Speaker 1: Episode one is episode the Best Money Hacks with Lisa Owen.
Speaker 1: Welcome to the Frugal Friends podcast, where you'll learn to
Speaker 1: save money, embrace simplicity, rights, and live with your life.
Speaker 1: Here your host Jen and Jill. Welcome to the Frugal
Speaker 1: Friends podcast. My name is Jen, my name is Jill,
Speaker 1: and today we are re airing one of our most
Speaker 1: popular episodes and it is for a while was number one.
Speaker 1: So this is we have been waiting to reair this
Speaker 1: one for so long. You guys love it so so much,
Speaker 1: and we get it because we love it too. We
Speaker 1: think Lisa is amazing. She actually lives close by to us.
Speaker 1: We get to spend time with her sometimes and in
Speaker 1: person and in audio she is fantastic or books fantastic.
Speaker 1: There are some particular tips in this episode that we
Speaker 1: continue to get people reaching out to us saying I
Speaker 1: tried this and it worked and we're still celebrating with you. Also,
Speaker 1: just to put this, you know, at the top of
Speaker 1: your list again, we think this is worth it. Absolutely.
Speaker 1: But first our sponsors New Year's Resolutions. Baby. If you
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Speaker 1: This episode is also brought to you by many Please.
Speaker 1: I love that scene in Parks and Rex so much
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Speaker 1: So true. Okay, So if you want some more money hacks,
Speaker 1: if this is something hacking is really what you're into,
Speaker 1: here are a few other episodes to queue up to
Speaker 1: play after this one. The first one is episode one fifty,
Speaker 1: travel Hacking for Beginners. I go through my entire five
Speaker 1: card strategy for travel hacking for beginners, and this is
Speaker 1: the perfect time to start with that strategy, let me
Speaker 1: be clear. The second one is episode eighty all the
Speaker 1: way Back into the Archives, and that is house Hacking
Speaker 1: with Craig cure Lap. He is like the house hacking king.
Speaker 1: I think that one of the first ones I will say.
Speaker 1: But we interviewed him all about house hacking, so basically
Speaker 1: getting other people to pay your mortgage for you. Really
Speaker 1: really good concept, really good episodes. So episode one fifty,
Speaker 1: episode eight Q those up to play next. But for now,
Speaker 1: let's talk about money hacks with our really really good
Speaker 1: friend Lisa Rowan. Let's do it. I'm so excited about
Speaker 1: your book. I have flipped through it. Not gonna lie
Speaker 1: 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: So we needed her to cut, you know, pare it down. Um.
Speaker 1: I was asked for cliffs notes today because it is
Speaker 1: sort of a hefty book. It's one that will weigh
Speaker 1: down your handbag when you're carrying it around, or when
Speaker 1: you're carrying around the copies of the manuscripts you've put
Speaker 1: out to edit it. Uh several times. It's it seems
Speaker 1: almost like a reference, like you should have a dictionary
Speaker 1: and an encyclopedia and your money Hacks book. It's it's
Speaker 1: it's something that I would want to reference often. Yeah,
Speaker 1: and you know, just like my dictionary and encyclopedia. Yeah.
Speaker 1: The encyclopedia, though, is way more expensive than the Money
Speaker 1: Hacks book and encyclopedia. I believe you have to sign
Speaker 1: a contract for like fifteen years to receive encyclopedia. So
Speaker 1: this is a way lower investment towards your frugal life. Um,
Speaker 1: and it is it's meant to be a quick reference,
Speaker 1: and it's one of those books that I envision a
Speaker 1: group of friends passing around all the time. Um. Hey,
Speaker 1: like I got a lot of you know, good tips
Speaker 1: out of this chapter, Like you're working on paying down debt,
Speaker 1: or you're working on your budget, so you know, take
Speaker 1: a look at this and then pass it on to
Speaker 1: the next person who needs it. Uh. And it's one
Speaker 1: of those you can come back to and flip through
Speaker 1: again and again and maybe pick up something new for
Speaker 1: where you are in your life. Yeah. I picked up
Speaker 1: a few things. So the first one that you said
Speaker 1: was your favorite, UM was reconsider whether membership is worth it?
Speaker 1: Tell me about the Ladies. Ladies, I feel like I
Speaker 1: am getting subscriptioned out in my entire life. I don't
Speaker 1: even know it's a subscription anymore. That's how much they've
Speaker 1: disguised them, right, especially now that during the pandemic and
Speaker 1: I'm home all the time. It's everything is a free
Speaker 1: trial and then some sort of ongoing cost, right, whether
Speaker 1: it's uh, like a streaming service, or it might be
Speaker 1: something where you get products in the mail. For example,
Speaker 1: I recently did my first order from a company whose
Speaker 1: name I won't mention, but you can probably guess they
Speaker 1: sell like household products. Uh, and you can buy stuff
Speaker 1: regular style and pay for shipping whenever you want it.
Speaker 1: But the thing they want you to do during your
Speaker 1: free trial is gets sucked into whatever, Like the Elite
Speaker 1: status is where for like twenty bucks a month, all
Speaker 1: of your shipman's free. I don't need. I don't need
Speaker 1: shipments of paper towels every month because it's just me
Speaker 1: and my cats at home. I don't need premium service
Speaker 1: for household items. And so I love that we're disrupting
Speaker 1: the way that we shop. We're disrupting the way we
Speaker 1: pay for things. We have more choices than ever before.
Speaker 1: But if you're not watching where you're spending your money,
Speaker 1: these memberships are really going to start adding up all
Speaker 1: the subscriptions, memberships, shopping services. And I will admit that
Speaker 1: this is the biggest part of my own budget. When
Speaker 1: you look at you know, when you go past the necessities,
Speaker 1: the biggest chunk is like monthly memberships. A lot of them.
Speaker 1: I love a lot of them. I don't really need.
Speaker 1: It's time to cut those out. Yeah, it's what every
Speaker 1: company is trying to get us to do because they
Speaker 1: recognize that's where the money is either by people not
Speaker 1: actually taking advantage of the membership or they're just making
Speaker 1: boatloads of cash on these products that aren't actually that expensive.
Speaker 1: I mean there's tons of ways. But yeah, and in
Speaker 1: some ways, if we find the ones that are good
Speaker 1: for us and and we really desire and it really
Speaker 1: impacts our life in positive ways, and fine, but to
Speaker 1: membership every single thing is just ridiculous. Yeah, it's twenty
Speaker 1: commitment is overrated. But it's a marketing tactic that the
Speaker 1: businesses are seriously using. And businesses that weren't subscription based
Speaker 1: models before are becoming subscription based because it is more lucrative.
Speaker 1: So just acknowledge that that is a marketing tactic that
Speaker 1: people are using to get more of your money. Yeah,
Speaker 1: and just because a company makes it hard to cancel
Speaker 1: doesn't mean you should stop trying. And then as sometimes
Speaker 1: like I hate the phone, sometimes you just have to
Speaker 1: call and you just have to keep using the line
Speaker 1: over and over. I would like to cancel. A lot
Speaker 1: of them are not that bad now, but you gotta
Speaker 1: stick to your guns because it's it's your budget. Every month.
Speaker 1: I've started to become a sleuth in like more getting
Speaker 1: tactics and not that I'm really like an expert at all,
Speaker 1: but I think mindfulness has really helped me like to
Speaker 1: kind of press pause and be like, what what do
Speaker 1: they What did they just do to me? I just
Speaker 1: got an email today from UM some website wanting my money.
Speaker 1: But essentially they were like, you're the first in line
Speaker 1: for this deal. And initially it like got me like,
Speaker 1: like the subconscious level was this, Oh, first in line.
Speaker 1: That means I've got to move quickly. That means I've
Speaker 1: got to do this thing now or i might lose
Speaker 1: my spot, you knowing my my thought immediately goes to
Speaker 1: what's it like to be the first in line at
Speaker 1: amusement park? What do you do with that? Obviously I
Speaker 1: did not, I didn't even click on it, but it's
Speaker 1: helped me to realize like, oh, they actually want me
Speaker 1: to feel something right now, and they're not actually going
Speaker 1: to give me a deal. Delete. Yeah good girl, yeahs
Speaker 1: claps um. I I liked a few other ones in
Speaker 1: this Mindless Spending chapter. Uh, I'm partial to number two,
Speaker 1: number thirty five, which is essentially due and No Spend
Speaker 1: challenge and you have tips on how to prepare UM
Speaker 1: and how to get through one. So that's really great.
Speaker 1: But then also Hack thirty eight hit the gym. I
Speaker 1: used this one a lot to do something instead of
Speaker 1: spend money. When we were paying off debt, I did
Speaker 1: a lot of running and I also started well. I
Speaker 1: had a CrossFit membership and I kept it throughout our
Speaker 1: debt payoff up until the very end, but I didn't
Speaker 1: I didn't quit at that point because of the money,
Speaker 1: and then I got it back like nine months later.
