Tips to Succeed With Your Low-Buy Year and Combat Overconsumption!

Summary

Frugal Friends Podcast
Episode: Tips to Succeed With Your Low-Buy Year and Combat Overconsumption!
Release Date: March 25, 2025

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Introduction

In this episode of the Frugal Friends Podcast, hosts Jen Smith and Jill Sirianni delve into the concept of a low-buy year, offering practical strategies to help listeners gain control over their spending habits and combat the pervasive culture of overconsumption. Aimed at individuals striving to save money, adopt minimalism, pay off debt, or achieve financial independence, Jen and Jill provide insightful tips paired with engaging anecdotes to inspire a more mindful approach to spending.

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Understanding a Low-Buy Year

Jen opens the discussion by framing the low-buy year as a more attainable and sustainable alternative to the often-overwhelming idea of a no-buy year. She emphasizes that while a no-buy year might feel too restrictive, a low-buy year encourages under-consumption without complete deprivation.

Jen (03:23):
"A no buy year sounds pretty unrealistic, but I do really love the idea of a low buy year or just aiming at under consumption or the opposite of over consumption that we can be so sucked into when we're not thinking."

Jill adds that the low-buy year is about being mindful of where money is allocated, promoting intentional spending aligned with personal values.

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7 Low-Buy Year Tips for Maximum Success and Lasting Change

Drawing inspiration from an article on SimpleBalance.com, Jen and Jill carefully unpack seven actionable tips designed to help listeners successfully implement a low-buy year.

1. Find Your Reasoning

The first tip underscores the importance of defining a clear why behind undertaking a low-buy year. Understanding the motivation provides the necessary drive to maintain consistency over the entire year.

Jill (06:45):
"Anytime that you engage in something that is a bit of a challenge, we need to know why are we gonna do it?"

Jen shares an inspiring story of a friend who lost 85 pounds after a moment of realization about potential health issues, illustrating how a strong personal reason can sustain long-term commitment.

Jen (08:48):
"We have to have that diagnosis moment to give us the internal motivators to stick with it. And that is the why we are talking about next."

2. Think Ahead About What You Need to Buy This Year

Planning future purchases helps prevent impulse buying and ensures that necessary items are acquired at opportune times. Jen highlights the difference between reacting to needs and proactively planning for them.

Jen (11:15):
"Nine times out of ten you're going to be able to see it coming and you can prepare. So think ahead and, and think about, okay, what are these things like running shoes that I know I'm going to have to replace sometimes sometime this year."

Jill adds that anticipating needs allows for better budgeting and reduces the stress of last-minute purchases.

3. Decide on Your Personal Low-Buy Year Rules

Establishing personal spending rules tailored to one's lifestyle is crucial. Whether it's limiting discretionary purchases or prioritizing experiences over material goods, setting boundaries helps maintain financial discipline.

Jill (12:09):
"Considering your own lifestyle, the things that are important to you, like Jen said, will you replace things that break?"

Jen echoes the sentiment, emphasizing that these rules should reflect individual values and spending habits.

Jen (14:06):
"You decide in advance what are the parameters that you want to stick to... This could be a cool thing to do. It's going to feel really overwhelming if you don't have it tethered to anything."

4. Declutter Your Social Media

Social media can be a significant trigger for overspending. Jen and Jill advocate for recategorizing social media feeds to minimize exposure to content that encourages unnecessary purchases.

Jen (14:06):
"Recurate your social media. So any influencer whose main job is to get you to buy things, so fashion, skin care, all the little things, DIY crafts, all this stuff, take out that stuff and then you can slowly start to add new people in as you discover them."

Jill adds that this approach fosters a more supportive online environment aligned with frugal living goals.

Jill (15:54):
"Your social media can ebb and flow. You can decide what's gonna be important for me to be digesting and consuming when it comes to digital content right now."

5. Create Wish Lists

Maintaining a wish list for desired items allows for controlled desires without immediate gratification. Jen explains how this practice provides a safe outlet for spending impulses without actual expenditure.

Jill (20:03):
"Writing something down physically on a list like this can give you a bit of that dopamine release that we're looking for in the purchase, but without actually needing to spend the money."

Jen shares her method of filtering wish list items to seek cost-effective alternatives or wait for sales before making a purchase.

Jen (21:45):
"I save a lot more money by not impulse buying, just random things on sale and not using them because they're not as good as the thing that I really wanted."

6. Unsubscribe from Store Emails and Delete Apps

Reducing exposure to sales and promotional content helps prevent spontaneous purchases. Both hosts recommend unsubscribe actions and deleting shopping apps to create barriers against impulse buys.

Jen (21:45):
"Creating as many barriers as possible because the technology and the success of these companies is through how easy they make it to impulse buy."

