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- [00:00]
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- [00:45]
Jill
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- [00:54]
Jen
Go to chime.com disclosures for details.
- [00:57]
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- [01:27]
Jen
DIY Financial Plan Part 1 Budget and Goal Planning. Welcome to the Frugal Friends podcast where you'll learn to save money, embrace simplicity
- [01:42]
Jill
and live a richer life. Here are your hosts, Jen and Jill.
- [01:49]
Jen
Hey Frugal Friends. I'm Jen.
- [01:51]
Jill
I'm Jill.
- [01:52]
Jen
And welcome to part one of our four part series on helping you make your own financial plan.
- [02:00]
Jill
There are a lot of financial goals out there that you can pursue and it can get really confusing to figure out how to pursue them simultaneously or to what extent or what should I be focusing on first?
- [02:13]
Jen
Yeah, a comprehensive financial plan is important for whatever phase of finances you are in and you can sometimes think, oh, I'm not, I don't make enough money to have a financial plan or I don't have enough invested. But it is all the more important to have one when you are just getting started with making money or if you are lower to mid income or just getting started with investing. And it can be helpful to have somebody on your Side who is a certified financial planner to help you, a neutral third party to help you get through all those feelings. But you don't necessarily need that when you are starting out. And so this is what this series is for, to help you do it on your own and to reveal the triggers, the red flags, to reveal the complexities that might be in your situation. So when they arise, you know, okay, now I'm ready to hire a financial planner.
- [03:15]
Jill
So over these next four 30 minute episodes, we are going to walk you through first, financial goals and budget planning. Then we're going to do an episode on debt and emergency planning. Our third episode's going to be on retirement planning and then finally, money saving systems. So make sure that you are subscribed to frugal friends on YouTube so you don't miss any of these episodes, especially in this series.
- [03:39]
Jen
Yes. And you may have noticed Jill said 30 minutes if you didn't already notice. These are going to be shorter episodes because we want you to be able to get through all four of them very quickly and if you're later listening to them, not to have to go through what probably three hours of content to get all of this information. We want to condense it. So it's really easy to get and target and pinpoint.
- [04:03]
Jill
And if you're listening to this while you're driving or you're folding laundry, don't fret because we are giving you a lot of information. A lot of it feels like I should be writing this down, but we are creating a free Google sheet that you can utilize to start your financial planning. So that's going to include everything that we're talking about. Go to frugalfriendspodcast.com plan to get that.
- [04:22]
Jen
Yes. And if at any time you're listening to any of these episodes and thinking, okay, actually I don't think I can do this on my own or I don't want to do this on my own. This does not sound fun. Then we've also linked a resource, frugalfriendspodcast.com CFP when you have decided you are ready to work with a certified financial planner, you can find everything we recommend and have to offer at that link, frugal friends podcast.com CFP so definitely check out both of those. So let's get started with part one, your financial goals and your budget. And in the CFP training program, we refer to this as kind of intaking all of the information. We are intaking all of you when we meet with a client. All of the quality and Quantity kind of information. So your goals, your health, how long, you know, your family history of living, like all the way down to the minutia. And then also all of the obvious information that you might get from normal YouTube videos. So like what's your income, what are you spending, what are your fixed, quasi fixed and discretionary expenses. All of that information to kind of come at this, okay, what are our financial goals and what are, what is our financial budget?
- [05:55]
Jill
So before we get into the math, we really want to understand where we've come from and where we're at mentally, even as it relates to our finances. A lot of us can have these money scripts that are deeply embedded in our experiences and that we are now carrying with us and affects the day to day decisions that we're deeply ingrained beliefs about money. And now it's what's driving your behaviors around spending and saving and understanding of wealth. And some of the money scripts that we've seen, there's four main ones. It's not an exhaustive list, but could help you to start to think about what might be my money script, what might be my partner's money script. Because understanding this and having language to put to it allows us to ask better questions. It allows us to make better plans, have less tensioned dialogue around money when we can understand where one another's coming from. So one of these might be you. There might be additional. But money avoidance, that can be the feeling that money has this negative connotation. It's better to just ignore it. I don't even want, I don't like to talk about money. Money is just kind of icky. I just want to avoid all of it altogether and live my life.
- [07:09]
Jen
Yeah. The next is money worship. Happiness is directly tied to how much money you have or how much of the appearance of wealth that you have.
- [07:21]
Jill
The third one is money vigilance. So this is saving to an insane extent. Wanting to almost like hoard monies, being very on top of every single penny. But it's robbing the joy of the resource that money is and brings a lot of guilt to spending.