Speaker 1: So I really love that one. And even if you're
Speaker 1: spending money on that every month, I feel like it
Speaker 1: gives you something to do at a time where you
Speaker 1: would otherwise maybe go spend money, um, and it's just
Speaker 1: the healthier way to spend your money. Yeah, gen will
Speaker 1: remember the days when I used to go to the
Speaker 1: gym right after work when we worked in the same office,
Speaker 1: and you know, the clock would hit five, and I
Speaker 1: wanted to be in the gym because I wanted to
Speaker 1: get it done, because I wanted to go home and
Speaker 1: eat dinner. But it also gave me a routine that
Speaker 1: provided the consistency I needed to stay in the right
Speaker 1: direction right if I knew exactly where I was going
Speaker 1: and 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 going to dilly dally stop
Speaker 1: and have a drink with a friend go to this
Speaker 1: little shop to see what they have before they close
Speaker 1: for the evening. You know, it just gives me those
Speaker 1: like lily pads to hop through my day so that
Speaker 1: I'm not letting myself sort of get distracted by other
Speaker 1: things 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 a 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 the scene
Speaker 1: there next to a beach. Everyone has muscles in a
Speaker 1: town except me. But like, you could go to one
Speaker 1: of those. But even if you're spending money on exercise,
Speaker 1: whether it's through an app, through a traditional membership at
Speaker 1: a gym, 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 going to be super tone. Like you know, you
Speaker 1: can spend money, but multiply the benefits of that you
Speaker 1: didn't 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 that 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 o os when we were coming up as adults,
Speaker 1: and 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 gonna be trying
Speaker 1: 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. Credit is something we
Speaker 1: we haven't talked about much, and I would love to
Speaker 1: do an episode on it because it is very misunderstood. UM. So,
Speaker 1: you had so many great tips in there. What was
Speaker 1: maybe your favorite tip from that chapter. One of my
Speaker 1: favorites that I didn't know a lot about before I
Speaker 1: wrote the book was that you can send what's called
Speaker 1: a good will letter to your creditors if you have
Speaker 1: had UM bad behaviors in the past with your UM
Speaker 1: with your debt, so if you have missed payments, if
Speaker 1: you have gone over your mac's limit for a credit card,
Speaker 1: if you UM. You know, I didn't pay a loan
Speaker 1: on time and you're falling behind. It doesn't work for
Speaker 1: every kind of debt uh, and your mileage is going
Speaker 1: to vary from creditor to creditor. But you can send
Speaker 1: them a letter of good old fashioned formal letter where
Speaker 1: you basically apologize and you admit that you've done things
Speaker 1: wrong in the past and you're taking action to fix
Speaker 1: 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 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 yeah yes. And you can find templates UM
Speaker 1: for goodwill letters on Google. Just ti, I mean search
Speaker 1: goodwill letter template UM and you can find them on there.
Speaker 1: And definitely, if you've already paid off the debt but
Speaker 1: there's still negative dings on your credit report, UM, then
Speaker 1: definitely send a goodwill letter to hoever that creditor is
Speaker 1: because more than likely they will UM, they will take
Speaker 1: it off if you've already like settled the debt or
Speaker 1: paid it off. So I love that one. UM. And
Speaker 1: then also there's claim you're missing money. Can you tell
Speaker 1: me about that one, Lisa. Okay, So this is one
Speaker 1: of those tips where I've written about it before, but
Speaker 1: um I didn't understand the benefit of it until after
Speaker 1: I was working on the book. So I will tell
Speaker 1: you the tip and then I'll tell you how amazing
Speaker 1: it can be. So, every state has a fund that
Speaker 1: money goes into when it goes unclaimed by the person
Speaker 1: 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 paste 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 there are plenty of
Speaker 1: you take your pick and you can find out if
Speaker 1: there is money that is owed to you through one
Speaker 1: of these state funds. It's not just where you live now.
Speaker 1: It's where it's any of the places that you've lived
Speaker 1: in your life. So if you've moved around, you might
Speaker 1: need to check a few different states. But you could
Speaker 1: find that you get a not insignificant amount of money
Speaker 1: that just gets cut as a check that you get
Speaker 1: in the mail, as long as you prove who you
Speaker 1: are with some identification and you know some evidence that
Speaker 1: you had that job or had that old account or
Speaker 1: something like that. Um. But this was one of those
Speaker 1: things where I've never found myself in any of these systems,
Speaker 1: probably because I'm super tight bay and I always hunt
Speaker 1: down everyone for my security deposit, like give me my money,
Speaker 1: I need to buy wine. So I've never benefited from
Speaker 1: this personally. But I had a friend come to town
Speaker 1: a couple of months ago after I had mentioned these
Speaker 1: unclaimed money websites for different states, and she told her
Speaker 1: parents about it, and her parents found thirty five hundred
Speaker 1: dollars that belonged to her dad from some old investments
Speaker 1: through a company that got sold to another company that
Speaker 1: got sold down the line. It was money from probably
Speaker 1: years ago that he just lost track of. It grew
Speaker 1: in whatever out then it went into the state fund.