Jill concurs, noting that eliminating easy access to shopping platforms reinforces commitment to the low-buy year.

Jill (25:05):
"Unsubscribing from store emails and deleting apps keeps you from easily being able to order something online."

7. Come Up with a List of Activities to Replace Shopping

Replacing shopping with alternative activities addresses the emotional triggers behind unnecessary spending. Jen and Jill emphasize finding fulfilling substitutes that provide similar satisfaction without financial cost.

Jen (26:35):
"If you're tempted to buy something new, she'll rearrange... instead, maybe go for a run or play a game on your phone."

Jill highlights the importance of substituting habits to maintain mental well-being and reduce stress-related spending.

Jill (27:04):
"Finding alternative ways to cope, finding alternative ways to experience that dopamine release that we're looking for and potentially even learning more about ourselves."

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Listener Story: The Bill of the Week

To illustrate the practical application of these tips, Jen shares a heartfelt story from a listener named Ruth. Ruth discusses her strategy of saving for a new car by setting aside a monthly payment into a dedicated savings account. This proactive approach not only prepares her financially but also empowers her to make informed decisions about future purchases without succumbing to impulse buys.

Ruth (33:05):
"I'm preparing for that new car. But if you don't have the money, you don't get to choose."

Jen and Jill laud Ruth's method as a brilliant way to manage finances and achieve her goals without financial strain.

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Conclusion

As the episode wraps up, Jen and Jill reinforce the notion that a low-buy year is a flexible and sustainable path to frugal living. They encourage listeners to tailor the strategies to their personal lifestyles and values, ensuring that the journey towards financial empowerment is both achievable and enjoyable.

Jen (40:12):
"When you're spending based on your values, then your values are not exceptions. Your values are priorities."

Jill emphasizes the importance of opportunities for personal growth and the positive changes that come from adopting a mindful spending approach.

Jill (42:22):
"If you are in the market to cut that monthly phone bill, like really cut it, Helium Mobile is where it's at."

The hosts also invite listeners to share their experiences and successes, fostering a sense of community and mutual support among those on their financial journeys.

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Final Thoughts

Frugal Friends Podcast continues to serve as a valuable resource for individuals seeking to manage their finances thoughtfully. By offering practical tips, inspiring stories, and a supportive community, Jen Smith and Jill Sirianni empower listeners to take control of their spending and embrace a more fulfilling, financially secure lifestyle.

For more insights and financial empowerment tips, tune in to the Frugal Friends Podcast and join the conversation towards a richer, more intentional life.

Transcript

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[Ruth]

And live a richer life.

[Jill]

Here are your hosts, Jen and Jill.

[Jen]

Welcome to the Frugal Friends Podcast. My name is Jen.

[Jill]

My name is Jill and today we.

[Jen]

Are motivating you and giving you some hacks and tips to continue with your low buy year. Even at the beginning of the year. If you said this was going to be a no buy year, or maybe you tried to do no spend January, even the no spend February that we did with our listeners and our newsletter subscribers over on the friend letter, even if those did not go the way you thought they would go first, that's normal.

[Jill]

You're not alone.

[Jen]

You're not alone. So we want you to remotivate yourself. First quarter of the year is almost over and let's have the other three quarters of the year really strong.

[Jill]

And I think honestly a no buy year sounds pretty unrealistic, but I do really love the idea of a low buy year or just aiming at under consumption or the opposite of over consumption that we can be so sucked into when we're not thinking. We're not mindful about where our money is going. And so we're hoping that this can kind of help you with that. But first, this episode is brought to you by all in One. Like a fanny pack that doubles as a belt or a hat that's also a hair tie or a cup that can be used as a plate too. What? Whenever you can jam like 15 desirable things into one handy dandy accessory, we're here for it. Kind of like our book Buy what yout Love Without Going Broke. It's an all in one guide on how to save money, spend better, and feel confident about your finances. How to practice values based spending. It's the last thing you'll actually need to buy this year because it's just that good. You can use it for bedtime reading. Use it as your journal. Wear it like a necklace. Use it as a coaster and a plate. Get the all in one. Buy what you love without going broke. Wherever books are sold, it just got.

[Jen]

More unhinged as you went on. It started real good and then just devolved. But I didn't hate it because you.

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Don'T just need it for all of your finance tips. You could also just like use it for all of your accessory needs. I will push all in one.

[Jen]

I will push back on. It's the last thing you'll need to buy this year because it is March. So I stand by it. Might need to buy one or two more things for the rest of the year, but that's just. That's just where we differ. It's okay. We're allowed to have different opinions.

[Jill]

We are not the same.