- [07:38]
Jen
Yeah. And the last one is tied to money worship, but it's money status. And so that's really your self worth is tied to the appearance of perceived financial status. It's kind of like a sort of fake it till you make it. And so we all know people there are extremes of these money scripts, but we all know and have experience to some extent, maybe all of these, but tend to lean more towards one. I think I can kind of maybe guess where frugal friends listeners might tend to lean towards. But let us know in the comments if you see yourself identifying with one of these more than the other. Avoidance, Vigilance, Worship. Status. Because it's super important that we know these things about ourselves so that we can gather this qualitative and quantitative data about our money and really not deceive ourselves in the way that we are gathering the data. We all have these inherent biases, and these biases really do affect how we perceive our financial reality. And it's not. We're not. Our goal isn't to identify the biases and then just eliminate them. The goal is to identify them and just recognize and be honest with how they affect how we perceive money and how we are perceiving our financial planning. So that is super important to both know yours and if you're managing money with a partner, to know each other's so that you can communicate about money more efficiently and productively.
- [09:18]
Jill
A really critical first step before Getting into the Math don't jump to the math, please.
- [09:24]
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- [09:39]
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- [10:09]
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- [10:20]
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- [10:21]
Jen
thinking about where our family might be a year from now is a good reminder that protecting the people you love can't keep getting pushed off.
- [10:28]
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- [10:31]
Jen
actually be present this summer without the
- [10:33]
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- [10:34]
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- [10:51]
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- [10:59]
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- [11:17]
Jen
going to gather your numbers. Now we are going into a little bit of the math. So if you're already a budgeter, which I know a lot of our Frugal friends listeners are, but I know a lot of our Frugal friends listeners are not, I'm not. I am a natural planner, but I'm not a natural stick to the plan dash er. So I know some of you are with me. If you're already budgeted, this is going to be a super easy step. You'll fly right through. And if you are not, then you still need to stick with a step. Even if you think you're like, I'm not a budgeter. But I know, I know you probably don't unless you write it down. That's one of those biases that we need to understand about ourselves and know that we do need to write things down. So you want to come at this step like a researcher. The data is neutral. It does not say about a thing about who I am as a person or what my financial presence is or could be in the future. We are looking at this data neutrally, nonjudgmentally.
- [12:30]
Jill
We're not judging you for what all of these numbers are going to reveal. So please don't judge yourself, please. But we do need to gather it like we're gathering data. So here's all the info that we want you to compile. Income. This includes all sources of income. We're not just talking about your W2 job. This can be any side hustles that you may have, any alimony, child support, port, Social Security, just whatever money is coming in. We need to know what, what all of that is. Then we want to look at our recurring expenses. This is the, the bills, the mortgage, the rent, the money that is going out every month and kind of needs to go out every month. It's always happening. Your variable spending. You've heard us talk a ton about a 90 day transaction inventory. So this is where we've kind of learned what that variable spending is. If we've done that 90 day transaction inventory, you can at, if you've never done that before, then for this purposes you can look back at the last 60 to 90 days of what am I spending on miscellaneous clothing, food, that kind of thing. Then we want to gather all of our debts. What's the balances, what are the interest rates, what are the minimum payments, understand every aspect, important aspect of the debt that we carry and then we want to look at all assets. I think this is something that we as frugal people often are not looking at. It's like I understand my income and my expenses, but we haven't done this holistic kind of full picture of what in total is in my checking and savings accounts, what's in my retirement accounts. When's the last time you looked at that? Let's get a clear picture of it. Do I have anything in investments and if so, how much and what kind of investments are they in? And your home or car, these are also assets. Car is appreciating asset, but it is an asset. So compile all of these things together and like we said, we've got that Google sheet that you can have to be able to do this and not have to, you can follow along, not have to create this on your own.
- [14:34]
Jen
Yeah. What I use to compile all this is Monarch. You've heard us talk about it on the show before. You can get 50% off your first year of the basic Monarch plan at frugalfriendspodcast.com monarch. But it will compile all of this stuff. It makes a 90 day transaction inventory very easy because you can see everything. It kind of, you know, generically categorizes everything for you and then you can categorize it a little bit more thoroughly and based on kind of what your needs are. So I highly recommend that if you're not going to be working with a financial planner right now that has their own software to use a tool like Monarch so that you can be on top of everything. And this, this can sound very daunting, especially if money avoidance is one of those scripts that you struggle with. Again, we want to reiterate that this is data gathering. We cannot know where we're going, which is the goal of a financial plan. And there will be things that we need to incorporate into our budget that we're probably not spending on right now. We cannot know what those things are or where we're going or the capacity we have for them without having this foundation. And so that's why it's so important to look at all of this stuff neutrally and with honesty. And so there are right now some places that could already trigger wanting to meet with a financial planner. So if you have a complex income structure, so you're self employed, like that's your main job, not just your side hustle. You're self employed, you have a lot like multiple, multiple income streams, multiple multiple businesses or if you have a rental property. So even just like one or two properties could be really meaningful, especially when we start talking about taxes for that one.
- [16:34]
Jill
So once you've got all of this info and data collected, there is some math that you're going to do here. And a spreadsheet can make that easy. Monarch can help with that. Certainly a CFP of all of this is really daunting. But we want to find out what is our net worth and what is our cash flow. Net worth is really simple. At its core it's just assets minus liabilities and that's going to be our total net worth. For some of us it's going to be positive. For others of us it's going to maybe be negative. If we've got a lot more debt than we do assets, that is Okay.
- [17:11]
Jen
I don't really care about the net worth, honestly. Don't, don't, don't get caught up in it.
- [17:16]
Jill
Yes. But it's important to know again for making that plan, for understanding how are we going to shift the needle here. And I think for our more day to day, it's really important to understand what does our cash flow look like. Because if we've got negative cash flow, there are some immediate things that we need to be doing. If we are spending more than what we're bringing in, if we have positive cash flow, excellent. That gives us room to now be spending on some of the things that we're going to talk about in future episodes of what we might need to be adding into our financial plan and spending.
- [17:48]
Jen
Yeah. And if you have negative cash flow, well, you're in the right place because Frugal Friends podcast has a lot of episodes on how to curb your impulse spending and de influence you from over consumption. So it's, it's perfect.
- [18:03]
Jill
Okay, so finally. Not enough, John.
- [18:05]
Jen
Finally. We're nowhere near finally.
- [18:07]
Jill
I hate to break it to you, but next.
- [18:09]
Jen
But it will not be a painfully long experience. Trust us. And we're going to try to make it as fun and Enjoyable as possible.
- [18:16]
Jill
We are going to identify and prioritize goals informed by the data that we just gathered. So this is where we're going to zoom out and look at things that aren't specifically financially funded, but they do directly affect our finances. So you want to think through your and your family's health, health history, longevity, family circumstances, do you have any children with special needs? Are you taking care of parents? Do you have obligations to aging parents? What are your values? What are some of the things that you are unwilling to sacrifice right now versus oh, what could I give up for a longer term goal? All of this plays into what can we do and what do we want to do with our money? Where are we at right now? What's our current life season again?
- [19:07]
Jen
Coming back to some of that quantitative data, I we get asked a lot about like how much should I save for retirement? I think that's probably the number one question that people in our industry get asked and it's really an educated guess and the way we make educated guesses by being educated about ourselves. And so that's what we're doing here. So from there we set our goals. So what do I want to save for? How fast do I want to pay off my debt? How much do I need to retire based on all of these, you know, things that I've stated about my life, how do my savings goals align with my values? Are these things that I really want to be saving for or are they things that, that people around me have led me to believe that I should be saving for and when do I want to save for these things by? I know college is a big one that has, that is debatable. Some parents want to pay for their college and some parents do not want to pay for their kids college fund. So there is both sides. Neither is wrong. But you don't need to let other people make you think that you need to be saving for your kids college if that's maybe something that you want them to figure out on your own. So it's really thinking through what do I want for me and my family.
- [20:37]
Jill
And these are a lot of questions and not all of them need to lead to a goal for you. We're talking one to three financial goals that are gonna be a part of your financial plan right now. Financial plans get revisited. So this is the current financial plan. It can change, your goals can change. But for right now, what's one to three goals that you want to achieve? Write it down. It's so important that you write it down. Commit it to paper because that's one more step in keeping the ball rolling on implementing action towards those goals.
- [21:12]
Jen
Yeah, that's such an important point. You should be revisiting your financial plan annually or when a big life change happens, like you have a kid, there's a marriage or divorce or death in the family like this you will come back to once a year. It will be like a big money move that we talk about, you know, once a year in the friend letter. So and if you're not getting that frugalfriendspodcast.com right there, sign up for the friend letter. And we send out every week when we do our episodes about mindful spending impulse spending reacting to over consumption on the Internet. And then also at the end of every month we do the budget toolkit. So we help you figure out what to budget for, what to include or exclude from your budget for the following month. So we do try to help with this part as much as possible.
