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BLPA - New Year - Same Ol' Sh*t From Us Brought to you by Bardownsportsco.com

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In this episode, Krista & Sarah have a diverse range of travel tips and advice that will enhance your next trip. They'll explore various aspects of travel, from selecting the perfect destination to capturing unforgettable memories along the way. The journey begins with the exciting process of choosing your travel destination. They will discuss factors to consider, such as your budget, interests, and the company of fellow travelers. You'll also hear about some fantastic travel websites where you can find inspiration for your next adventure. Once you've decided on your destination, it's time to dive into the planning phase. Krista & Sarah emphasize the importance of careful planning, including creating a flexible itinerary and thoroughly researching activities, attractions, and local culture. For those seeking inspiration, we recommend some travel resources and blogs. Money management is crucial while traveling, and Krista & Sarah provide valuable insights into budgeting strategies for various types of travelers. Discover tips for saving money on the road and making the most of travel rewards and deals. They will also share some clever hacks to keep your finances in check, such as booking accommodations that include breakfast and pre-arranging transportation from destination airports. Packing efficiently can make your journey much smoother. They offer a checklist of essential items to pack and discuss strategies for maximizing your luggage space. You'll learn packing tips such as using zippered pillowcases, packing cubes, minimizing shoes to save weight and space, and having a change of clothes in your carry-on. Where you stay can significantly impact your travel experience. Different types of accommodations are explored, from hotels to hostels and Airbnb. You'll gain insights into booking accommodations wisely and reading reviews effectively. They will also discuss the advantages of staying in centrally located accommodations. Language barriers can be a challenge, but Krista & Sarah have strategies to help you bridge the gap. Discover the importance of learning basic local phrases, explore methods for overcoming language barriers, and learn about helpful translation apps and offline maps. As your journey unfolds, explore the art of documenting your trip. Learn about the significance of capturing memories through photography and other creative means. It is encouraged to embrace new travel experiences and make the most of your journeys. 00:35 - Topic Introduced, Travel Prep! 01:18 - When Was The Last Time You Traveled?  02:30 - Where Should You Travel To & Finding The Best Deal 06:59 - Direct Flight vs. Layovers   09:19 - Who Books Vacations and Airport Dad  10:38 - Websites to Book Travel and Tips to Get Cheaper Flights  16:32 - Booked Your Flight, Then What Do You Do? 20:40 - Travel Blogs to Check Out and Loyalty Points  24:13 - When Do You Pack For Your Trip?  29:50 - Packing Tips 36:14 - Airplane Essentials  37:55 - Do You Go Find Your Gate First Too?  41:41 - Anxiety At The Airport and Flying  44:51 - Longest Flight Ever  47:37 - Travel Stats, Recap and Wrap Up Thanks for being a listener! Hit the Follow button so that you never miss a new episode. Please leave us a rating if you liked what you heard! Also, follow us on all the socials so we can stay in touch! ⁠Twitter⁠⁠ Facebook ⁠⁠Instagram⁠⁠ TikTok⁠⁠ - Youtube⁠ Check us out on our website ⁠here⁠. --- Send in a voice message: https://podcasters.spotify.com/pod/show/havewetalkedaboutpodcast/message

Ray and JRich break down what you need to know from all of Sunday's action in Week 1 of the 2023 NFL season. Catch up on each game's biggest takeaways from the season's first week. We dive into the biggest stories, breaking news, and the top performers across the NFL. We saw a phenomenal performance from the Miami Dolphins in a huge win on the road behind their star QB Tua Tagovailoa and WR Tyreek Hill. We saw the dominance of the San Fransisco 49ers on display in Pittsburgh as Brandon Aiyuk had a huge day, going over 100 yards and scoring 2 TDs. Then to cap the night, the dominance of the Dallas Cowboys defense was on full display as they imposed their will all night led by their star LB Micah Parsons. Whether you're a dedicated football fan or new to the sport, 'Wake Up with Ray G' is your ultimate source for all things NFL Preseason. Expect the latest updates, informed analysis, and engaging discussions that capture the heart of football. Subscribe now and elevate your NFL knowledge! For ALL of our picks, Bets, from us and other sharp cappers. Head on over to Dubclub and sign up for our Premium Package $10 off for the first month! Sign Up

What You Need to Know is live not by the left's lies! It's time to no longer passively allow the left to inch our culture further toward destruction. We must be bold and courageous and call out the destruction of truth for what it is! It's time to heed the the words of Soviet dissident Aleksandr Solzhenitsyn and live not by lies! Take a look at his essay here, and check out a book of the same name by conservative writer Rod Dreher. Dr. Ted Malloch, business man, author, and prolific writer, talks about his latest column Beyond Woke Banks Go Broke. There's much more sinister happenings behind these bank collapses like SVB and Signature. Dive into woke management, federal regulation and interest rates, and the selfish, unethical leadership of the woke world of finance. Find all of Ted Malloch's writings at OANN and American Greatness.  John Schlafly, co-author of the Schlafly Report column, talks about this week's report: Investigate the Investigators. Our Constitution provides ample remedies for the problems facing our Nation, John says. Time for Congress to act now! Read all of John and Andy Schlafly's columns at PhyllisSchlafly.com.  Wrap Up: Thanks to all and visit ProAmericaReport.com.See omnystudio.com/listener for privacy information.

A short thank you and Happy New Year to my almost 40,000 new followers and subscribers!Meet my magic mortgage team: https://mhwc.co.uk/mortgageAll my other links:https://linktr.ee/movinghomewithcharlieSupport the showFollow me on Twitter for daily updates: https://twitter.com/moving_charlie Check out our national property listings on bestagent.co.uk if you're looking for a new home or need an agent to sell or let your existing home. If you need a mortgage, talk to my hand picked, trusted mortgage team here: https://mhwc.co.uk/mortgageAll my other links: https://linktr.ee/movinghomewithcharlieFor my estate agency podcasts, visit https://linktr.ee/bestagentIf you're an estate agent, make sure you're getting your free telephone leads as well as viewing and vendor leads by joining https://bestagent.co.uk/agents

Connect with Contributors:Dr. Leslie Car: lesliecarr.com

Do you enjoy traveling AND cutting expenses? Then travel hacking is for you! In this episode we take a beginners look at how we can utilize loyalties and credit cards to score free hotels, flights, and more. Sponsors: Building Your Credit. Travel hacking is super fun but you need a credit score of at least 700 to get started. If you’re not there yet, work on building your credit. Paying off debt is a great way to do that. You can also get a credit card with no annual fee that you keep forever to increase your credit history or if your credit is fair try a secured credit card. A great credit card comparison tool is Credible you can input your credit score, what kind of card you want and boom, there’s the card that’s right for you. And best of all, when you sign up for a card using our link, frugalfriendspodcast.com/credible you support the show.Hacks: working smarter not harderOther episodes on travel:Ep 71 Travel Hacking w/ Lee HuffmanEp 119 Frugal Travel w/ Danielle DesirNotable Notes -What the Internet has to say:This article from millenial money walks us through some simple strategies for travel hacking and how to work your way towards your first free trip!What Jen + Jill have to say: Simply put; travel hacking is using rewards to book flights/hotelsOne step is to become loyal and repeat customer with the companies that you love. You won’t get much out of having a few hundred points or miles banked with a bunch of different hotels or airline carriers.Find a good credit card or airline carrier and look for additional perks like:Priority boardingAirline creditsCredits for Uber or LyftNo foreign transaction feesAccess to airline loungesApplication fee credits for TSA Pre✓® or Global EntryTravel insuranceMore from the Internet:This article from Modern Frugality (our very own Jen Smith!) outlines how to find the best credit cards for travel rewards in 2021.More from Jen + Jill:The first 4 cards:Chase Sapphire Preferred: excellent travel rewards - the gold standard in credit card's for travel Capitol One Venture: offers excellent cash back (that you can use towards travel ;))Chase Ink Business Preferred: great if you're about to make big purchases; can earn a lot of points towards travel up frontSouthwest: can earn companion passBILL OF THE WEEK - Thank you Megan from Atlanta for sharing about your student loan bill being paid in full - this is EPIC!!If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning RoundTravel hack you’re most proud ofJen- all inclusive in MexicoJill - consistent free hotels, car rentals and flights! AND having travel insurance for the disaster that happened in Washington state (stranded with flat tires!)Wrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook!Thanks for listening! See you next week!

