speaker 1: When you do, I appreciate it more. I just preached
Speaker 1: hard to the choir right now. Like jet I'm pretty
Speaker 1: sure you wrote that book. Lisa is also pointing at
Speaker 1: us with a nail file. I don't know when that
Speaker 1: came into the picture and what you were doing while
Speaker 1: we're podcasting that I appreciate. It shouldn't be filing my
Speaker 1: nails while I'm on a microphone. But it is that's
Speaker 1: a habit I've picked up that costs nothing except my dignity.
Speaker 1: Oh well, save us. Similar to you both, mine is
Speaker 1: food related. Gosh, we we do, we gotta, we gotta
Speaker 1: rein this in And if anybody has been listening to
Speaker 1: this podcast for any amount of time, you know that I,
Speaker 1: Jill have just a saga worth of a journey like
Speaker 1: you could write a book about, like my approach to
Speaker 1: food currently though, and I'm very excited about it. So
Speaker 1: here's what's happening. I am seeking to cut back on
Speaker 1: my take out, so I'm not really like I don't
Speaker 1: spend typically a ton of money on fast food, but
Speaker 1: I do with take out, and especially with COVID. It's
Speaker 1: been my guilty pleasure, not even that guilty. I've been
Speaker 1: actually making it seem quite um heroic if you will,
Speaker 1: to be supporting local business through this pandemic where small
Speaker 1: businesses are suffering. So uh yeah, and then I reaped
Speaker 1: the benefits of food. Anyhow, we are now fully moved
Speaker 1: into our home and I have no more excuses. But
Speaker 1: we did buy a grill, and so here's what I'm
Speaker 1: realizing I can cut back on my buying of takeout
Speaker 1: if I can also enjoy the experience of eating and cooking.
Speaker 1: And so grilling is like the best hack ever. And
Speaker 1: I'm pretty sure we're going to do it every night.
Speaker 1: Check back in. But we just had a fantastic meal
Speaker 1: over my lunch break. I started marinating chicken and then
Speaker 1: I just diced up some sweet potatoes and Brussels sprouts
Speaker 1: and it all went on the girl and it all
Speaker 1: tasted fantastic, and I was like, all of that was
Speaker 1: ten dollars and it's gonna be about three more meals.
Speaker 1: N Yeah. For me is yes, making an experience and
Speaker 1: something fun, something that I actually look forward to, Like
Speaker 1: I think grilling is fun. Hopefully the novelty doesn't wear off.
Speaker 1: I think it will. You can grill all year round
Speaker 1: down here, you're gonna be living it up. Get the spatch,
Speaker 1: look at the apron, get the hot tub, get that
Speaker 1: what's that other thing in your house? We're coming over
Speaker 1: for salad, the buyou kayaking. We are some ladies. We
Speaker 1: are coming over. Yeah, we're all in St. Petersburg right now,
Speaker 1: but none of us are together. You would have assumed
Speaker 1: that Jill and I would record together when we started
Speaker 1: living fifteen minutes away from each other, but we have
Speaker 1: not yet done that. You'll get so we'll get there.
Speaker 1: I do love you. You are a real friend, real life.
Speaker 1: But I have an like I have a toddler and
Speaker 1: and he's sleeping and my husband's at work, so I
Speaker 1: can't leave the house. Real friends can say, you stay
Speaker 1: in your home and I'll stay in mine, you know,
Speaker 1: like you can do that. That's so true. And but
Speaker 1: eventually we should see each other in person. And I've
Speaker 1: only been here for a week and a half so far,
Speaker 1: so you don't have to feel too bad. Yeah, Lisa,
Speaker 1: tell everyone where they can find your new book, Money Hacks.
Speaker 1: Money Hacks comes out September. You can find it wherever
Speaker 1: books are sold. If you can't remember anything but my name,
Speaker 1: you can go to Lisa Rowan dot com and there
Speaker 1: is a link to where you can buy it online. Um,
Speaker 1: it's it's gonna be everywhere. It's already available for preorder
Speaker 1: on Amazon. You can order it right now. My both
Speaker 1: of my parents have and parents also have, and I'm like,
Speaker 1: several of you live in the same place. You don't
Speaker 1: need multiple copies of the books. But thank you when
Speaker 1: step payoff right talk about ended families right, So yeah,
Speaker 1: you can find it UM for period or out or
Speaker 1: wherever books are sold after September twenty two. Awesome, Lisa,
Speaker 1: thanks so much for coming on the show and sharing
Speaker 1: these hacks. I know we only went over a few
Speaker 1: of them, but literally, this book is jam packed with
Speaker 1: good hacks and it's way better than a blog post.
Speaker 1: It's just real good stuff. So uh, definitely get your
Speaker 1: hands on a copy and reap the benefits and tell
Speaker 1: us about it in the Frugal Friends community on Facebook. Thanks.