Speaker 1: It was just sitting there, and they took it and
Speaker 1: planned a vacation with it. Have they taken that vacation, No,
Speaker 1: because things happened, But they were able to make really
Speaker 1: fun plans with the money that they found. So the
Speaker 1: reason that I put this tip in the chapter about
Speaker 1: paying off your debt is because when I like, when
Speaker 1: I find a lump sum that I get either as
Speaker 1: a gift or as a refund or maybe a class
Speaker 1: action settlement, I like to take that little pocket of
Speaker 1: money and put it towards any debt that I have,
Speaker 1: whether it's a credit card balance or I still have
Speaker 1: some student loan debt. So I like to take that
Speaker 1: that found money and put it somewhere that I feel
Speaker 1: like it's doing the most good for the long term
Speaker 1: for me. So check those state databases and see. If
Speaker 1: you google missing money, it'll it'll come right up. Unclaimed money,
Speaker 1: Google your way to some funds. It's a real thing.
Speaker 1: I learned about this through my mother in law, and
Speaker 1: she has she's actually gotten money that way as well,
Speaker 1: just some people who left her money in their will,
Speaker 1: but they weren't able to get it to her somehow.
Speaker 1: And yeah, she had money waiting for so it's it
Speaker 1: is a real thing. Um. And like you said, Lisa,
Speaker 1: maybe not not everybody is going to find money, but
Speaker 1: it's worth spreading the message because chances are you or
Speaker 1: your parents or a friend could benefit from it. Yeah.
Speaker 1: And if you're you know, if you're looking for something
Speaker 1: to do at home that is not shopping online, you
Speaker 1: could just go and put all your friends and family
Speaker 1: members names and then these websites and to see what
Speaker 1: comes up. It's like a fun time hunt. You don't
Speaker 1: have to leave your house for a friend to be like,
Speaker 1: give me ten percent and I'll give you information exactly
Speaker 1: some 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 they're 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: necessarily mean to get a mentor that is necessarily a
Speaker 1: financial advisor. What I'm thinking about is in your career,
Speaker 1: you need someone who's going to be an advocate for you.
Speaker 1: Because how often have we been told that we need
Speaker 1: to negotiate more when we're getting paid for the work
Speaker 1: that we do, and um, how often have we realized that,
Speaker 1: like we're really bad and negotiating in favor of ourselves.
Speaker 1: Like it's easy to tell a friend you need to
Speaker 1: ask for more, but it's really hard to tell yourself, oh,
Speaker 1: I am worth more. So, if you can find a
Speaker 1: mentor in your industry, whatever it is, who is willing
Speaker 1: to sort of coach you through career transitions as you go,
Speaker 1: it can help you when you are considering a new
Speaker 1: job offer, if you're considering taking a different job in
Speaker 1: a similar field, if you're trying to learn new skills
Speaker 1: that can earn you a higher salary. Having someone to
Speaker 1: use as a sounding board throughout your work life is
Speaker 1: so valuable just to be able to have a person
Speaker 1: who's in your corner. You know, you don't need to
Speaker 1: have all of the answers, but simply by being able
Speaker 1: to speak with someone who really cares about you and
Speaker 1: about your success, about the challenges you're coming up against
Speaker 1: and how you can overcome them and succeed with the
Speaker 1: long haul. Is is really valuable in something that I
Speaker 1: found a lot of success with. Well, yeah, mentors are
Speaker 1: the direct like the success I've had in my career
Speaker 1: and my like finance writing career has been a direct
Speaker 1: correlation from like how many mentors that I've had, like
Speaker 1: in a given time, Like the more people I have
Speaker 1: UM that I am like in contact with and not
Speaker 1: like networking, but like in relationship with UM, 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 Jill 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 skasy
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 know that. Yeah,
Speaker 1: it's not about brain picking. It's about forming. Like gents,
Speaker 1: at a relationship where you're going to have you know,
Speaker 1: you're 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, but
Speaker 1: just by having someone who's an advocate for you, it's
Speaker 1: it's going to benefit you and your earning potential. Nice.
Speaker 1: What was your second tip 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 twins. 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 gonna be really
Speaker 1: 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 your butt 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, get 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 sits a season. Um, there's someone that I
Speaker 1: followed that Jen and Joe. 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: break 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 season,
Speaker 1: tell them to go to the side house. But just
Speaker 1: by focusing on one season at a time and just
Speaker 1: doing something for a short period of time, you can
Speaker 1: get a quick influx of cash and then make decisions
Speaker 1: for how you're going to use that for the rest
Speaker 1: 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
Speaker 1: set that's also often more lucrative, then like delivering groceries,
Speaker 1: are driving uper right, use the skills you already have
Speaker 1: and maximize the income you're able to make in that
Speaker 1: limited 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 liked save for graduate school. I feel
Speaker 1: like that's personal. That's no, it's not, it's not even
Speaker 1: and wait until I tell you I mean it is
Speaker 1: important to say for graduate school. If you intend to
Speaker 1: go to graduate school, I am sixty hundred dollars away
Speaker 1: from being graduate school. Define. That isn't even that isn't
Speaker 1: even my bill of the week. But no, my tip
Speaker 1: about saving for grad school is actually about plans. So
Speaker 1: I didn't know until I was writing this book that
Speaker 1: you can start a five nine plan for yourself yep.