Food is often our biggest area of budget busts! The solution begins with our meal planning and how we go about grocery shopping. On this episode Ashtin gives us some simple and attainable tips for how we can meal plan effectively and save money on our groceries each week. Sponsors:  Meal planning services: They are a great way to break up the meal planning monotony. And you don’t need to rely completely on using a service long term vs doing your own meal planning. Meal planning services have quarterly memberships that are the perfect way to give yourself a break when you need it or save yourself money when you don’t Free trial: They are so great right? As long as you remember to cancel before your card gets charged but even if you don’t they’re usually still very nice about refunding you when you ask. I know dis. So here’s one for you to try. EMeals. eMeals is a meal planning service we haven’t talked much about but a lot of you guys use it and love them and they have a free trial so head to https://www.frugalfriendspodcast.com/emeals to get 14 days of meal planning for free and if you decide to get a subscription your purchase will support the show at no extra cost to you. Check out these episodes for more on meal planning: Ep 16 Meal Planning and Prep Tips (https://www.frugalfriendspodcast.com/episode-16-meal-planning-and-prep/) Ep 79 The Frugal Friends Food Blog Awards (https://www.frugalfriendspodcast.com/episode-79-our-favorite-frugal-recipes-food-blogs/) Notable Notes: We enjoyed asking Ashtin all her tips: Tell us about yourself and how you got into meal planning?  Love budget lifestyle Started a blog (budget fashion, home reno, food planning) You do custom meal planning, what are some tips you’d give a client whose main goal is to reduce their spending on food? HAVE A PLAN - don’t go to grocery store blindly Do prep work before going to store Use search terms ‘budget meal ideas’ + ‘affordable week night ideas’ Narrow down ingredients you will eat during the week 2 proteins 3-4 veggies What are some of your go-to ways to reduce your food waste? Know what you most time sensitive ingredients are and use them first Organize pantry and fridge - take inventory weekly When in doubt just freeze it For those of us who don’t like cooking, what are some tips to follow through with our meal plan? Limited effort recipes Search simple, easy, fast when looking for recipes Crock-pot, sheet pan (10min meals, 1 pot dinners) How long does it take to meal plan? 20-30min to meal plan per week Monthly calendar template Routine hacks: meatless Monday, creative Wednesday, Taco Tuesday, easy Thursday, Saturday celebrate (something tasty) BILL OF THE WEEK -  Thank you Ashtin for sharing your bill about lowering your electric bill by minimizing window drafts If you want to submit your bill of the week visithttps://www.frugalfriendspodcast.com/bill to leave us a bill Sponsor: LISTENABLE - A learning platform with thousands of audio lessons created by world-class experts in communication skills, career skills, personal development, relationships, productivity, and more. Get 50% off a year of unlimited access to over 3,000 original audio lessons on Listenable by going to https://www.frugalfriendspodcast.com/listenable and use the code FRUGAL at checkout. Lightning Round Current fav freezer meal Ashtin- sweet potato black bean soup; served with cheese quesadilla (white potatoes don’t freeze as well) Jill- frozen fruit; breaded chicken cutlets Jen- jambalaya, indian food (curry, chicken tikka masala - use frozen meat in these ‘casserole’ type dishes) Get more from Ashtin at: Ashtincope.com (https:www.ashtincope.com) Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook! Thanks for listening! See you next week!

Simplifying and minimizing never go out of style! Listen in as we chat about the KonMari method, what we like, and the freedom we can find in identifying our own version of frugality and minimalism.  Sponsors:  Meal Planning Services: They are salvation when your brain just can’t decide what to eat anymore. We recommend Cook Smarts. It has three dietary options: traditional, paleo, and vegetarian, an amazing variety of recipes and the best quality recipes of the meal planning services we’ve tried. If you want to try Cook Smarts for 30 free head to https://www.frugalfriendspodcast.com/cs to get some meal planning help this week! Timeless: Those items that never go out of style and supercede the ‘trends’; somehow bell-bottoms and belly shirts seem to be falling into this category, but we say frugality and minimalism are the real champs. Timeless: when you don’t need to look at the clock to know if somethings great. Notable Notes: We are pleased to bring you an oldie but a goodie as we play episode 37, all about the KonMari method, the pros, the cons and how to make minimalism work for us! For more episodes on minimalism check out: Episode 22- Interview With Cait Flanders, Author of The Year of Less (https://www.frugalfriendspodcast.com/episode-22-the-life-changing-magic-of-a-shopping-ban-with-cait-flanders/) Episode 32- Interview With Joshua Becker, Author of The More of Less (https://www.frugalfriendspodcast.com/episode-32-minimalism-with-joshua-becker/) Episode 59- Interview With Courtney Carver, Author of Project 333 (https://www.frugalfriendspodcast.com/episode-59-creating-soulful-simplicity-in-your-life-with-courtney-carver/) Episode 144- Creative Ways to Declutter (https://www.frugalfriendspodcast.com/creative-ways-to-declutter-ep144/) Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook! Thanks for listening! See you next week!

There's many ways to approach budgeting, and finding a way that works for us that is also simple is our aim! We're revisiting a previous favorite episode to explore some minimal budgeting approaches - listen in! Sponsors:  Frugal Friends Workbook. If you want to do better with your finances this year but you already know you’re not going to turn your life upside down to do it then check out The Frugal Friends Workbook. It’s a digital workbook with 6 week-long challenges that turn improving your finances into a game. In addition to the challenges you’ll get 60 pages of teaching and implementation guidance and while it can be completed on your own, it’s created to be gone through in pairs or small groups that’s why every purchase comes with two downloads. Head to Frugalfriendspodcast.com/workbook to learn more and use the code TACOBELL (all one word) to get $10 off the regular price. No-spend challenges! I have a best-selling book on Amazon titled The No-Spend Challenge Guide and before frugal Friends that was the thing that I was known for. So to say I am a fan of what a no-spend challenge can do for your saving and spending is a massive understatement. I am obsessed. A no-spend challenge is a block of time that forces you to step back from the money routines and habits your brain has been falling back on and gives you the opportunity to make changes. You will hate it. It will be the worst but you will learn so much about yourself and your spending. And over at Modern Frugality I am hosting a free live 7-day no-spend challenge where you will get trainings, insights, and accountability for seven days straight. It starts TODAY Jan, 1 And you can join anytime over the 7-days and get access to everything in the group so come join us modernfrugality.com/challenge and I will see you there. Notable Notes: What the Internet has to say: This article from Savvy Savers Academy (https://www.savvysaversacademy.com/budgets-freedom/) lays the foundation for 'why' having a budget is a good thing. Most of us are on board with budgets being helpful - but this is a helpful argument in case you need a reminder ;) What Jen and Jill have to say: We agree with the point that budgets are glorified 'plans' for our money. Follow through can be difficult, but we have found that when we're not planning we actually have anxiety about spending on anything, even things we need! Budgeting gives you a peace of mind on current spending and future living A good way to start is to track your spending try mint (https://www.mint.com/) A budget gives control and freedom to spend More from the Internet: This article from Student Loan Hero (https://studentloanhero.com/featured/simple-budgeting-methods-for-financial-health/) outlines 5 different budgeting methods and how to incorporate them into your financial planning. More from Jen and Jill Jen uses a zero based or pay-yourself-first method so they can put the highest percentage possible to debt and savings Jen likes the idea of the envelope system and it works great for people like Allison of Inspired Budget (https://inspiredbudget.com/) who we had on the podcast (Episode 18), but it’s not for her Here are the different budgeting methods: Zero-based Pay-self first Envelope system 50/30/20 No budget BILL OF THE WEEK -  Thank you Jocelyn for your bill! We appreciate our long time listeners - and we enjoyed the movie reference! If you want to submit your bill of the week visit http://frugalfriendspodcast.com/bill to leave us a bill Ways to Stick to Your Budget - Tips from the Frugal Friends Community (https://www.facebook.com/groups/frugalfriendspodcast/) ! Sage gets paid the first of the month and will pay all her bills and debt right away then spend whatever’s left. And the key to her success in that is leaving her credit cards at home! Amia plans out the whole month in advance but gets paid bi-weekly so she sets her bills to come out on each of her paydays. And she also keeps the last credit card she hasn’t cut up at home. Christine uses two checking accounts so all of her monthly bills come out of one and she uses the other for spending. This is good if you don’t have the option of paying everything on 1 or 2 particular days. Juvy uses the Mint app to track her budget because she gets notifications when she’s nearing her limit. Apps are a great way to bring your budget with you. I also like HoneyFi it’s a similar budgeting app for couples. Whitney uses EveryDollar and Ashley uses YNAB, all can be configured with the zero-based budget. Sue reminds us to prioritize sinking funds in our budgets so we’re not surprised by those often forgettable or unpredictable annual or biannual expenses. Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook! Thanks for listening! See you next week!