- [22:09]
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- [22:19]
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- [22:39]
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- [22:56]
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- [23:24]
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- [23:34]
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- [23:48]
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- [24:02]
Jill
Okay, finally, for this, this first step of our financial plan, we're going to be analyzing what you're already doing and determine what needs to change. So there probably are things that are working in what you're doing already. You've done your data gathering, your fact finding, you've set some goals. Now we look and see what's working to get me towards those goals and what might be inhibiting me from moving towards the things that I say that I want with my money and my life.
- [24:30]
Jen
Yeah, so, so this is where you look at what you currently have. You're looking at all of your assets and your savings and you're also looking at your spending, which is why a 90 day transaction inventory is also super important to do at this stage. So you're looking at not just what you have, but what your current actions and habits are and to see if it's getting you to where you want to go. You might internally think, oh, I spend too much. I feel guilty about not saving every penny. And in reality you have a very good income that supports meeting your goals with your level of spending. And it's just this internal guilt that's causing you to feel this way and not reality. So again, going back to the money scripts and figuring out how you feel about money, super important throughout this whole process. So you could be on the other side and say, okay, I have not looked at my money in a long time and I have finally looked at it and now I see that I am overspending every single month and it is not getting me to where I want to be. And okay, what are a couple changes I can make to get in the right direction.
- [25:51]
Jill
It could mean saving more, it could mean paying off debt faster, pursuing more income. That's an option. Sometimes that is the best next step is how do I increase my income, not just cut my spending. And if you are looking for some tips and insight on how to do any of those things, if you do see I need to cut some of my miscellaneous spending or I need to see how to. To make some more money. That's our entire Frugal Friends podcast backlog. So just literally search whatever you want, enjoy 660 episodes to dig through. And if all of this is sounding still a little overwhelming, you've done these steps maybe, and it still feels foggy. You're lacking clarity. You're still uncertain of, am I doing this right? Are these numbers correct? What would be a decent goal for me at this point? What could my money be capable of? This still could be an opportunity for you to seek out a certified financial planner. And this is the type of person that we have recommended the entire time that we have done Frugal Friends because they have a fiduciary responsibility to you. There are so many that you can find that you just pay a fee for their services. You're not handing over all of your cash. You don't have to. You could. And they're earning a percentage on it. You can just go to them, pay to ask questions, and that's it. That's the only obligation that happens there. But a CFP can help you to analyze whether your current course of action is maximizing your potential to meet your goals. They might be able to provide you with some of those course corrections. They're just a neutral third party that can normalize a lot of things. They've got a wealth of knowledge and of a lot, a lot of different fields to not just help you plan out your budget or pay down debt, but optimize taxes, make sure that you've got what you need for retirement, and just have some of that peace of mind. I know when, when we sold our house, one of the things that we talk about is if you come into a windfall of money, that could be a good time, that'd be a trigger for seeing a cfp. And thankfully, I've got a couple of friends who are certified financial planners. So I spoke with one of them who was willing to provide me some of that advice on a pro bono basis. But I remember he just helped us to bring clarity to what would be a good thing I had in my mind. I think this is a good idea. But I've never had to manage this amount of money before. And I just want to be sure, because a lot of times we can be our own worst financial planners. We can be really great for other people and tell them exactly what they should do. But then it comes to our own circumstances and we have our own cognitive distortions and biases, biases and money scripts that can get in the way. And so it was really helpful to hear from him. Okay, if this is what you want to do and this is the timeframe that you want to do it, then do this, this, and this over the next year and a half. Do this in six months, do this six months from there. And it just gave us such a clear pathway, peace of mind.
- [28:55]
Jen
Yeah. And it's definitely like there comes a, A, like a bridge when you cross it. There's. There's a season in your life where it's like, okay, I can do this on my own. Things are very simple. I'm early in my earning career. And then there comes a point where it's like, okay, I have gathered like a lot, like a mortgage, car loans, multiple retirement accounts, sometimes a windfall from selling a house. There comes a time where we've just acquired so many financial complexities that it really is good, even if you know a lot about finances, to employ somebody to help you with that.
- [29:40]
Jill
Because influencers are out here trying to give all the sensationalized tips, and it really just gets them more views and more money, but it might not help you. And so to not constantly feel like you're at the whim of what's the next, next big money move that some influencer is telling me is super important, but rather what's individualized to me, my goals, my circumstances, just to stay more grounded and not following whatever the next hot take is.
