Frugal Friends Podcast

Hosted by Jen Smith & Jill Sirianni | Backyard Ventures

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666

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Oct 2026

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October 16, 202639 min

Financial Planning for Your 30s: What Actually Matters

They say life actually starts at 30! So, if you’re feeling behind financially, say less, because things are just about to get good. In this episode, Jen and Jill breaks down the financial planning moves that actually matter in your 30s, from building a strong financial foundation to investing for retirement and planning for your future. 🥘 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 👉🏼 Subscribe for more on YouTube: https://www.youtube.com/frugalfriends 📲 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 🎙️ Get full show notes and mentioned links here! https://bit.ly/ffpplanningfor30s See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

October 13, 202649 min

7 Money Saving Hacks to Live Below Your Means

Everyone says they’d be responsible with more money, but the problem is often how we define living below your means. It’s not about spending as little as possible. It’s about shifting your money mindset so you can spend intentionally without exceeding your means. Today, we’re talking about the mindset shifts that make living below your means feel less like restriction and more like financial freedom. 🥘 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 👉🏼 Subscribe for more on YouTube: https://www.youtube.com/frugalfriends 📲 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 🎙️ Get full show notes and mentioned links here! https://bit.ly/ffpbelowyourmeans See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

October 9, 202641 min

More Reasons to Stop Shopping at Target

We thought we were the only ones feeling this way, but we kept finding more and more reasons people have stopped shopping at Target, so that’s what we’re talking about today. Target has become something else, and Jen and Jill are digging into why shoppers are feeling differently, what’s changed, and whether the Target run is still worth it. 🥘 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 👉🏼 Subscribe for more on YouTube: https://www.youtube.com/frugalfriends 📲 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 🎙️ Get full show notes and mentioned links here! https://bit.ly/ffptargetisover See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

October 6, 202644 min

Financial Next Steps When You Have Your First Baby

Having a baby changes everything, including the way you think about money. Suddenly, you’re not just planning for your life. You’re planning for someone else’s future, too. In this episode, Jen and Jill break down the financial moves every new parent should think about, so you can feel more prepared for the costs, responsibilities, and big life changes that come with growing your family. 🥘 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 👉🏼 Subscribe for more on YouTube: https://www.youtube.com/frugalfriends 📲 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 🎙️ Get full show notes and mentioned links here! https://bit.ly/ffpfirstbaby See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

October 2, 20261 hr 0 min

Should You Still Be Following The Baby Steps?

You’ve probably heard of Dave Ramsey and his famous Baby Steps. But do you have to follow someone else’s financial blueprint to make progress with your money? In this rerun, Jen and Jill revisit Dave Ramsey’s advice, where they agree, where they’d do things differently, and how finding other voices in personal finance helped them figure out what actually works for them. 🥘 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 👉🏼 Subscribe for more on YouTube: https://www.youtube.com/frugalfriends 📲 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 🎙️ Get full show notes and mentioned links here! https://bit.ly/ffpbabysteps See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

September 29, 202646 min

Halloween Overconsumption is OUT OF TOUCH

We love Halloween, but the endless stream of viral “must-haves” can make it feel like you need to spend more every October. In this episode, Jen and Jill explore how TikTok, social media, and influencer culture are fueling Halloween overconsumption, from trendy decorations to nostalgic must-haves. They also share how to enjoy Halloween, embrace the spooky season, and celebrate without letting unnecessary spending 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 👉🏼 Subscribe for more on YouTube: https://www.youtube.com/frugalfriends 📲 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 🎙️ Get full show notes and mentioned links here! https://bit.ly/realityofhalloween See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

September 25, 202635 min

What to Include in Your October Budget

A pumpkin one second, and then a cart full of candy, a bunch of costumes, and decors next. It’s quite hard to stop when you’ve reached a flow state in spending. But Jen and Jill are not here to cancel the fun. In this episode, they help to plan for the things you actually want to spend on so November doesn’t have to clean up October’s financial mess. 🥘 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 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 📲 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 🎙️ Get full show notes and mentioned links here! https://bit.ly/octoberbudgetkit See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

September 22, 202647 min

My Mom Lost Her House. This Could've Saved Her

Losing a home isn’t always one bad financial decision. Sometimes it’s about not having the resources, information, or support to know what to do next. In 2017, Jen’s mom lost the house Jen grew up in to foreclosure after eight years without making a mortgage payment. Today, Jen and Jill share what happened, what might have prevented the loss, and what every homeowner can do to protect their home. 🥘 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 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 📲 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 🎙️ Get full show notes and mentioned links here! https://bit.ly/ffphouseforclosure See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

September 18, 202646 min

7 Psychological Tricks Stores Use to Make You Overspend

It’s not you, it’s capitalism. When you start feeling like you have no control over what you spend, it’s easy to wonder if something is wrong with you. But the truth is, you’re not entirely to blame. In this episode, Jen and Jill break down the psychological tactics stores use to get you to spend more, how to recognize when they’re being used on you, and most importantly, how to avoid falling for them. 📲 Download our Spend Smart App: frugalfriendspodcast.com/app 🎙️ Get full show notes here! https://bit.ly/ffpstoretricks 📚 Our book: Buy What You Love Without Going Broke https://www.frugalfriendspodcast.com/order-buy-what-you-love-without-going-broke/ 💌 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/ 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

September 15, 202644 min

People Share How They Save Money on Utilities

A once-a-month bill can require major adjustments to the next month’s budget, especially with how much utility costs are rising these days. And we’re over artificial “hacks” that are really just designed to sell us another product. So in this episode, Jen and Jill turn to real people and share their best, practical ways to save on utilities. 📲 Download our Spend Smart App: frugalfriendspodcast.com/app 🎙️ Get full show notes here! https://bit.ly/ffpsaveonutilities 📚 Our book: Buy What You Love Without Going Broke https://www.frugalfriendspodcast.com/order-buy-what-you-love-without-going-broke/ 💌 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/ 👉🏼 Subscribe for more on YouTube https://www.youtube.com/frugalfriends 💃🏼 Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .