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iHeartPodcasts and Jen Smith & Jill Sirianni

Controlling your spending is hard to do. On every episode of Frugal Friends, we'll try to help you gain a little more control on one aspect of the countless directions your money is being pulled toward through frugality and a few laughs. If you're trying to save money, spend less, adopt minimalism, pay off debt or reach financial independence, we think you'll like the show.

Frugal Friends Podcast

No judgments here—we’re all guilty of impulse spending from time to time anyways. But it becomes a problem when we don’t notice how it’s slowly draining our wallets. In this episode, Jen and Jill explore five reasons behind impulse spending and offer better alternatives that won’t cost us.
 
🎙️ Get full show notes here!
https://bit.ly/4f0IMMp 
 
📘 Pre-order the book here
https://bit.ly/BWYL-podcast
 
💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter
 
📣 Submit your bill of the week and get a shoutout from us
 https://www.frugalfriendspodcast.com/bill-of-the-week/
 
💸 Check out our monthly challenge community
 http://www.frugalfriendspodcast.com/club
 
👉🏼 Subscribe for more on YouTube
 https://www.youtube.com/frugalfriends
 
💃🏼 Hang out with us on Instagram!
 https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Five Reasons You Impulse Shop (& How to Resist!)

Sit back, relax, and see how the tables have turned—not metaphorically, but literally. Is your table composed of the right people and the right community? Is it filled with inspiring feasts or just artificial crumbs? In this episode, Jen and Jill are joined by Anthony O'Neal as they explore how identifying the right mentors and embracing vulnerability can help create a powerful circle of influence.
 
🎙️ Get full show notes here!
https://bit.ly/4iwMnVB
 
📘 Pre-order the book here
https://bit.ly/BWYL-podcast
 
💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter
 
📣 Submit your bill of the week and get a shoutout from us
 https://www.frugalfriendspodcast.com/bill-of-the-week/
 
💸 Check out our monthly challenge community
 http://www.frugalfriendspodcast.com/club
 
👉🏼 Subscribe for more on YouTube
 https://www.youtube.com/frugalfriends
 
💃🏼 Hang out with us on Instagram!
 https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

How to Find a Financial Mentor with Anthony O'Neal

Why pay for books when you can read and learn for free? A good read is one that leaves you feeling fulfilled, not guilty. In this episode, Jen and Jill share all the best ways to get books for free, so you can satisfy your bookworm cravings and learn something new—all without spending.
 
🎙️ Get full show notes here!
https://bit.ly/4fk09YX 
 
📘 Pre-order the book here
https://bit.ly/BWYL-podcast
 
💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter
 
📣 Submit your bill of the week and get a shoutout from us
 https://www.frugalfriendspodcast.com/bill-of-the-week/
 
💸 Check out our monthly challenge community
 http://www.frugalfriendspodcast.com/club
 
👉🏼 Subscribe for more on YouTube
 https://www.youtube.com/frugalfriends
 
💃🏼 Hang out with us on Instagram!
 https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

How to Get Free Books

Talking about money with your partner can feel uncomfortable, but it’s a conversation worth having. It’s not always a walk in the park, but we can definitely ease some of the discomfort. In this episode, Jen and Jill share ways to get on the same page with your partner, along with their own experiences.
 
🎙️ Get full show notes here!
https://bit.ly/3ZCVlYv 
 
📘 Pre-order the book here
https://bit.ly/BWYL-podcast
 
💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.
https://www.frugalfriendspodcast.com/friendletter
 
📣 Submit your bill of the week and get a shoutout from us
 https://www.frugalfriendspodcast.com/bill-of-the-week/
 
💸 Check out our monthly challenge community
 http://www.frugalfriendspodcast.com/club
 
👉🏼 Subscribe for more on YouTube
 https://www.youtube.com/frugalfriends
 
💃🏼 Hang out with us on Instagram!
 https://www.instagram.com/frugalfriendspodcast/

See omnystudio.com/listener for privacy information.

Get Your Partner on Board With Debt Payoff Goals

Today’s episode offers a peek into what your favorite personal finance podcast might be like, if only it was hosted by two ladies! Jen Smith and Jill Sirianni are hosts of the Frugal Friends podcast which is all about embracing a more intentional and frugal lifestyle… but not THAT kind of frugal. They challenge the idea that frugality is about deprivation and instead highlight how it can empower you to achieve financial independence while living a life filled with joy and purpose.
 
Jen and Jill drive this point home in their new book, Buy What You Love Without Going Broke, which is exactly what we’re talking about today- spending money! We cover the ways that we’re doing it wrong, how to spend money in a healthy values-driven way, and strategies to support those new habits!

See omnystudio.com/listener for privacy information.

BONUS: Frugal Ain't Cheap | Jen & Jill x How To Money Podcast

Hi! We're Jill & Jen, your new frugal friends. We're here to help you embrace frugality and all the benefits that come with it.Are you trying to pay off debt or reach other financial goals?

Do you often wonder where all your money went? 

Have you been looking for a community that will help you grow to your fullest frugal potential?

Then join us on the where we help you save money on things you need, buy less of the things you don't, and leave more for the things you really want.Frugal Friends Podcast

Frugal Friends is an accessible and informative podcast for anyone who wants to make better decisions with their money. We’re a place where people can learn together and share what’s worked for them.

Everyone’s invited! 

We're finding joy in the simplicity of less. 

To follow along, Subscribe in Apple Podcasts, Stitcher, and Google Play.

See omnystudio.com/listener for privacy information.

Frugal Friends Trailer

In this episode, we introduce the Frugal Friends Podcast, share a bit about ourselves, and a lot about frugality.

We're excited to create a platform for sharing and learning together on this frugal journey!

Frugality is for everyone; so join us by listening, engaging with our Facebook Group, taking the 90 Day Frugalizer challenge, and utilizing the links below for more resources and information on living frugally!

Notable Notes:

 • - Categories to anticipate with Frugal Friends podcast episodes 
 • Clothing/Shopping
 • Bills/Utilities
 • Transportation
 • Housing
 • 4 Pillars
Frugalwoods Article • Mrs. Frugalwoods (a.k.a. Liz Thames) identifies 19 reasons why frugality is the best - and the frugal friends agree!
 • Frugality helps you identify your true priorities
 • Frugality builds community
 • Frugality means you'll never be bored
 • Frugality leads to gratitude and joy
 • What Jen and Jill have to say:
Millennial Money Article • Grant went from a frugal guy who amassed $1M to flippantly spending over $200K in one year. In short; the spending didn’t make him feel better.
 • Frugality is about spending wisely
 • Frugality is about the journey, not the destination
 • It is never too late to 'course correct'
 • What Jen and Jill have to say:
 • What the internet has to say
 • Introduction of the most anticipated, interactive segment!
 • Leave us a voicemail with your BILL OF THE WEEK at: 570-995-1540
 • BILL OF THE WEEK 
 • (i.e. at some point you're wasting your time)The Law of Diminishing Returns
 • ( i.e. if frugality keeps you from what you love its cheapness)Frugality allows you to discover what you truly value
 • (i.e. you can’t buy your way to green) Frugality is good for the environment
 • (i.e. you can have better things when you buy used and you’ll eventually stop buying those souvenir t-shirts you’ll never wear)Frugality refines your taste and style
 • (i.e. the best way to not spend money is to spend time making it!)Frugality allows you more time to increase your income 
 • (i.e. sorry, not sorry)Frugality will not make you rich 
 • Tenets of Frugality 
 • #frugalnotcheap

See omnystudio.com/listener for privacy information.

Save Money & Spend Intentionally Without Being Cheap

We discuss one of our most basic needs and how to spend and save smartly on our clothing. Beyond the purchase of clothing, the Frugal Friends also explore proper care, and maintenance to increase the longevity of our clothing.

Notable Notes:

Penny Hoarder Article • The article shares 20 ways to save money on clothes. Tips include saving, spending intentionally, and even preserving and properly washing clothing.
 • Thrift stores - YES!
 • Hang dry clothing - Frugal Friends call this a 'two birds, one stone' situation; preserve clothes, AND save on utility costs
 • Compartments in the washing machine explained 
HERE • Dry Clean at home 
DIY Dry Cleaning • What Jen and Jill have to say
Money Talks Article • Angela Colley shares 23 money saving tips on clothing. In a culture where the average American spends $1,800 a year on clothing, the Frugal Friends agree; we can do better!
 • Buy out of season 
 • Skip expensive workout clothes
 • Organize a clothing swap with friends - another 'two birds, one stone' scenario; hanging out with friends AND getting 'new to you' clothing!
 • What Jen and Jill have to say
 • What the internet has to say
 • Jen - buying quality, buying out of season, referral programs
 • Jill - thrift stores, mending, and swapping
 • How Jen and Jill save money on clothes
 • underwear (the line has to be drawn somewhere!)
 • staple shoes (i.e. boots, quality sandals)
 • coats (out of season is still best!)
 • What Jen and Jill WILL spend money on
 • Thanks Lisa! The Frugal Friends think 'Bill' the dog sounds like a real gem!
 • BILL OF THE WEEK 
 • Wrap Up
 • Challenge yourself to not spend money on clothes
 • Clothing swap with friends
 • If you have kids, clothes swap with other parents
 • Utilize referral programs - 
ThredUp • & 
Schoola
See omnystudio.com/listener for privacy information.

How to Spend Less on Clothing

The Frugal Friends discuss FOOD! Jen and Jill turn to the internet to see what others have to say about saving money on food, reducing waste, and still maintaining a healthy diet. Of course, the organic debate does come up; but thank you Aldi for not polarizing us!

Notable Notes

Root and Revel Article • In this article, Kate lists 30 ways to save money and eat healthy on a budget. Included is the 'cheat sheet' on where to prioritize purchasing organic, how to make your own condiments, and resources to buy and support local agriculture. 
 • Buy food, use food
 • Reduce animal product consumption
 • Disagree with meal kit delivery service one
 • Drink water! It's good for you!
 • What Jen and Jill have to say
Sustainable Baby Steps Article • This writer argues that healthy food does not have to be expensive, and gives a strong case for why eating smart only 
appears • to cost a lot of money. A long list of cheap, healthy food is given, and links to recipes are provided. 
 • Sustainable baby steps show you save money with whole foods but you pay in time
 • The list of healthy and inexpensive snacks and foods is a winner!
 • Learning how to cook, and the flavors you enjoy is key to embracing food the frugal way
 • What Jen and Jill have to say
 • What the internet has to say
 • THANK YOU 
Aldi • !
 • The Organic Debate
 • BILL OF THE WEEK 
 • Eating healthy is cheaper, but you pay in time and taste (unless you learn how to cook!)
 • Budget your time (i.e. meal prep)
 • Improve taste; research & practice makes perfect
 • Wrap Up

See omnystudio.com/listener for privacy information.

Save Money on Healthy Food

The Frugal Friends take a look at the fundamental need and expense of shelter! In this episode Jill shares her adventures in non-traditional housing solutions and Jen talks house hacks and how she uses her home as income property. A number of internet articles are explored and the pros and cons of renting versus buying are equitably discussed.

Notable Notes

 • What the Internet has to say 
Market Watch Article • Jacob Passy boldy supports his claims that, in some cases, it makes more sense to rent than buy. Citing shifts in economics and the housing market, Jacob gives a convincing argument to stick with the landlord, and enjoy the freedom that comes with renting. 
 • You do run the risk of rent inflation but when you own your taxes increase too so you’re not immune.
 • Renting includes being absolved from fixing anything that breaks, renters insurance is a fraction of the cost of homeowners insurance, you don’t have to pay property taxes, there is no interest lost when you rent.
 • Jen -"we love our house but it's a luxury". The house you live in isn’t an investment, it’s a home. Until you’re ready to incur the cost of maintenance, upkeep, and designing it to be a place you love, no one, including yourself, should rush you into buying. You’re not missing out on anything by renting, it’s the frugal thing to do. mic drop.
 • What Jen and Jill have to say
 • The Case for Renting
 • Jill shares on her journey of renting inexpensively, living in an RV, house-sitting, and living with grandma!
 • Get paid to care for your elderly family members
Caring for Elderly • Alternative Housing
 • 1) rates are always at “attractive lows” and housing prices are always “only going up from here”
 • 2) Start doing best practices to increase your credit score and decrease your your debt-to-income ratio (less than 28%). Better yet, get out of debt first! Your goal is to qualify for a conventional loan.
 • 3) Save your downpayment (the more you save the lower your interest rate and less PMI you’ll have to pay.) And look at grants.
 • Things to Remember
Coach Carson Article • Chad Carson gives a very thorough description (with pictures!) of his 'house hacking' journey. The article includes Chad's own break down of the costs incurred and revenue accrued from his fourplex, along with a creative guide for others who are interested in 'house hacking'. 
 • Chad Carson is who Jen learned house hacking from - she always assumed it was an option, but Chad actually gave it a name! 
 • Jen's version of 'house hacking' includes renting out a room in their single family home on 
Airbnb

 • What Jen and Jill have to say
 • What the Internet has to say
 • Ready to Buy
Mr. Money Mustache Article • Mr. Money exposes the true cost of commuting and dispels the myth that 'commuting is a good way to save money' 
 • Some people think opting for lower rent outside the city and settling for a 30-40 minute commute is the smart thing to do, but the frugal friends disagree.
 • Jen agrees with Mr. Money Mustache that you should pay the higher rent to live close to your work and life if you’re willing to 1) bike to work 2) sell you
 • What Jen and Jill have to say
 • What the Internet has to say
 • The Case Against a Commute

See omnystudio.com/listener for privacy information.

Save Money on Housing with House Hacks

Understanding investing terms and options is not for the faint of heart, but we don't have to be experts in order to make wise, frugal financial decisions for our future. On this episode Barbara Ginty shares in some very understandable and approachable ways some of the basics of investing and how to take advantage of Roth IRA's.

Get the full show notes here!

See omnystudio.com/listener for privacy information.

Roth IRA's Explained with Barbara Ginty

Roth IRA's Explained with Barbara Ginty

Lyt når som helst, hvor som helst

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