It's the Frugal Friends Holiday Special! We are thrilled to release this episode Christmas day 2020 and there's no better way to celebrate than by sharing YOUR best frugal tips. Listen in as callers share their favorite ways to practice frugality. Sponsors: Not suing us: Because we don’t want to be sued. Notable Notes: A big thank you to all who called in and shared some great frugal tips! Here's the compilation of money saving ideas: -Kathy in Virginia: Shopping for groceries at Aldi, saved $100 per week! -Mackenzie: move to reusable instead disposable - swap here and there if not able to make changes 100% -Patty in Alberta Canada: Don’t go shopping! Not using shopping as entertainment can save loads of money!  -Colleen: be prepared! Check your bag before leaving the house, make a list! Save yourself from last minute purchases! -Kathryn from Arkansas: watching others declutter on youtube has provided motivation to do this herself! AND they used a balance transfer credit card to pay off debt in 21 months -Natalie from Nova Scotia: found $40,000 in grandmothers name - heard the tip on our money hacks episode! Bill of the Week - Our Frugal Friends bill to purchase balloons to celebrate 1 million downloads of this podcast is our favorite bill this week! If you want to submit your bill of the week visit https://www.frugalfriendspodcast.com/billto leave us a bill This bill is sponsored by Green Chef - a meal kit delivery service that is a USDA certified organic company with recipes for Paleo, Keto, and Plant-Powered diet all including a variety of organic ingredients. Go to GreenChef.com/frugal80 (https://www.greenchef.com/frugal80) and use code frugal80 for $80 off and free shipping. Lightning Round TOP 10 EPISODEs OF 2020: -Personal Finance Basics (https://www.frugalfriendspodcast.com/personal-finance-basics-ep-120/) -Money Hacks w/Lisa Rowen (https://www.frugalfriendspodcast.com/frugal-living-hacks-w-lisa-rowan-ep-125/) -How a No Spend Month Can Help Your Finances (https://www.frugalfriendspodcast.com/how-a-no-spend-month-can-help-your-finances-ep-127/) -How to make budgeting work for you w/Rachel Cruze (https://www.frugalfriendspodcast.com/ep-116-how-to-make-budgeting-work-for-you-w-rachel-cruze/) -Why you need a budget w/Jesse Mecham (https://www.frugalfriendspodcast.com/why-you-need-a-budget-w-jesse-mecham-ep131/) -Reducing Food Waster w/Debt Kickin Mom (https://www.frugalfriendspodcast.com/episode-92-reducing-food-waste-w-debt-kickin-mom/) -Frugal Self Care (https://www.frugalfriendspodcast.com/episode-93-frugal-self-care-finding-peace-without-breaking-your-budget/) -How to Transition from Spender to Saver (https://www.frugalfriendspodcast.com/episode-96-how-to-transition-from-spender-to-saver/) -Tips for Creating a Capsule Wardrobe (https://www.frugalfriendspodcast.com/tips-for-creating-a-capsule-wardrobe-ep-118/) -How to Cut Back on Emotional Spending w/Leslie Tain (https://podcasts.apple.com/us/podcast/how-to-cut-back-on-emotional-spending-with-leslie-tayne/id1374910857?i=1000493320232) Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook! Thanks for listening! See you next week!

A brief tangent on the real meaning of the podcast, what's in store after the new year, and where to submit requests for any future episodes.

Perspective and our own internal narrative represents one of our biggest barriers to achieving financial goals. On this episode we are exploring some of the most common limiting beliefs and how to shift our mindset and thought patterns to see real progress along our frugal journey. Sponsors:  Frugal Friends Workbook. (https://www.frugalfriendspodcast.com/workbook) If you’re starting to think about how you’re going to do better with your finances in the new year but you already know you’re not going to make acomplete 180 degree life change then check out The Frugal Friends Workbook. It’s a digital workbook with 6 week-long challenges that turn improving your finances into a game. In addition to the challenges you’ll get 60 pages of teaching and implementation guidance and while it can be completed on your own, it’s created to be gone through in pairs or small groups that’s why every purchase comes with two downloads. Head to Frugalfriendspodcast.com/workbook (https://www.frugalfriendspodcast.com/workbook) to learn more and use the code TACOBELL (all one word) to get $10 off the regular price. Childhood. Ah that nostalgic period where you may have had to make your bed but you didn’t have to pay bills. Your childhood wants you to know that you may be an adult but it’s still around. Creepin in the crevices of your brain, waiting until an Nsync song comes on the radio or you see 90’s fashion come back in style. Everything else was a dumpster fire this year why not fashion too? Like fashion, you may have thought you had good ideas at the time but learned later that you were wrong. So let your childhood remind you that thoughts are flexible and you can change them at anytime. Childhood, the things you thought when you were 7, 17, or even 27 may not be accurate today.    Notable Notes: What the Internet has to say: This article from Business Insider (https://www.businessinsider.com/personal-finance/12-negative-thoughts-about-money-2014-4) provides us with a list of common negative thoughts about money.  What Jen + Jill have to say: 1. “I don’t make enough to save’ 5. ‘I will never pay off my school loans’ 6 - i will never make as much as ‘so-and-ao’ 7. I will only make so much money in my field 10. Money is bad 11- not checking credit card/budget because I don’t want to know 12. i’ve made too many money mistakes to ever recover More from the Internet: This article from Psychology Today (https://www.psychologytoday.com/us/blog/focus-forgiveness/201311/4-steps-release-limiting-beliefs-learned-childhood) provides us with a few simple steps to identify and step out of limiting beliefs. More from Jen + Jill: List of common cognitive distortions at Psych Central (http://Cognitive distortions https://psychcentral.com/lib/15-common-cognitive-distortions/) 1. Identify and write out what your limiting belief or cognitive is 2. Acknowledge that the limiting belief is not truth 3. Try out a different belief by replacing the limiting belief with something more beneficial and helpful 4. Choose a different action associated with the new thought BILL OF THE WEEK - Thank you Allison for sharing your bill about non-routine expenses and how you save for it monthly If you want to submit your bill of the week visit https://www.frugalfriendspodcast.com/billto leave us a bill This bill is sponsored by FundRise - An investing platform that makes investing in high-quality, high-potential real estate as easy as investing in mutual funds. Their team of real estate professionals carefully vets and actively manages all of their real estate projects. And makes it easy to track your portfolio’s performance and watch as properties across the country are acquired, improved, and operated via asset updates. So if you want to add real estate to your portfolio visit https://www.fundrise.com/frugal to get your first NINETY days of advisory fees waived and start building your better portfolio with Fundrise today! Lightning Round Our limiting beliefs and how we overcame/ are working on them Jill- ‘i’m poor’ - recognizing what real poverty is and looking at reality and where I want to be  Jen-  scarcity mindset. My worth is tied to my income. Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook! Thanks for listening! See you next week!