[Jen]

Yeah. Okay, so if you want to queue up a few episodes for after this, episode 440 How Contentment Leads to Better Spending with Shannon Abels is a fantastic episode. And Then also episode 436 under consumption core 101. Again, I know the numbers are pointless. You guys keep telling me and I keep saying them, but just search for the title of the episode and you'll find it. Okay, so let's get into our article today. 7 Low Buy Year Tips for Maximum Success and Lasting Change. And it's from the SimpleBalance.com.

[Jill]

So to get into a little bit about kind of what it is, why would you do it? And they also reference how a no buy year is much more difficult than a low buy year. But it's essentially choosing to really take inventory of your spending and decrease it as much as possible. And so in order to do that, these are some of the tips that they are talking about, can really set you up for understanding and implementing. And the first is that you really do have to find your reasoning for doing a low buy year. Anytime that you engage in something that is a bit of a challenge, we need to know why are we gonna do it? Because 12 months is a really long time to stick to anything. And if you're even just hearing this concept for the first time and you're like, oh, but it's halfway through the year. You can start a low buy year at any point. You choose the 12 months that it's going to happen in, but determine what the reasoning is for it, whether that is to just understand your spending a little more to decrease the amount of consumption that you're doing, or maybe it's to help contribute towards another financial goal. We know a lot of you from the mega survey that we did are wanting to pay down debt. And so something like a low by year can really help to free up some more cash to be able to throw towards debt debt or help you to max out a Roth IRA or pay for that vacation in full that you've been wanting to take for a really long time. But you definitely need to know, why am I doing this? Like, don't just do it because we're saying, like it could be a cool thing to do. It's going to feel really overwhelming if you don't have it tethered to anything. So figure out your reasoning for doing this and be able to kind of come back to that deeper reason.

[Jen]

Yeah, I love the story that she tells. She says last year her close friend lost 85 pounds. He said he's tried for years to lose the extra weight but never the motivation never stuck until he had a blood test where he thought he was pre diabetic. So it ended up being skewed results. But for two weeks before they told him the results were skewed, he thought he was pre diabetic. And those two weeks he had intent like that gave him the motivation that actually got his butt in gear. And so then he found out he wasn't pre diabetic, but he was then afraid of like becoming pre diabetic. And so over the year, lost 85 pounds. And I think it's the same with us and our money. We can know what to do, quote, unquote, why to do it, what we should be doing. But we have to have that, you know, that diagnosis moment to give us the internal motivators to stick with it. And that is the why we are talking about next is to think ahead about what you need to buy this year. Sometimes this can be, this can do more harm than good. So I don't. There is some prep that should come with doing a no buy year, but for a low buy year, I think it's different. I don't think you need to prepare for a low buy year. And so like if you're gonna need to repair a place of, you know, a pair of shoes, it's, it gives it. If you were doing a no buy month, you could definitely wait a full month and not replace the shoes over that month. If you're doing a no buy year, then it might kind of distort your thinking to say, okay, I'm going to need to replace my shoes this year, so I'll just buy them now so I won't need to Replace them throughout, you know, whenever that time comes over the year. As a runner, like I know once I hit, you know, 150 to 300 miles, like depending on the shoe I have to replace, that it is unhealthy for me to run on shoes that are worn down. Right. That is a need. But with a low buy year, we replace things as we need them and that is acceptable. That's not a quote unquote failure. Even though I think on a no buy year I still wouldn't count that as a failure or an impulse purchase. And that's what we really, we want to get out of the habit of finding a problem and just instantly solving it with money. So I think the preparing. I like how she says think ahead because this is what Jill does. Jill makes a list of the things she needs so she can be aware while she's at a thrift store searching yard sales on Facebook Marketplace. And it's not things that are now an emergency situation where I have to, you know, replace it right now. If I'm running, I kind of know how many miles I'm going to run each month and kind of when I'll need to buy new shoes. I can see that coming. So nine times out of ten you're going to be able to see it coming and you can prepare. But think ahead and, and think about, okay, what are these things like running shoes that I know I'm going to have to replace sometimes sometime this year.

[Jill]

And alongside with that tip, number three is talking about deciding on your personal low buy year rules. So similar to doing a no spend challenge where you're deciding what are the limitations and constraints, what am I still going to be able to spend on but what am I not going to spend on? Same thing. So considering your own lifestyle, the things that are important to you, like Jen said, will you replace things that break? Maybe a rule for you could be that you're going to choose to spend on experiences instead of things. Will you consider limiting your eating out or takeout spending? Or is that something you want to keep the same? Are you going to change what you choose to do around the holidays at all? The author gives the example that for her, low buy means that she's limiting the stuff she buys, not necessarily experiences. So she'll replace consumable items that run out and a essential items that wear out, like running shoes. That kind of a thing she does reference, you know, she has kids, so she is going to be buying Christmas gifts and birthday gifts, but considering ways to be able to kind of scale back and be a little bit more mindful about the spending in those different categories. So you decide in advance what are the parameters that you want to stick to. And I think it really could be good to identify what are the areas where you are maybe spending the most, but you could rein it in and you're curious to see what kind of problem solving and creativity could happen. If you say for this year, this is what I'm gonna choose to do instead. Instead of buying as much as I do from the Target Decor section or Amazon Late night, I am gonna choose to only spend on experiences. So not depriving yourself either, but just being curious, if I put this limitation on myself, what might I learn and how might that help me financially?

