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Frugality,
But Make it Fun

We help you control your spending without all the guilt and shame of strict budgeting.

Get ready to feel confident about your finances and afford more of the things money can’t buy.

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Extreme couponing is so 2012.

Modern frugal living is as much about preserving your time, physical space, and natural resources as it is about saving money.

No More Broken Budgets

Budgets are the diets of the financial industry. We help yo-yo budgeters end the guilt and shame cycle of “perfect” budgets and make one that actually works.

Financial Goals That Align With Your Values

There’s not one right way to do money. We help you find your core values and create a financial plan around them. And you always have the freedom to take what works for you and leave what doesn’t.

Motivation to Succeed

Life can be focused on the destination but it’s lived on the journey. You need actionable strategies to make good decisions in advance and in real time. We’ve got you.

Frugal ≠ Cheap

We believe frugality isn't just clipping coupons and reusing Ziploc bags. It's the wise stewardship of resources: money, time, relationships, mental space, physical space, and natural resources.

Intention Matters

When we focus on consuming less, spending based on our values, and earning more in the workplace we can stop focusing on $3 decisions and start considering $3,000 and $30,000 decisions.

We Rise By Lifting Others

We believe the best way forward is together. The only way women can close the wealth gap and experience financial freedom is by working together to educate, support, and celebrate each other.

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Frugal Friends

Frugal Friends
You don’t need a whole new Halloween collection to enjoy the spooky season. Jen and Jill talk about Halloween trends, social media pressure, and simple ways to celebrate without letting overconsumption take over. 🥘 Spend less on takeout with our FREE 15 Easy Emergency Meals recipe book: https://www.frugalfriendspodcast.com/meals 💲Do you know the 10 Financial Decisions you need to make before 40? Get the FREE workbook here: https://www.frugalfriendspodcast.com/decisions 📲 Get 20% off our spending habits coaching app! https://www.frugalfriendspodcast.com/app 👩🏻‍💼 Interested in a comprehensive financial plan? Fill out this form: http://www.frugalfriendspodcast.com/cfp 📚 Order our book, Buy What You Love Without Going Broke: https://www.frugalfriendspodcast.com/order-buy-what-you-love-without-going-broke/ ⭐ Submit your Bill of the Week: http://frugalfriendspodcast.com/bill 🔗 Links mentioned in this episode: 👉🏻 People Are Finally Tired of Buying Junk: https://www.youtube.com/watch?v=2tV8ACjGCYc 👉🏻 Deinfluencing Christmas | Holiday Overconsumption AT ITS WORST: https://www.youtube.com/watch?v=Pdw4yzZSHGk 02:26 - 2026’s first halloween monstrosity 08:21 - Artificial halloween slop 14:00 - Insane scary giant inflatables 19:45 - Who is Martha Stewart? 26:08 - What to do during halloween overconsumption season DISCLAIMER: This video is for educational purposes only. In order to make the best financial decision for you and your family, you need to conduct your own research and seek the advice of a licensed professional if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Don’t make any decisions without doing your own research! AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. This does not impact our personal opinions.
Halloween Overconsumption is OUT OF TOUCH
October spending can sneak up on you fast. 🎃 Between Halloween, fall activities, and early holiday expenses, we’re sharing how to avoid seasonal spending traps and make a spending plan that actually works. 🥘 Spend less on takeout with our FREE 15 Easy Emergency Meals recipe book: https://www.frugalfriendspodcast.com/meals 💲Do you know the 10 Financial Decisions you need to make before 40? Get the FREE workbook here: https://www.frugalfriendspodcast.com/decisions 📲 Get 20% off our spending habits coaching app! https://www.frugalfriendspodcast.com/app 👩🏻‍💼 Interested in a comprehensive financial plan? Fill out this form: http://www.frugalfriendspodcast.com/cfp 📚 Order our book, Buy What You Love Without Going Broke: https://www.frugalfriendspodcast.com/order-buy-what-you-love-without-going-broke/ ⭐ Submit your Bill of the Week: http://frugalfriendspodcast.com/bill 🔗 Links mentioned in this episode: 👉🏻 90-Day Transaction Inventory: https://www.frugalfriendspodcast.com/inventory 👉🏻 Full show notes: https://bit.ly/octoberbudgetkit 04:27 - What to Include in October’s Spending Plan 06:34 - What’s on sale in October 09:54 - What NOT to Buy 11:20 - What to sook 18:36 - October’s Big Money Move: Do a Spending Audit DISCLAIMER: This video is for educational purposes only. In order to make the best financial decision for you and your family, you need to conduct your own research and seek the advice of a licensed professional if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Don’t make any decisions without doing your own research! AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. This does not impact our personal opinions.
What to Include in Your October Budget
What happens when you can no longer afford your mortgage? Jen shares lessons from her family’s experience after the 2008 financial crisis and the steps you can take now to protect your home and finances. From emergency funds to disability and life insurance, learn how to prepare before a financial emergency puts your home at risk of foreclosure. 🥘 Spend less on takeout with our FREE 15 Easy Emergency Meals recipe book: https://www.frugalfriendspodcast.com/meals 💲Do you know the 10 Financial Decisions you need to make before 40? Get the FREE workbook here: https://www.frugalfriendspodcast.com/decisions 📲 Get 20% off our spending habits coaching app! https://www.frugalfriendspodcast.com/app 👩🏻‍💼 Interested in a comprehensive financial plan? Fill out this form: http://www.frugalfriendspodcast.com/cfp 📚 Order our book, Buy What You Love Without Going Broke: https://www.frugalfriendspodcast.com/order-buy-what-you-love-without-going-broke/ ⭐ Submit your Bill of the Week: http://frugalfriendspodcast.com/bill 🔗 Links mentioned in this episode: * Mortgage Electronic Registration Systems (MERS): https://www.mers-servicerid.org/ * Life insurance for any budget: https://www.frugalfriendspodcast.com/ethos * Flexible life insurance: https://www.frugalfriendspodcast.com/ladder 00:00 - Financial Crisis Trends 06:29 - Jen’s Mom’s Foreclosure Story 18:13 - 3 Immediate Actions If Facing Foreclosure 21:53 - 4 Preventative Financial Measures to Avoid Foreclosure DISCLAIMER: This video is for educational purposes only. In order to make the best financial decision for you and your family, you need to conduct your own research and seek the advice of a licensed professional if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Don’t make any decisions without doing your own research! AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. This does not impact our personal opinions.
My mom lost her house. This could've saved her.