Tis the season for purchasing new TV's, phones, tablets, and more but buying new and impulsively can cost a lot of money! On this episode we're talking about what to buy, when to buy new, and tips for saving on electronics. Sponsors:  Debt Free Christmas Planner- If you have the best intentions about controlling your holiday spending but every year it feels like you forget something Jen has made a FREE Christmas planner to help you record every cost and stay on budget this holiday season. This planner will help you keep track of your spending on family traditions, recipes, dinners and parties, gifts and more to make sure you don’t miss anything. Then use the 2021 planning chart to make sure you’re on track to saving the right amount next year! If this sounds like something you need head to https://www.frugalfriendspodcast.com/holidayto get your free planner. Craigslist Posts: Before Facebook marketplace and eBay, there was Craigslist. Remember the free section, missed connections, buying and selling in sketchy places just to make or save a quick buck. Craigslist posts want you to remember where you came from. And yeah you may be able to rate buyers and sellers and stalk their Facebook profiles before you meet them now but where’s the adventure in that? Craigslist posts they’re still around, if you’re ever desperate. Check out more info about Black Friday deals with our episode about whether Black Friday actually save you money Ep 30 (https://www.frugalfriendspodcast.com/episode-30-black-friday-does-it-save-you-money/) Notable Notes: What the Internet has to say: This article from Take It Personel-ly (https://takeitpersonelly.com/2020/08/17/7-great-ways-to-save-money-on-electronics/) lists out 7 ways to save money on electronics What Jen + Jill have to say: “The best deals come when you have the time to do your homework” 1. Consider the time of year; best time to purchase electronics is the end of year and January 2. Purchase older versions 3. Shop around! 4. Consider what you really need 5. Trade in or sell old electronics Link to episode on selling electronics 6. Go middle of the road Check out www.wirecutter.com (http://www.wirecutter.com/) for middle of the road items 7. Ask for pricing discounts More from the Internet: This article from The Balance Everyday (http://6.%20go%20middle%20of%20the%20road%20check%20out%20www.wirecutter.com%20for%20middle%20of%20the%20road%20items/) provides us with helpful tips on what we need to look for when purchasing used electronics More from Jen + Jill: Research the model Look for external damage When possible, buy certified  Perform a test Test with your accessories Bonus: contact manufacturer to see if the serial number has been reported as stolen BILL OF THE WEEK - Thank you Johanna from Miami for sharing your bill about your $75 co-pay for ultrasound! What an incredible gift to 'meet' your unborn child! If you want to submit your bill of the week visit https://www.frugalfriendspodcast.com/billto leave us a bill Lightning Round Extensions to download to save you time and money Honey (https://www.joinhoney.com/) - you can track price history for up to 6 months and add an item to your Droplist and get a notification when the price drops to a certain price. It also tries coupons from all over the internet. On top of that, when you use honey you get gold points that you can redeem for gift cards and if you sign up through frugalfriendspodcast.com/honey you’ll get 500 bonus gold points which equals $5 toward a gift card! Paribus (https://paribus.co/) - tracks delivery and price drops at over a dozen stores but I use it for Amazon, Target, and Best Buy. and if it finds a price drop at the store you purchased or is delivered outside the delivery window the item at Paribus will contact the seller to file a claim and get you a price match or whatever money it can get you. Many retailers are extending their price match policies for the holidays and we all know how inconsistent package delivery can be so this is a great one to have. paribus.co Rakuten (https://www.rakuten.com/r/JILLIA4570?eeid=28187) - get cash back on you online purchases and if you’re not using it already you’ll get $10 bonus cash back after your first $25 purchase at a store that offers cash back when you sign up at frugalfriendspodcast.com/rakuten unroll.me (https://unroll.me/) - it rolls up all your promotion emails into one daily email that you can get in the morning, afternoon, or evening, your choice. I’ve used it for years, love it. It keeps my inbox cleaner so I can still be part of newsletters I want to be part of but I don’t have to look at them if I don’t want to and there will be a lot of promo emails going out through the end of the year. Don’t forget to visit https://www.frugalfriendspodcast.com/holiday to get your free Debt Free Christmas Planner so you can keep your holiday shopping on budget. Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a copy of the Frugal Friends Workbook! Thanks for listening! See you next week!

In this episode we share our minimalist approach to personal finance. This is certainly not comprehensive but if you’re just starting out these are the things to focus on before you get distracted by everything else in the personal finance ecosystem.  Sponsors:  The Frugal Friends Workbook! TODAY is the day folks! The day you’ve been waiting for! The Frugal Friends Workbook is officially available! The Frugal Friends Workbook is a digital download with 6 week-long challenges that will help you improve your spending, declutter your life, become a better negotiator, have more money conversations with the people in your life, and more. The workbook can be completed on your own but it’s created to be gone through in pairs or small groups. Don’t have a partner or small group? No worries! If you purchase the workbook during launch week you will get access to a 6-week Facebook group where you can find others who’ve purchased the workbook and form your own groups. Jill and I will also be available to answer questions and guide you. You have to purchase by August 14 to get that bonus. And the workbook is $34 but for this week only it’s $24 so head to Frugalfriendspodcast.com/workbook (https://www.frugalfriendspodcast.com/workbook) and join the fun! Being Kind. No further explanation needed. just thought we could all use a reminder. Being kind: minimal effort - great reward. ALSO sponsored by Grammerly (https://www.grammarly.com/frugal) ! A free Chrome extension that helps keep your writing grammatically correct and error free! We love using Grammarly Premium for its plagiarism detector and have found its other features to be very useful! Because Grammarly is a sponsor of the show you can get 20% off Grammarly Premium, which will 100% make you a better writer whether it’s for work or personal. Just go to Grammarly.com/frugal (https://www.grammarly.com/frugal) to get 20%. Notable Notes: Now let's get into it; on every 7th episode we replay one of our most popular episodes that’s at least a year old and because we’ve spent so much time the past few weeks working on something special for you (a.k.a. the workbook!!), today is one of those episodes! ENJOY! Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a $10 Amazon gift card! Thanks for listening! See you next week!

If you've ever been curious about what it would be like to pair down your clothing essentials, this one's for you! While there are all sorts of definitions and guidelines out there for how to achieve a 'capsule' or minimalist wardrobe, we are providing the foundational tips and principles to create a closet that is simple and beloved. Sponsors:  Jen- The Frugal Friends Workbook! We are so excited to share this with you in two short weeks! We’ve always worked to promote healthy conversations about money and those don’t have to start with telling people how much debt you have and what your 401k is invested in. So The Frugal Friends Workbook helps you do that with challenges and questions designed to help you open up about money but also change some habits. It launches August 7th and if you want that buy now button in your inbox on launch day go to https://www.frugalfriendspodcast.com/workbook. Jill- Less is more - when it comes to garlic knots, pasta, and doughnuts this couldn’t be further from the truth - BUT our sponsor wants us to know that sometimes having less of something provides space for more of something else - kinda like less complaining leads to more joy. Less is more - only true for some things in life. Notable Notes: What the Internet has to say: This article from Be More With Less (https://bemorewithless.com/how-to-build-a-capsule-wardrobe/) gives us 3 foundational tips for building our own capsule wardrobe. What Jen + Jill have to say: 1. See 2. Sort 3. Choose More from the Internet: This article from The Blissful Mind (https://theblissfulmind.com/capsule-wardrobe-basics/) provides us with a list of the top 10 capsule wardrobe essentials More from Jen + Jill: Choose a color palette. It's ok to like black/grey/white, but you can also make it colorful! We love their definition of a capsule wardrobe: "A small collection of useful clothing that you love” - now how great does that sound?! BILL OF THE WEEK -  This week's bill is brought to us by EveryPlate (https://www.everyplate.com) ; America's best value meal delivery kit! We tried it and agree that the food is fantastic, affordable, and super convenient! EveryPlate’s recipes come with everything already pre-measured so we don’t buy a whole bunch of stuff at the grocery store that will just go to waste. And every meal comes together in about 30 minutes – definitely faster than a trip to the grocery store or starting a meal from scratch. You can get 3 weeks of EveryPlate meals for only $2.99 per meal by going to EveryPlate.com (https://www.everyplate.com) and entering code FRUGAL3 at checkout.  Thank you so much Chanelle for submitting your bill of the week well done on negotiating your rent! We are amazed! If you want to submit your bill of the week visit https://www.frugalfriendspodcast.com/bill to leave us a bill Lightning Round What you always wear, what you never wear (but people say should be in a capsule) Jen- yes: athletic wear, no: heels, jewlery  Jill- yes: cardigan and scarf (doesnt matter the season); no: jewelry (sunglasses???) Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a $10 Amazon gift card! Thanks for listening! See you next week!

We are starting in on our summertime listener requests today with a show all about making the most of your outdoor space, no matter how big or small, as inexpensively as possible. Sponsors:  Listeners like you: We love you guys. You are the third most important reason we keep doing this podcast behind liking each other and the money. And if you would like to support the show head to FrugalFriendsPodcast.com/support to find free and inexpensive ways you can help us big time with little effort! Neighbor shame: Want to get your neighbor to mow their overgrown lawn? Send neighbor kids to knock on their door with a lawn mower various days throughout the week. The neighbor kids will either make some money mowing the lawn or the neighbor will eventually be shamed into doing it themself. Neighbor shame, if you care more about your neighborhood looking nice than actually being nice.  Notable Notes: What the Internet has to say: This article from Budget Dumpster (https://www.budgetdumpster.com/blog/backyard-landscaping-ideas-on-a-budget/) gives us some great ideas for making our yards look great on a budget What Jen + Jill have to say: Vertical Garden - consider this approach if short on space AND can be inexpensive to make if using recycled materials (i.e bottles, containers) Utilize Color - consider how you use paint; if you have ‘mismatched’ planters but prefer a more clean look - paint it! Look for plant swaps in your area Plant useful! FORM AND FUNCTION Rosemary - fleas+ticks Peppermint - ants, spiders mosquitoes Basil - mosquitoes + house flies Lavender (the cadillac of plants!)- moths, fleas, flies, mosquitos Ground cover - natural perennial ground cover (i.e. sedum, creeping periwinkle, violets, pansies, snow glories, moss flox) Incorporate inexpensive lighting, fire pit, seating Compost instead of mulch, free mulch from tree companies Save old tires from the dump More from the Internet: This article from An Oregon Cottage (https://anoregoncottage.com/gardening-to-save-money-10-high-yield-low-cost-plants-to-grow/) gives us a list of the top 10 plants to grow that give us a great return on our money More from Jen + Jill:  Herbs - easy to grow, not bothered by pests, grow in mediocre soil BASIL - freezes well, also PESTO! Squash - super high yield at peak (veggie noodles, breads, stir fry..) *important to pay attention to your climate and the varieties and types of fruits/veggies that can be grown in your area Lettuce and greens - hearty and fast grower Hot peppers - we love salsa! BILL OF THE WEEK - Thank you Amanda for sharing your utility bill that you dropped by $13 If you want to submit your bill of the week visit https://www.frugalfriendspodcast.com/bill to leave us a bill Lightning Round How we do/will maintain our lawns Jill Personally most concerned about decreasing maintenance - plan to have little to no grass in backyard Plant usefully - I like flowers, but I also REALLY like food - veggies will be priority Plan to live life outdoors quite often - creating oasis (with my own hands) will save money on labor and hopefully in other areas in the long run Propogate my own - from my own yard/garden AND others - considering this before I buy any plants! Jen- I kill everything so I don’t have a garden. We compost and use well water to water our lawn. Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a $10 Amazon gift card! Thanks for listening! See you next week!

Sponsors: YOUR AD HERE. As if it wasn’t hard enough to source our own sponsors, now the world has fallen apart and there are no ad budgets for podcasts. While we look for our next sponsor here’s how you can financially support us without giving us your money. 1st is to buy a discounted gift card from Raise. Raise sells gift cards at a discounted price to all kinds of places. Find a store you’d shop at anyways and you can save money right off the top by using a discounted gift card to purchase it! When you use our referral link: https://www.frugalfriendspodcast.com/raise you’ll get $5 to spend and we will too! Sign up for Rakuten and spend $25 at any online store they offer cash back at. Sign up at https://www.frugalfriendspodcast.com/rakuten and download the chrome extension to see every time Rakuten offers cash back at a store. When you spend $25 through rakuten you earn $10 CASH MONEY! So that’s one way you can help us without spending any money beyond what you’ve already budgeted for. Internal Locus of control: The psychological concept that refers to how strongly you believe you have control over the situations and experiences that affect your life. People with a strong internal locus of control have greater confidence in their ability to make change through their own actions and often have higher self-esteem. An internal locus of control, focus on what you can control and create your own path, don’t wait for others to create it for you. Notable Notes: We got to ask Merilee all of the questions! She shares more about their debt free journey and how they have made this process work for them. Questions When and how did your debt free journey start? Tell us about the ways you and your husband approach money differently, and what struggles have you faced during it? How are you modifying the baby steps and are you happy with those modifications? Merilee's modifactions: Still contributing to 401k Bought a house during baby step 2 Maintain a bigger emergency fund How do you stay motivated? BILL OF THE WEEK -  Thanks Merilee for sharing your favorite bill and your love for amazon prime!! (Here's the link to the Tinkle Razor for anyone interested ;)) If you want to submit your bill of the week visit http://frugalfriendspodcast.com/bill to leave us a bill  More from Merilee What are your recommendations for side hustles for stay at home moms? Nanny - find gigs where you can bring your own children or watch others’ children in your home Find stay at home work - such as appraisals Consider selling items on Etsy Ask around! Be creative! Tell us about your debt snowball calculator? Find Merilee's awesome creations HERE (https://www.etsy.com/listing/518381429/debt-snowball-calculator-automatically?ref=ss_listing) Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a $10 Amazon gift card! Thanks for listening! See you next week!