Speaker 1: Thanks guys, so good. That was just a fun episode
Speaker 1: and so I hope you got something out of it,
Speaker 1: but really that was for us friends on Friends on
Speaker 1: friends is what you get on UM. But honestly, some
Speaker 1: really kind of hidden in the weeds type tip. I
Speaker 1: think we definitely hit on some things that you typically
Speaker 1: don't hear about, like finding unclaimed money. With almost three
Speaker 1: hundred tips in the book, there are going to be
Speaker 1: things you haven't heard of, or maybe you have but
Speaker 1: you've forgotten and you haven't tried. So it's definitely worth
Speaker 1: going through and making a list of some things you
Speaker 1: want to do and then yeah, passing it on as
Speaker 1: a Christmas gift to someone. It's it's just a really
Speaker 1: great book with a lot of great stuff. And Lisa
Speaker 1: knows what she's talking about. I mean, like I said before,
Speaker 1: she was my mentor at the Penny Horder. She continues
Speaker 1: to be my mentor and uh, just a really great friend.
Speaker 1: So I'm super proud of her for getting this book
Speaker 1: deal and writing this amazing book and gosh Min's whatever
Speaker 1: platform I can to elevate it. It's great. And we're
Speaker 1: so grateful for real friends like you Jen, like Lisa,
Speaker 1: and like our frugal friends, and we're so thankful for
Speaker 1: all of you who are listening. And we also want
Speaker 1: to thank you for your kind reviews that you leave
Speaker 1: us on iTunes and Stitcher, like this one for example
Speaker 1: from Cat McCoy thirty four five stars titled Real Tips
Speaker 1: from Real Friends was all random? Is a random? It
Speaker 1: is all tied in. Cat McCoy thirty four says, y'all,
Speaker 1: The Frugal Friends podcast is my favorite podcast to listen to.
Speaker 1: Jen and Jill are great about discussing the many different
Speaker 1: ways to be frugal while still living your life. I
Speaker 1: appreciate that they can talk about different methods, ideologies, and
Speaker 1: options without saying one is better than another or shoving
Speaker 1: their products down your throat. I finished an episode feeling encouraged,
Speaker 1: not belittled like some other podcasts can make me feel.
Speaker 1: I love are fun attitudes and realistic approach to money.
Speaker 1: I really like that I'm having a discussion with friends.
Speaker 1: Keep it up, ladies. Nice Thanks Cat McCoy. I hope
Speaker 1: you don't feel like we're shoving the Frugal Friends work
Speaker 1: Book down your face. No you can't because it's actually
Speaker 1: really good. But you don't have to, but if you
Speaker 1: want to. Yeah. We also want to thank our friends
Speaker 1: for sharing these episodes on Instagram and Facebook. We definitely
Speaker 1: trying to re share everything we see on Instagram, and
Speaker 1: we want to include you in our monthly drawing. So
Speaker 1: for every five tags that we receive and reviews that
Speaker 1: we get emailed, we are giving away a copy of
Speaker 1: the Frugal Friends Workbook. And so if you send us
Speaker 1: something via email, even if you don't win, you're gonna
Speaker 1: get something. So definitely keep those tags and reviews coming. Yeah,
Speaker 1: and when you do review us on iTunes or stitchersend
Speaker 1: that screenshot to Frugal Friends podcast at gmail dot com.
Speaker 1: Keep tagging us on social you know the drill. We'll
Speaker 1: see you next week. Bye. Frugal Friends is produced, edited
Speaker 1: and mixed by Eric Serrian Wow mm hmm, Jim. Yeah,
Speaker 1: I'm I'm sorry, what go for it. I'm just gonna say,
Speaker 1: I'm excited for a hot tip tomorrow. But you already
Speaker 1: knew that. So wait exactly, like you really that's it?
Speaker 1: That's all I was gonna say. Did you really invite
Speaker 1: yourself over tomorrow? Like you slipped it in? Like if
Speaker 1: you keep saying tuesday, it will happen. I don't know.
Speaker 1: I mean I think so. Eric said it was fine. Oh,
Speaker 1: you guys already talked about this. Yeah, you and Eric
Speaker 1: didn't have like a conversation with your eyes. No, I
Speaker 1: was doing other things. You guys don't have conversations with
Speaker 1: your eyes that time. Oh, we have conversations with our mouths.
Speaker 1: Like we're beyond that. Okay, awesome, come on over. We'll
Speaker 1: probably do burgers. Great. It's like seems to be what
Speaker 1: we do together perfect, And it's our way of grilling
Speaker 1: and cutting expenses and getting a little bit of fun
Speaker 1: and frugality together awesome. Bye bye,