Speaker 1: Or you can start one and you know, not have
Speaker 1: a beneficiary named, and then decide that it's going to
Speaker 1: be for you. So you can get some tax benefits
Speaker 1: by having a five plan to save a way for tuition.
Speaker 1: And it doesn't necessarily have to be for a formal
Speaker 1: graduate program. If there's a job training program that you're
Speaker 1: eligible for, if you want to go back for a certification.
Speaker 1: Any legitimate education expense can be covered by a five nine.
Speaker 1: So if you anticipate that you or anyone in your
Speaker 1: family may be going back to school to get some
Speaker 1: additional education of whatever kind in the near future and
Speaker 1: the next you know, five, ten, fifteen years, it's worth
Speaker 1: putting aside that money in a five nine that you
Speaker 1: like to be able to have that to draw from
Speaker 1: later um with some you know, smart savings nohow m hm.
Speaker 1: And another tip for five twenty nine is that you
Speaker 1: don't have to invest in the five twenty nine in
Speaker 1: your state, So like we here in Florida actually have
Speaker 1: a prepaid program, which in theory should be a horrible investment,
Speaker 1: but if you did that twenty years ago, you'd be
Speaker 1: like bank but where it's so if you want to
Speaker 1: invest in a five twenty nine, like we invest in
Speaker 1: Utah's nine because it's I mean it's Florida doesn't have one.
Speaker 1: Um New York also has a really great five twenty
Speaker 1: nine plan, so you don't you're not restricted by the
Speaker 1: state you live in for five twenty nine. And so
Speaker 1: we didn't choose the Utah one, even though it's a
Speaker 1: great one after I did my research, but we have one.
Speaker 1: We have a five twenty nine through College Backer, and
Speaker 1: so College Backer chose um Utah's plan. So that's how
Speaker 1: we do. Because interface, the way that you invest in
Speaker 1: the five nine is also really important because if you
Speaker 1: choose one that's got a really confusing interface, it makes
Speaker 1: it hard to invest, it makes it hard for family
Speaker 1: and friends to to give to. So College Backer has
Speaker 1: a really user friendly interface and uh and yeah, and
Speaker 1: you can use it like I'm investing for Kai's college,
Speaker 1: But if I wanted to use it, I could just
Speaker 1: switch myself to the beneficiary. And if Kai doesn't want
Speaker 1: to use it, I can just switch it to his
Speaker 1: kids are if I have any other kids. It's very versatile. Yeah, yeah,
Speaker 1: I'm definitely. I am a person who's thinking ahead for
Speaker 1: what it's going to cost when my small nephews go
Speaker 1: to college and uh, you gotta you gotta stay early
Speaker 1: and often for those youngsters. What a good and oh,
Speaker 1: I mean, look, it's all gonna it's all going to
Speaker 1: come back around to me because when I'm older, going
Speaker 1: to take care of so clearly my sister. My sister
Speaker 1: has four kids. I'm like asking my husband which one
Speaker 1: should we invest in most that we think will care
Speaker 1: for us coming up? Yeah, when we let you get
Speaker 1: all sugared up when you come over to our house
Speaker 1: like that, we do that all we do that because
Speaker 1: we're planning. We're expecting that to pay off. Oh my gosh.
Speaker 1: Do you know what else is the best payoff? Ever? Oh?
Speaker 1: I think I know it pays dividends, dividends on dividends.
Speaker 1: It's them that's right, it's toime for the best minute
Speaker 1: of your entire week. Maybe a baby was born and
Speaker 1: his name is William. Maybe you paid off your mortgage,
Speaker 1: maybe your car died and you're happy to not have
Speaker 1: to pay that bill anymore. That's built buffalo bills, Bill Clinton,
Speaker 1: this is the bill of the week. Lisa, girl. You
Speaker 1: know what time the week it is. You are no stranger.