- [30:09]
Jen
Yeah. Instead of spending $3,000 on a personal finance course from a financial influencer, you can spend $3,000 to work with a financial advisor who will create a custom comprehensive plan for you. And that's why we have pursued becoming certified financial planners, because we just feel there's this disconnect between people on the Internet with financial education and what people really need, which is customized financial advice. Because it is becoming so easy to just turn on a camera and spew some information you got from ChatGPT and people listen. And so that is a big reason we are so passionate about certified financial planners. It's a big reason we're so passionate about financial plans in general. Because if you have a plan of your own that you know is tailored to you by you or in conjunction with a planner, then it is less likely you will be swayed by the next viral trend on social media or even in books. These help self help gurus get really famous on their podcast and they release books, and then somehow now they're giving financial education and selling protein and supplements,
- [31:35]
Jill
you know, like just whoever will give them money.
- [31:38]
Additional Ad Voice
Yeah.
- [31:39]
Jen
So it is super important. Important that you have your own North Star that you can refer back to so that you stay on a plan that is best for you. So yeah, Next up, we have part
- [31:54]
Jill
two, which is where we're going to be talking about strategizing your debt payoff plan and emergency savings plan. And don't forget that we do have that free Google sheet you can use to create your starter financial plan, frugalfriendspodcast.com and again, if all of this is still feeling really overwhelming, you want some guidance on how do I find that neutral third party certified financial planner. We've got some recommendations for you@frugalfriendspodcast.com CFP. We'd love to point you in the right direction, but stick around. Subscribe and we'll see you in part two.
- [32:27]
Jen
See you. Frugal Friends is produced by Eric Sirianni.
- [32:43]
Jill
Okay, know that you want to keep moving forward and you're not going to want any version of an after show. But I have to say this because our people need to know Eric made the call.
- [32:57]
Jen
Oh, did he talk about this already?
- [32:59]
Jill
No, he didn't even know he was making the call actually.
- [33:03]
Jen
But the call that makes it even
- [33:06]
Jill
more interesting, the call happened to him. So at time of recording, World cup is happening and Eric has been loving it. He loves to watch soccer and he realizes that he wants to be able to watch soccer wherever he and his phone are, not just at home. So we've got at.
- [33:25]
Jen
He's into soccer.
- [33:26]
Jill
Yeah, he loves it. So it's on constantly. He's probably watching it.
- [33:31]
Ad Voice 1
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- [33:31]
Jill
I don't know if the game is on. He's got it on for sure. And he's been want. So we have cable with our apartment. Like we get Internet and everything. And it's this group cable package. You can't opt out. It's dumb. Wish I could opt out because it makes Internet really expensive. But that's the setup. And with that, because we have cable, he's like, I should be able to watch this on my phone. I should be able to get access to it. But he couldn't because we don't actually pay the provider. The apartment complex does. But he's like, I'm gonna call the cable or Internet. That's the same provider. Cable and Internet provider. And see if there's a way for me to get this on my phone when I'm remote, when I'm at work and I can have this on my phone and be having my phone calls and email with people.
- [34:27]
Jen
So he girl I did that during the Olympics, so I'm not judging.
- [34:30]
Jill
Yeah. So the call was to how do I get access to this when I'm not in the apartment? Well, turns out we get tons of perks with the type of package that we have that our apartment complex never told us about.
- [34:50]
Additional Ad Voice
Whoa.
- [34:51]
Jill
So not only are we paying for cable, apparently with the package, we also get Disney Plus, Hulu Plus, A&E, Discovery Channel, literally, Peacock. Every HBO.
- [35:05]
Additional Ad Voice
What?
- [35:05]
Jill
Every streaming service, pretty much, except for Netflix. And it doesn't cost us a thing. They're like, you just now need a login, which you needed to have called us to be able to create your own login. So he did that. It was all able to connect to if we ever did have a previous account. Like right now we do have Peacock. I've been paying for Peacock, but we just, just input the information and now it's just taken over and now we're not paying for Peacock anymore. Plus we got all of these other things. So now all of our streaming services are quote unquote free. I mean, we're paying a lot for Internet and cable, but we were also paying for some of these streaming services because I just forget we have cable. I never watch cable. That's maybe my bad. But. But the apartment complex never told us. And he didn't even know that this was gonna be a thing. I'm partially sharing this just cause it's a win. But also, if we've got any listeners who apartment complex paying for community cable or wi fi, this might be the case. See if the provider gives you any additional perks.
- [36:09]
Jen
There you go. Do it.
- [36:10]
Jill
Yeah.
- [36:11]
Jen
Make the call, man.
- [36:14]
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