Sponsors:  YOUR AD HERE: As if it wasn’t hard enough to source our own sponsors, now the world has fallen apart and there are no ad budgets for podcasts. While we look for our next sponsor, here are 2 ways you can support us. 1st is to buy a discounted gift card from Raise. Raise sells gift cards at a discounted price to all kinds of places. Find a store you’d shop at anyways and you can save money right off the top by using a discounted gift card to purchase it! When you use our referral link:https://frugalfriendspodcast.com/raise you’ll get $5 to spend and we will too! 2nd is to sign up for Rakuten and spend $25 at any online store they offer cash back at. Sign up at https://www.frugalfriendspodcast.com/rakuten and download the chrome extension to see every time Rakuten offers cash back at a store. Once you spend $25 you get a $10 bonus! Creativity: a little imagination and thinking outside the box goes a long way - this is true when it comes to caring for your kids for the 9,732nd day IN A ROW annnddd for paying off debt in seemingly impossible situations. Creativity: using our imagination to make debt disappear :) Notable Notes: We are so thrilled to ask Emma all the questions about how she paid off debt while living in an expensive area; here's some of our favorites: What was your debt, how much did you pay off and how long did it take you? Where were you living while paying it off and what unique challenges did you face because of the cost of living? What strategies did you use to overcome these challenges? Is there anything you’d do differently or advice you have for people currently in this? BILL OF THE WEEK - thanks Emma for sharing your bill - cousin Bill; not a fan of his picking on you, but so glad to know a guy named bill! If you want to submit your bill of the week visit https://www.frugalfriendspodcast.com/bill to leave us a bill Lightning Round Debt in the Time of Covid: How can people paying off debt pivot and still stay on track to reach their goals? Emma- assess safety of job and family’s position with money - stock money towards debt to high-yield savings Jen- mentality give self permission to slow down (you’re not a failure, circumstances may dictate) Jill- cut expenses, sell stuff, downsize (#tinyliving) Get more from Emma at her blog, Nurse Fern (https://nursefern.com/) Wrap-Up: Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com (mailto:frugalfriendspodcast@gmail.com) . AND share our most recent episode on social for a chance to win a $10 Amazon gift card! Thanks for listening! See you next week!

(00:00:00) Corona Catch up with Kyle on the phone and Kyle sang on WMMR (00:12:22) BEST OF: Action Park deaths conversation with Pilot Jay- Episode 26. ‘The Craziest story we’ve ever heard. My favorite conversation ever!’ - Tyler (00:26:50) Kyle started an Instagram page for cute pet photos. @Boop_du_jour - check it out! (00:31:00) BEST OF: Bean Boozled Challenge with Chef Ben - Episode 19 (00:41:57) BEST OF: Laura Hall - Pianist from ‘Whose Line Is It Anyway’ interviewed with us back in Episode 33! ‘One of by favorite interviews’ - Tyler (00:58:00) Wrap Up… Thanks for listening. NEW content hopefully coming soon. If YOU have a favorite segment you’d like to see featured on these ‘Best Of’ episodes let us know. Stay safe and stay happy! - Kyle and Tyler

Sponsors:Current: A mobile bank with an awesome user interface, no overdraft fees and no minimum balance requirements. If you’re looking for another bank account to hold your emergency fund or something big you’re saving for, try Current because we’re giving $10 to the first 10 people who sign up using our promo code FRUGALFRIENDS for each episode. Reruns: here to remind us of the days when we couldn’t actually choose what we watched. Before the days of netflix and hulu there was “basic cable” - come come, gather round the fire while I tell you about ancient days when a television (these were like phones, tablets, and laptops only with large protrusions off the back filled with stuff that can never be thrown away)...a television... had access to approximately 3 ‘channels’ with 1 show playing non-stop. The likelihood of seeing the same episode of the same show more than once was 2,000%. Oh it was fun and it was awful all at once, but we didn’t know any different - we called them reruns - and we ate our hot dogs and mac and cheese in blissful ignorance while the 5th airing of Family Matters ‘good cop, bad cop’ episode played. Reruns - it’s what’s about to happen to you, so grab a hot dog and settle in.Notable Notes:1: 4 Pillars - Categories to anticipate with Frugal Friends podcast episodesClothing/ShoppingBills/UtilitiesTransportationHousingWhat the internet has to say2: Frugalwoods ArticleMrs. Frugalwoods (a.k.a. Liz Thames) identifies 19 reasons why frugality is the best - and the frugal friends agree!What Jen and Jill have to say:Frugality helps you identify your true prioritiesFrugality builds communityFrugality means you'll never be boredFrugality leads to gratitude and joy3: Millennial Money ArticleGrant 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.What Jen and Jill have to say:Frugality is about spending wiselyFrugality is about the journey, not the destinationIt is never too late to 'course correct'4: BILL OF THE WEEK Introduction of the most anticipated, interactive segment!Leave us a voicemail with your BILL OF THE WEEK at frugalfriendspodcast.com/bill5: Tenets of Frugality The Law of Diminishing Returns (i.e. at some point you're wasting your time)Frugality allows you to discover what you truly value ( i.e. if frugality keeps you from what you love it’s cheapness)Frugality is good for the environment (i.e. you can’t buy your way to green)Frugality refines your taste and style (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 allows you more time to increase your income (i.e. the best way to not spend money is to spend time making it!)Frugality will not make you rich (i.e. sorry, not sorry)Wrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!

It's our most listener requested episode AND our 2 year podcast celebration! You all asked the questions, and Travis and Eric answered! It's certainly not 'content heavy' but it is fun!Sponsors: Empower: An awesome mobile app jam packed with features that make managing your money easier. With a high-yield checking account offering 1.6% APY, and direct access to their financial coaches; Empower is an obvious choice in mobile apps! For more info about Empower, visit: empower.me/FRUGAL and use offer code FRUGAL to get a $5 bonus when you reach your savings goalThe Better Half: In any whole - there is always a better half. This is true about sandwiches, bananas, shirts, and marriages. Today you will meet our better halves and then you will know the right way to eat a banana.Notable Notes:You asked, our husbands answered!Stacey- Our love stories & how we met?Mona: Do you feel accurately represented on the podcast?Jocelyn: We want to hear all about Eric’s cars+Travis’ amazing hair!ALSO, do you have any friends named bill?Who sings the BOTW song?? It’s so catchy!Leslie: How do you balance what you + your spouse think is important to spend $ on?Patricia: what’s the craziest thing you’ve done in the name of frugality?Virginia: what was the most challenging part of becoming frugal (or along the frugal journey?)Adrienne: Has your idea of style changed since being frugal?Jay: what financial goals to you have for yourselves?Caroline: how do you guys handle the fame of your wives?:)BILL OF THE WEEK - Thank you Travis and Eric for sharing your bills with us!If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning RoundBest Frugal TipsTravis - find someone who can align with financial approachEric - research your purchases; learn what something is worth and how to get good deals!Wrap Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!Thanks for listening! See you next week!

Sponsors: Empower: An awesome mobile app jam packed with features that make managing your money easier. With a high-yield checking account offering 1.6% APY, and direct access to their financial coaches; Empower is an obvious choice in mobile apps! For more info about Empower, visit: empower.me/FRUGAL and use offer code FRUGAL to get a $5 bonus when you reach your savings goalTight Squeeze: that feeling when you can barely make ends meet and you are wringing out that dollar for all it’s worth - sometimes our financial situation can feel like a tight squeeze; but our sponsor wants to remind us that this term can also refer to the best most warmest hug from our loved one. So when you’re looking at your budget wondering how you’re gonna pay your bills don’t think of it like a snake coiling around you causing anxiety and panic; think of it like a warm hug coming from your finances. Tight squeeze - when feeling constricted is a good thingNotable Notes:What the Internet has to say:This article from Investopedia highlights a few simple ways we can prepare for a financial crisisWhat Jen+Jill have to say:1. Maximize liquid cash2. Make a budget: know how much you have coming in/going out each month (helps ID how much you should have in emergency fund)3. Prepare to Minimize Your Monthly Bills5. Take stock of ‘non-cash’ assets and maximize value (i.e. utilize points, gift cards, extra food in house,8. Look for ways to earn extra cash10. Keep up with routine maintenanceMore from the Internet:This article from Very Well Mind gives tangible tips on ways to manage our stress and emotions during financially stressful timesMore from Jen+Jill:Remain calmAsk for help- friends and family, financial plannerReframe the situation - watch the internal narrative and find ways to shift perspectivePushing through the difficulty and identifying ‘kindness’ to invest emotional time and energy intoTake a break - strike the middle ground between ruminating/obsessing and abdicating/avoidingAsk for help- find a mental health professional, especially if your stress, overwhelm, or feelings of anxiety are inhibiting daily activitiesUse this code for a discount for online therapyBILL OF THE WEEK - Thank you Jess for saving us with your bill about ALL the Bill's who have contributed to making St. Pete Florida so great!If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a billLightning Round: What we’re doing to prepareJen- longer and simpler meal plansJill- NOT PANICKING!! cooking at home moreJen- taking extra workJill- re-evaluating budget; spending only on essentials - now’s not the time for extra luxuries :)Wrap-Up:Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to frugalfriendspodcast@gmail.com. AND share our most recent episode on social for a chance to win a $10 Amazon gift card!See ya next week!