Speaker 1: Every week we ask our listeners for our guests to
Speaker 1: give us their favorite bill. And you knew you walk
Speaker 1: into Let us have it. My bill of the week
Speaker 1: is a bill that is like snapping back, like a
Speaker 1: rubber band, but in the best way. Hear me out
Speaker 1: on this snap backs, snap backs. In the before times,
Speaker 1: my mother and I booked a cruise to Alaska, and
Speaker 1: we were very excited about this trip. And we've never
Speaker 1: been on a cruise either of us. My mom has
Speaker 1: been like zero places. And we're so excited and then
Speaker 1: as as one does, they cancel their pandemic air cruise.
Speaker 1: So we had booked all of this through a travel
Speaker 1: agency and we were going with a group through my
Speaker 1: mom's church, and we made our payments on the schedule.
Speaker 1: We were like, you know, like every time we made
Speaker 1: a payment. We're like, yeah, like we're almost done paying
Speaker 1: off this trip. Then it all got canceled and the
Speaker 1: travel agency make sure that we get our money back,
Speaker 1: either the money we paid to them or that we
Speaker 1: paid directly to the cruise line for excursions, etcetera. We
Speaker 1: think all the money's back until we realized there's missing
Speaker 1: and we're like, what is that money from? Like, what
Speaker 1: what's that extra turns out it's for the nonrefundable plane
Speaker 1: tickets that the travel agency booked for us. And I
Speaker 1: hear the word nonrefundable plus pandemic, and I say, give
Speaker 1: me a minute, because the travel agency is like, sorry,
Speaker 1: they're nonrefundable, Like we can't you know, there's nothing we
Speaker 1: can do for you, And I'm like, I'm about to
Speaker 1: chit chat the airline, wouldn't you know. Through the power
Speaker 1: of not talking to a single person, I got to
Speaker 1: do this all online. I got to put in this
Speaker 1: request without giving them any details about why our flights
Speaker 1: have been canceled on our behalf by the travel agency.
Speaker 1: They agreed to refund our dollars. So I'm getting the
Speaker 1: bill back and it's going back into the travel savingspot
Speaker 1: that we made of all of our refunds. We're not
Speaker 1: going to get much interest on that money because you know,
Speaker 1: but and when the time comes to book this trip,
Speaker 1: we can pay it all on one lump sum because
Speaker 1: we were able to get all that money back. So
Speaker 1: the thirteen hundred dollars that I was just like, I
Speaker 1: was just dreading having this credit on an airline that
Speaker 1: I didn't know if we were going to fly again.
Speaker 1: That's like, but like, what are you gonna do? But
Speaker 1: just by asking, like you said earlier, we got that
Speaker 1: some people would just accept their lot in life and say,
Speaker 1: well that's the policy, not for us, for a friends,
Speaker 1: no push back. I'm here to tell you to say no,
Speaker 1: thank you. What else can you do? Snap? Or you
Speaker 1: better make this right because I'm big time. As I'm
Speaker 1: punching in my ticket number on the refund thing, I'm like,
Speaker 1: I hope they you give me my money. But it
Speaker 1: was powerful. I am. You don't 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, explore your options and you
Speaker 1: don't know if you don't ask, keep asking yes, And
Speaker 1: now it's time for I wasn't even there for that one.
Speaker 1: I was just we weren't even there. Oh yeah, you
Speaker 1: were someplace else. You were hanging out with Thunder the thunder,
Speaker 1: be the Thunder. That's the Tampa Bay Lightning's fan theme. Actually, yeah,
Speaker 1: to be the thunder. So that's what I was doing
Speaker 1: for today's Lightning round. We're talking about areas where we
Speaker 1: are currently cutting back on spending and how Lisa, you
Speaker 1: are honored guest, and we would love for you to
Speaker 1: go first, y'all. Y'all in these trying economic times, the
Speaker 1: 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 lettice, 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 with
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. You're welcome. Yep. All I do is like
Speaker 1: usually cut up cucumber on lettuce. But um, Gen's easy
Speaker 1: to please and I love her for that. UM So
Speaker 1: I have Actually I am trying to cut back on
Speaker 1: fast food. It has been a bad habit I've picked
Speaker 1: out picked up since giving birth. UM drive thrus. We're
Speaker 1: kind of like when I would when Kai was an
Speaker 1: infant and the only place he would sleep is a
Speaker 1: car seat. I would drive around and I would find
Speaker 1: myself and drive throughs because he's asleep and I can't
Speaker 1: get out of the car. So it's this bad habit
Speaker 1: um that I picked up last year and it's kind
Speaker 1: of carried over into this year. So I would really
Speaker 1: like to as much as I love talk about i'd
Speaker 1: love to eat less of it um and other fast
Speaker 1: food restaurants. I was never a big fast food person,
Speaker 1: like it was really it's really just in the past year.
Speaker 1: Um So it's I mean, it's embarrassing, but I'm I
Speaker 1: want to like put it out there. We're all here,
Speaker 1: we're all here for you. You're fine until you started
Speaker 1: eating meat again and then it got out of control. Okay,
Speaker 1: So yeah, I was a vegetarian for ten years, so
Speaker 1: I didn't have a lot of fast food options, so
Speaker 1: it wasn't like whatever still ate French tries all the time.
Speaker 1: Don't let her fool you. That's true. I don't even
Speaker 1: eat the French fries now. Really it's like the burgers
Speaker 1: and the burritos. Yeah, but look, you got it. You
Speaker 1: gotta put it out there. You've got to tell people
Speaker 1: about your goal, the thing you're working on. And if
Speaker 1: you cut back on how often you get fast food,
Speaker 1: then you're gonna appreciate it more. When you do, I
Speaker 1: just appreciate it more. I just preached hard to the
Speaker 1: choir right now. Like Jed, I'm pretty sure you wrote
Speaker 1: that book. Lisa is also pointing at us with a
Speaker 1: nail file. I don't know when that came into the
Speaker 1: picture and what you were doing while we're podcasting that
Speaker 1: I appreciate. It shouldn't be filing my nails while I'm
Speaker 1: on a microphone, but it is. That's to habit. I've
Speaker 1: picked up that nothing except my dignity. Oh well, so
Speaker 1: do save us? Similar to you? Both mine is food related. Gosh,
Speaker 1: we we do. We gotta, we gotta rein this in
Speaker 1: And if anybody has been listening to this podcast for
Speaker 1: any amount of time. You know that I, Jill, have
Speaker 1: just a saga worth of a journey, like you could
Speaker 1: write a book abow like my approach to food currently though,
Speaker 1: and I'm very excited about it. So here's what's happening.
Speaker 1: I am seeking to cut back on my takeout. So
Speaker 1: I'm not really like I don't spend typically a ton
Speaker 1: of money on fast food, but I do with take out,
Speaker 1: and especially with COVID. It's been my guilty pleasure, not
Speaker 1: even that guilty. I've been actually making it seem quite
Speaker 1: um heroic if you will, to be supporting local business
Speaker 1: through this pandemic where small businesses are suffering. So uh yeah,
Speaker 1: and then I reaped the benefits of food. Anyhow, we
Speaker 1: are now fully moved into our home and I have
Speaker 1: no more excuses. But we did buy a grill, and
Speaker 1: so here's what I'm realizing. I can cut back on
Speaker 1: my buying of takeout if I can also enjoy the
Speaker 1: experience of eating and cooking. And so grilling is like
Speaker 1: the best hack ever, and I'm pretty sure we're going
Speaker 1: to do it every night. Check back in. But we
Speaker 1: just got a fantastic meal over my lunch break. I
Speaker 1: started marinating chicken, and then I just diced up some
Speaker 1: sweet potatoes and Brussels sprouts and it all went on
Speaker 1: the girl and it all tasted fantastic, and I was like,
Speaker 1: all of that was ten dollars and it's gonna be
Speaker 1: about three more meals. Nice for me is yes, making
Speaker 1: an experience and something fun, something that I actually look
Speaker 1: forward to, Like, I think grilling is fun. Hopefully the
Speaker 1: novelty doesn't wear off. I think it will. You can
Speaker 1: grill all year round down here, you're gonna be living
Speaker 1: it up. Get dispatched, log at the apron, get the
Speaker 1: hot tub, get that. What's that other thing in your house?
Speaker 1: We're coming over for salad. What sad the bayou kayaking?
Speaker 1: We are some we are coming over. We're all in St.
Speaker 1: Petersburg right now, but none of us are together. You
Speaker 1: you would have assumed that Jill and I would record
Speaker 1: together when we started living fifteen minutes away from each other,
Speaker 1: but we have not yet done that. You'll get we'll
Speaker 1: get there. I do love you. You are a real friend, yes,
Speaker 1: real life. But I have an like I have a
Speaker 1: toddler and and he's sleeping, and my husband's at work,
Speaker 1: so I can't leave the house. Real friends can say
Speaker 1: you stay in your home and I'll stay in mine,
Speaker 1: you know, like that's so true, and but eventually we
Speaker 1: should see each other in person. And I've only been
Speaker 1: here for a week and a half so far, so
Speaker 1: you don't have to feel too bad. Yeah, Lisa, tell
Speaker 1: everyone where they can find your new book, Money Hacks.
Speaker 1: Money Hacks comes out September two. You can find it
Speaker 1: wherever books are sold. If you can't remember anything but
Speaker 1: my name, you can go to Lisa Rowan dot com
Speaker 1: and there is a link to where you can buy
Speaker 1: it online. Um, it's it's going to be everywhere. It's
Speaker 1: already available for preorder on Amazon. You can order it
Speaker 1: right now. My both of my parents have and parents
Speaker 1: also have, and I'm like, several of you live in
Speaker 1: the same place. You don't need multiple copies of the books.