Stores are designed to make you spend more than you planned. In this episode, we break down the psychological tricks and marketing tactics that influence your spending, from impulse purchases to sneaky sales strategies. Learn how to spot these tactics, avoid overspending, and make more intentional money choices. 🥘 Spend less on takeout with our FREE 15 Easy Emergency Meals recipe book: https://www.frugalfriendspodcast.com/meals 💲Do you know the 10 Financial Decisions you need to make before 40? Get the FREE workbook here: https://www.frugalfriendspodcast.com/decisions 📲 Get 20% off our spending habits coaching app! https://www.frugalfriendspodcast.com/app 👩🏻‍💼 Interested in a comprehensive financial plan? Fill out this form: http://www.frugalfriendspodcast.com/cfp 📚 Order our book, Buy What You Love Without Going Broke: https://www.frugalfriendspodcast.com/order-buy-what-you-love-without-going-broke/ ⭐ Submit your Bill of the Week: http://frugalfriendspodcast.com/bill 04:51 - The Illusion of Free Shipping 09:50 - Loyalty Programs, Loss Aversion, and Endowed Progress 13:44 - Urgency and Artificial Scarcity 18:21 - Choice Architecture and Engineering Consent 24:32 - Decoy/Charm Pricing and Engineered Social Proof DISCLAIMER: This video is for educational purposes only. In order to make the best financial decision for you and your family, you need to conduct your own research and seek the advice of a licensed professional if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Don’t make any decisions without doing your own research! AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe.
7 Psychological Tricks Stores Use to Make You Overspend
Your utility bill may be costing you more than it should. In this episode, we’re breaking down simple ways to cut your water and electricity costs, plus how to avoid getting ripped off on HVAC repairs. A few small changes could make a noticeable difference in your monthly bills. 🥘 Spend less on takeout with our FREE 15 Easy Emergency Meals recipe book: https://www.frugalfriendspodcast.com/meals 💲Do you know the 10 Financial Decisions you need to make before 40? Get the FREE workbook here: https://www.frugalfriendspodcast.com/decisions 📲 Get 20% off our spending habits coaching app! https://www.frugalfriendspodcast.com/app 👩🏻‍💼 Interested in a comprehensive financial plan? Fill out this form: http://www.frugalfriendspodcast.com/cfp 📚 Order our book, Buy What You Love Without Going Broke: https://www.frugalfriendspodcast.com/order-buy-what-you-love-without-going-broke/ ⭐ Submit your Bill of the Week: http://frugalfriendspodcast.com/bill 00:00 - Creative Ways to Conserve Water 04:29 - Simple Habits for a Lower Water Bill 11:53 - The Truth About Setting Your AC Temperature 20:10 - How to Avoid Getting Scammed on HVAC Repairs 23:51 - Understanding Utility Profits and Rate Regulation READ: Who Picks Electric Utility Regulators? https://ilsr.org/article/energy-democracy/who-picks-electric-utility-regulators/ DISCLAIMER: This video is for educational purposes only. We are not financial advisors. In order to make the best financial decision for you and your family, you still need to conduct your own research and seek the advice of a licensed professional if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Don’t make any decisions without doing your own research! AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. This does not impact our personal opinions.
People Share How They Save Money on Utilities
You don’t always have to pay the advertised price. In this episode, we share 7 expenses you can negotiate, from medical bills and phone plans to internet services and home renovations. Learn how to ask for a better deal and keep more money in your pocket. 03:54 - 7 Things You Don't Have to Spend Full Price On 12:18 - How to Negotiate Medical Bills 16:10 - Lowering Your Phone Bill 19:02 - Home Improvement and Remodeling Savings 📲 Get our new customized spending coach APP! https://www.frugalfriendspodcast.com/app 🥘 Stop your takeout habits for good with our FREE 15 Easy Emergency Meals: https://www.frugalfriendspodcast.com/meals e 🎙️ Get full show notes here! https://bit.ly/ffpdontpayfullprice ⭐ Submit your BOTW: http://frugalfriendspodcast.com/bill 📚 Our book: Buy What You Love Without Going Broke https://www.frugalfriendspodcast.com/order-buy-what-you-love-without-going-broke/ ⭐ Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ 💌 The Friendletter: https://www.frugalfriendspodcast.com/friendletter 👩🏻‍💼 Interested in a comprehensive financial plan? Fill out this form: http://www.frugalfriendspodcast.com/cfp 🏥 See if you qualify for a medical debt relief with Dollar For: https://dollarfor.org/ DISCLAIMER: This video is for educational purposes only. We are not financial advisors. In order to make the best financial decision for you and your family, you still need to conduct your own research and seek the advice of a licensed professional if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Don’t make any decisions without doing your own research! AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. This does not impact our personal opinions.
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The Definitive Guide to Values Based Spending

A relatable personal finance guide that gives a fresh take on how to control your impulse spending so you can stick to a budget and pay off debt, without the guilt and shame of traditional financial advice.

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Meet the Hosts

Jen Smith & Jill Sirianni

Jen Smith

Jen and her husband paid off $78K of debt in 2 years, she's the author of 4 personal finance books.

Jill Sirianni

Jill is a licensed clinical social worker and the co-author of Buy What You Love Without Going Broke.

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12-Week coaching program in your pocket to help you break free from impulse spending and overconsumption. Discover what truly matters to you, learn to spot manipulative marketing, and build the confidence to say no to impulse purchases. 

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