This might shock you, but not everything you see in movies is real. There really is not a real life Infinity Gauntlet for you to snap your fingers with. But that doesn't mean movies have no themes and lessons that actually translate to the real world. Our guest today is Philosophy Professor Wayne Yuen of Ohlone College in Fremont, who has written many books about the various ethical lessons presented in movies. Today we talk with Professor Yuen about how movies and tv shows can teach us ethical real world lessons and consequences. Check out his works: https://www.goodreads.com/author/show/5391592.Wayne_Yuen 1:14 What has your attention 7:55 Origin Story 12:29 Philosophy in Middle Schools 15:31 The Internet and Information 20:10 Memorizing Info vs Using Critical Thinking 22:40 Ethics Course 25:34 Movies in the Course 27:51 Love of Mobsters 33:22 Books and Essays- the Walking Dead 34:50 Rick and Morty Philosophy 40:44 Wrap Up Thanks for listening! Listen to The Marc Guzman Experience on iTunes, iHeartRadio or Watch on Facebook or YouTube. Keeping It REALTY: https://www.youtube.com/channel/UCY8s3kxm3X9BySaKbd4S6Qg/featured FACEBOOK: http://www.facebook.com/MarcGuzmanHomes INSTAGRAM: http://www.instagram.com/MarcGuzmanHomes SNAPCHAT: http://www.snapchat.com/add/MarcGuzmanHomes TWITTER: http://www.twitter.com/MarcGuzmanHomes Company Website: http://www.BGAM.us Beer: http://www.eastbrotherbeer.com

Our guest is Jonathan DeYoe of DeYoe Wealth Management in Berkeley, California. A native of Grand Rapids, South Dakota, Jonathan moved to the Bay Area in 1994. After an interesting start to his career, Jonathan spent time working for Morgan Stanley, UBS PaineWebber and Salomon Smith Barney. In 2001, he founded DeYoe Wealth Management with the goal of holistic wealth management. Merging his independent financial advice with his own brand of top-notch customer care, Jonathon has built a firm with assets under management of over $250 Million. After this episode, be sure to check out his book, “Mindful Money: Simple Practices for Realizing Your Financial Goals and Increasing Your Happiness Dividend”. Available on Amazon.  Book: https://amzn.to/2MzL1wv Website: https://deyoewealthmanagement.com Contact: (510) 848-0012 2:16 Buddhist Studies and Financial Services 4:52 Holistic Wealth Management 6:35 Money First vs. Client First Focus 13:38 Self-Management Issues 16:59 Firm Focus- Active vs. Passive 22:00 Reviewing Financial Goals 24:06 Book 28:02 Financial Future 35:55 Wrap Up Thanks for listening! Listen to Money Managers on iTunes, iHeartRadio or Watch on Facebook or YouTube. FACEBOOK: http://www.facebook.com/MarcGuzmanHomes INSTAGRAM: http://www.instagram.com/MarcGuzmanHomes SNAPCHAT: http://www.snapchat.com/add/MarcGuzmanHomes TWITTER: http://www.twitter.com/MarcGuzmanHomes Company Website: http://www.BGAM.us Beer: http://www.eastbrotherbeer.com

If you tell someone that your job entails dancing with a pole for money, those people will probably draw up a few assumptions about what you do for a living. But pole dancing is quickly rising as a popular method of getting in shape. Our guests today are Amy Bond and Karri Mae Becker. Together they run Oakland Pole and Dance, an extension of San Francisco Pole and Dance, where anyone regardless of gender or sexuality can come and feel safe to express themselves and work their bodies. Beer: eastbrotherbeer.com/beers-1/ Oakland Pole and Dance: oaklandpoleanddance.com Address: 366A Grand Avenue Oakland, CA 94610 1:11 Getting Started 8:24 When Karri Got Involved 11:12 Location- Bay Area 15:42 Expanding Business 19:32 Staff 20:29 Future Plans 22:56 Oakland Pole and Dance 27:47 Creating a Community 32:57 Spin the Wheel (New Segment!) 37:14 Signing Up 40:04 Pole Dancing Beyond Strip Clubs 45:52 Guys Pole Dancing 47:43 Wrap Up Thanks for watching! Listen to The Marc Guzman Experience on iTunes, iHeartRadio or Watch on Facebook or YouTube. WEBSITE: http://www.MarcGuzman.com FACEBOOK: http://www.facebook.com/MarcGuzmanHomes INSTAGRAM: http://www.instagram.com/MarcGuzmanHomes SNAPCHAT: http://www.snapchat.com/add/MarcGuzmanHomes TWITTER: http://www.twitter.com/MarcGuzmanHomes Company Website: http://www.BGAM.us

It's becoming all too normal in the Bay Area lately: you look up, and instead of blue sky or fog, you see nothing but smoke. Governor Jerry Brown said the other day that massive wildfires and smoke filled skies are becoming the “new abnormal” here in California. The environmental impacts of these wildfires run deep, but they also could have a significant impact on housing here in the Bay Area. Today we welcome Colin Davies from Security Pacific to talk about how Bay Area housing is impacted by all the smoke. We also do a quick recap of the midterm elections impact on housing, and look back 10 years ago at a time when the country was in the middle of a massive recession.It's becoming all too normal in the Bay Area lately: you look up, and instead of blue sky or fog, you see nothing but smoke. Governor Jerry Brown said the other day that massive wildfires and smoke filled skies are becoming the “new abnormal” here in California. The environmental impacts of these wildfires run deep, but they also could have a significant impact on housing here in the Bay Area. Today we welcome Colin Davies from Security Pacific to talk about how Bay Area housing is impacted by all the smoke. We also do a quick recap of the midterm elections impact on housing, and look back 10 years ago at a time when the country was in the middle of a massive recession. Website: colindaviesrealty.com Phone: 510-435-3624 2:06 Getting Started 3:17 Wildfires impact on buyers and sellers 8:17 Air quality 11:13 Client thoughts 12:06 Adjustments realtors need to make 12:53 Changes to the housing market 18:39 Neighborhood market shifts and changing interest rates 31:06 Global real estate 44:03 Midterms impact on housing 55:07 Past episode/ Wrap Up Thanks for watching! Listen to The Marc Guzman Experience on iTunes, iHeartRadio or Watch on Facebook or YouTube. WEBSITE: http://www.MarcGuzman.comFACEBOOK: http://www.facebook.com/MarcGuzmanHomesINSTAGRAM:  http://www.instagram.com/MarcGuzmanHomesSNAPCHAT:  http://www.snapchat.com/add/MarcGuzmanHomesTWITTER:  http://www.twitter.com/MarcGuzmanHomes Company Website: http://www.BGAM.us