Speaker 1: But thank you when step parents pay off right, talk
Speaker 1: about ended families, right, So yeah, you can find it
Speaker 1: um for priord or now or wherever books are sold
Speaker 1: after September twenty two. Awesome, Lisa, thanks so much for
Speaker 1: coming on the show and sharing these hacks. I know
Speaker 1: we only went over a few of them, but literally
Speaker 1: this book is jam packed with good hacks and it's
Speaker 1: way better than a blog post. It's just real good stuff.
Speaker 1: So uh definitely get your hands on a copy and
Speaker 1: reap the benefits and tell us about it in the
Speaker 1: Frugal Friends community on Facebook. Thanks Lisa, Thanks guys. I hope,
Speaker 1: I hope that was as good the second time around
Speaker 1: as it was the first, because I love I love,
Speaker 1: love love Lisa, and I love sitting down with her.
Speaker 1: It makes me want to go hang out with her.
Speaker 1: She's so fun and knowledgeable and all of the things.
Speaker 1: So so glad we got to hang out with her again. Yeah,
Speaker 1: I mean not physically, like really, but like with you.
Speaker 1: So I'm to listen to her again. It makes me
Speaker 1: want to hang out with her again. Yes, uh well
Speaker 1: as always, definitely tell us what what stood out to you.
Speaker 1: If you try any of these money hacks with success,
Speaker 1: let us know in the community on Facebook Frugal Friends
Speaker 1: community on Facebook, Let us know in our d M s,
Speaker 1: let us on Instagram, just you know, wherever you can
Speaker 1: possibly find us, let us know. We want to celebrate
Speaker 1: with you and thank you so so much for listening,
Speaker 1: and we want to thank you also for your kind
Speaker 1: reviews on Apple podcasts like this one. It's from Brown
Speaker 1: in GMR and it's titled Genuinely Brilliant Happens to be
Speaker 1: five stars. Every episode is down to earth with practical
Speaker 1: information and really thought provoking ideas. Oh short and sweet
Speaker 1: brown and people thing. I think it's bron Wyn we provoke.
Speaker 1: Oh you're right, I'm sorry, braun Wins. We also want
Speaker 1: to thank our friends who share these episodes on social media.
Speaker 1: That's a big way that you can help us grow
Speaker 1: the show so more people can hear these thought provoking ideas.
Speaker 1: So when you share the latest episode on Instagram, we're
Speaker 1: gonna add you to our monthly drawing. For every five
Speaker 1: tags and reviews we get every month, we give away
Speaker 1: fifty dollars for you to spend in the Frugal Friends shop.
Speaker 1: So keep leaving us those awesome reviews wherever you listen
Speaker 1: to podcasts and sending the screenshot to reviews at Frugal
Speaker 1: Friends podcast dot com, and don't forget to tag us
Speaker 1: on social We'd love to see you there absolutely and
Speaker 1: we'll see you next week. By Crucal Friends is produced
Speaker 1: by Eric Syrian. I missed Lisa's birthday party? Do you
Speaker 1: want to hear. Um, Yeah, I was out of town.
Speaker 1: But do you want to hear what the theme was? Well,
Speaker 1: I guess it wasn't a it was a roller skating party.
Speaker 1: I guess it was nineties themed. Everyone was wearing nineties
Speaker 1: esque clothing. She is fun. See I told you I
Speaker 1: did catch her fifth anniversary party of of living in St. Pete.
Speaker 1: That one was good. That one included Margarita's and so
Speaker 1: I feel like I got you know, between marks and
Speaker 1: roller skating. You know it was okay. I think the
Speaker 1: last time I saw her was her Bok release party,
Speaker 1: which was awesome. She's signed money Hacks for me. Yes,
Speaker 1: I have money Hacks right behind me in my bookshelf.
Speaker 1: There's I have a three shelf bookshelf and only two
Speaker 1: shelves have books on them, and she has made the
Speaker 1: minimal cut. And yeah, I mean it's exciting when you
Speaker 1: have a paper copy of your book. You know, so
Speaker 1: many things are digital, but nothing can compare to that paper.
Speaker 1: Very excited. I need to order copies of my How
Speaker 1: stupid is this? I have re released The No Spend
Speaker 1: Challenge Guide, second edition, and I have not yet bought
Speaker 1: an author copy of my own book. I have been
Speaker 1: so busy, and I'm going to do that as soon
Speaker 1: as we get off this call. In order, okay, buy
Speaker 1: my own book, The Things You Realize when you actually
Speaker 1: sit down and have a moment to think, all right,
Speaker 1: let's do it.