Show Notes January 19, 2018 EP 119 This week we welcome Bill Fisher of Quicksilver Software www.quicksilver.com and welcome back Jeff Lyons of www.jefflyonsbooks.com MC is adventuring but with us in spirit! This...is PlotPoints Podcast. 00:00:15 Intro (Theme from "Wolf Warrior 2") Mark 00:01:00 Table Talk Mark Sevi, Toby Wallwork, Bill Fisher, Jeff Lyons QUESTIONS?  COMMENTS? 919-Scripts www.ocscreenwriters.com 00:07:30 What Are We Watching?Mark Sevi, Toby Wallwork, Bill Fisher, Jeff Lyons #episodes #startrek #thegoodplace #wolfwarrior #jumanji #thor 00:17:00 What Are We Writing?All #millennialrewrite #chineseprojects #conceptsindev 00:21:00 Anatomy of A Premise LineJeff Lyons LINK TO JEFF'S BOOK 00:33:00 Surprising Movies That Made MoneyToby Wallwork #nightandday #lastairbender #thetourist #waterworld 00:46:00 Q&A Mark Sevi Propulsive Transitions?  Is that a thing? 00:54:00 Act III Inspiration, perspiration, and sometimes frustration.  Mark Sevi #flyingmonkeys #bobmiller #beinspireddogoodwork 00:60:00 Wrap Up - Thanks to Our Guests Bill Fisher, Jeff Lyons! Mark Sevi HEY! Tell us what is your favorite Scifi, Romantic Comedy or Comic Book movie? Call (919) Scripts and shout it out to us. Resources: 919-SCRIPTS to leave a message/ask questions. www.plotpoints.com (show blog and more) www.ocscreenwriters.com - by writers for writers. Be Inspired, Do Good Work! Writers Guild Registration – www.wgawregistry.org U.S. Copyright Office - www.copyright.gov Podcast available on iTunes All Material copyright (c) Mark Sevi  

Show Notes January 19, 2018 EP 119 This week we welcome Bill Fisher of Quicksilver Software www.quicksilver.com and welcome back Jeff Lyons of www.jefflyonsbooks.com MC is adventuring but with us in spirit! This...is PlotPoints Podcast. 00:00:15 Intro (Theme from "Wolf Warrior 2") Mark 00:01:00 Table Talk Mark Sevi, Toby Wallwork, Bill Fisher, Jeff Lyons QUESTIONS?  COMMENTS? 919-Scripts www.ocscreenwriters.com 00:07:30 What Are We Watching?Mark Sevi, Toby Wallwork, Bill Fisher, Jeff Lyons #episodes #startrek #thegoodplace #wolfwarrior #jumanji #thor 00:17:00 What Are We Writing?All #millennialrewrite #chineseprojects #conceptsindev 00:21:00 Anatomy of A Premise LineJeff Lyons LINK TO JEFF'S BOOK 00:33:00 Surprising Movies That Made MoneyToby Wallwork #nightandday #lastairbender #thetourist #waterworld 00:46:00 Q&A Mark Sevi Propulsive Transitions?  Is that a thing? 00:54:00 Act III Inspiration, perspiration, and sometimes frustration.  Mark Sevi #flyingmonkeys #bobmiller #beinspireddogoodwork 00:60:00 Wrap Up - Thanks to Our Guests Bill Fisher, Jeff Lyons! Mark Sevi HEY! Tell us what is your favorite Scifi, Romantic Comedy or Comic Book movie? Call (919) Scripts and shout it out to us. Resources: 919-SCRIPTS to leave a message/ask questions. www.plotpoints.com (show blog and more) www.ocscreenwriters.com - by writers for writers. Be Inspired, Do Good Work! Writers Guild Registration – www.wgawregistry.org U.S. Copyright Office - www.copyright.gov Podcast available on iTunes All Material copyright (c) Mark Sevi  

Show Notes December 31, 2017 EP 18 Our final 'cast of 2017!  Where did that time go?  Swooosh! This...is PlotPoints Podcast. This week we dive into Tina Fey's amazingly funny work.  Funny and more! 00:00:15 Intro (Theme from "30 Rock") MC 00:02:21 Table Talk Mark, Princess Van Kempen, and Toby "The Editor" Wallwork! Mark Sevi, Toby Wallwork, Mary Claire Anderson Van Kempen QUESTIONS?  COMMENTS? 919-Scripts www.ocscreenwriters.com 00:02:30 What Are We Watching?Mark Sevi, Toby Wallwork, Mary Claire Anderson Van Kempen #runaways #startrek #thegoodplace 00:05:28 What Are We Writing?#millennialrewrite #ideasgonebad 00:05:28 Reboot, remake, revival?Mark Sevi, Toby Wallwork, Mary Claire Anderson Van Kempen 00:17:35 FOCUS: SuperWriter, Producer, TINA FEY. Mark Sevi #30rock #meangirls #amypoehler #snl #saturdaynightlive #weekendupdate 00:36:00 Top Ten Bad Series Finales Mary Claire Anderson Van Kempen #friends #seinfeld #roseanne #startrekenterprise #howimetyourmother #dexter 00:53:00 Q&A - Questions, Questions, Questions Mark Sevi 00:54:00 Wrap Up - Thanks to Our Listeners! Mark Sevi HEY! Tell us what is your favorite Scifi, Romantic Comedy or Comic Book movie? Call (919) Scripts and shout it out to us. Resources: 919-SCRIPTS to leave a message/ask questions. www.plotpoints.com (show blog and more) www.ocscreenwriters.com - by writers for writers. Be Inspired, Do Good Work! Writers Guild Registration – www.wgawregistry.org U.S. Copyright Office - www.copyright.gov Podcast available on iTunes All Material copyright (c) Mark Sevi  

Show Notes December 31, 2017 EP 18 Our final 'cast of 2017!  Where did that time go?  Swooosh! This...is PlotPoints Podcast. This week we dive into Tina Fey's amazingly funny work.  Funny and more! 00:00:15 Intro (Theme from "30 Rock") MC 00:02:21 Table Talk Mark, Princess Van Kempen, and Toby "The Editor" Wallwork! Mark Sevi, Toby Wallwork, Mary Claire Anderson Van Kempen QUESTIONS?  COMMENTS? 919-Scripts www.ocscreenwriters.com 00:02:30 What Are We Watching?Mark Sevi, Toby Wallwork, Mary Claire Anderson Van Kempen #runaways #startrek #thegoodplace 00:05:28 What Are We Writing?#millennialrewrite #ideasgonebad 00:05:28 Reboot, remake, revival?Mark Sevi, Toby Wallwork, Mary Claire Anderson Van Kempen 00:17:35 FOCUS: SuperWriter, Producer, TINA FEY. Mark Sevi #30rock #meangirls #amypoehler #snl #saturdaynightlive #weekendupdate 00:36:00 Top Ten Bad Series Finales Mary Claire Anderson Van Kempen #friends #seinfeld #roseanne #startrekenterprise #howimetyourmother #dexter 00:53:00 Q&A - Questions, Questions, Questions Mark Sevi 00:54:00 Wrap Up - Thanks to Our Listeners! Mark Sevi HEY! Tell us what is your favorite Scifi, Romantic Comedy or Comic Book movie? Call (919) Scripts and shout it out to us. Resources: 919-SCRIPTS to leave a message/ask questions. www.plotpoints.com (show blog and more) www.ocscreenwriters.com - by writers for writers. Be Inspired, Do Good Work! Writers Guild Registration – www.wgawregistry.org U.S. Copyright Office - www.copyright.gov Podcast available on iTunes All Material copyright (c) Mark Sevi