[Jen]

Next is to declutter your social media. So the author says, I was tempted to say limit your social media, but that can be a huge source of information, connection, community. And we agree with that. So one of the things I think like social media is seasonal. So I think taking each season and this isn't just like weather seasons, but if you're entering into a no buy or a low buy year rather, then it's time to not just declutter but recurate. Recurate your social media. So for us we just published Buy what yout Love without going broke in January. During the launch period I was following a lot of journalists, a lot of book reviewers, a lot of book related things, a lot of people who could teach me and potentially help me with our book launch launch specifically. And then once that season was over, I went through and I stopped following all of those people. Not cause they did anything to me, just because I wanted to see different things in my feed now. So I want to recurate following for a new season and that's definitely what you need to do in this new season. So any influencer whose main job is to get you to buy things, so fashion, skin care, all the little things, DIY crafts, all this stuff, take out that stuff and then you can slowly start to add new people in as you discover them. That will help you with this, with your motivation and ideas and creativity for the low buy.

[Jill]

I love the recognition that no decision we make needs to be permanent like the curating. Your social media can ebb and flow. You can decide what's gonna be important for me to be digesting and consuming when it comes to digital content right now. But I have the permission to change that in a few months from now if I choose to. So I think that can help when we do audits like this is knowing I'm going to make a decision now. I'm trying it on for size. I'm doing an experiment. I can always change my mind and shift up who I'm following. There are a few important things we believe everyone should be doing with their money, one of them being securing term life insurance for yourself. It's one of the best ways to prepare for the unexpected, and we're thrilled to introduce you to a company that gives you coverage and peace of mind in just minutes.

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Okay, number five is to create wish lists. Jen already mentioned that this is something that I do on an ongoing basis is create. I have a running list within my phone in the notes app of things that I want to buy. So if I see something cutesy or have an idea of something that I want to add to my kitchen that I think would make my life more efficient. Kind of the things that none of it's urgent. It's not an emergency, but I think I'm going to want this. I put it on a list and so she's describing this too. Having a place to go with the desire to spend is really helpful. Writing something down physically on a list like this can give you a bit of that dopamine release that we're looking for in the purchase, but without actually needing to spend the money. So it allows that desire to have an outlet, but it doesn't mean that we have to follow the desire all the way through. It also doesn't mean that we never get to buy that thing. We can always revisit that list and see, is this something that I still want? If not delete it. If it is fine, keep an eye out for it. And for me, it specifically allows me the opportunity to kind of go through the filtering that Jen and I have really been loving of figuring out. How can you get it for free? How can you get it for a deal? And so when I have it on a list, I'm able to revisit it. Then I'm able to see, all right, is it at this thrift store? Is it on Facebook Marketplace? Can I find it on a buy nothing group? As I'm scrolling and I and kind of reference back to that list I've created.

[Jen]

Next is to unsubscribe from store emails and delete apps. And this is another one that is curating. It's kind of like, it's kind of decluttering, but kind of curating. So normally we would say you don't have to unsubscribe from emails. You could just do like an unroll me or a unroll me is a, like a browser extension that rolls up all of your emails into one, like your promotion emails into one email a day. Or make a folder where all of them go to that's hidden. But if you're doing a low buy year, that is a unique season, or if you're doing a low buy season that is unique, in that case, we need to look at our spending triggers. And sales for a lot of us are spending triggers. So unsubscribing for this season from all of them and then after the season's done, you can resubscribe to the things that are important to you and like put them in the unroll me or the hidden folder. So they're there. So you have the sales if you want them. But this is a unique season. So this is where I would say. And it's, it's longer than a no spend challenge. Right? So if we're in a 30 day no spend challenge, you don't necessarily need to take the time to unsubscribe from everything because in 30 days it's over. And that's where the low spend is unique. It's a longer season, so it requires a little bit more curating for sustainability. So unsubscribing from store emails. Yes. Deleting apps. Yes. Again, once you come back, then you can just, you can delete all of them and redownload what you want as you want it. And I even say this for a no spend challenge, it's still helpful to Delete apps even for 30 days because I think those really can be. I feel like I look at my apps on my phone screen more than I go into my email. That could be flip flopped for you. But deleting apps will keep you from easily being able to order something online. And with the last one she says something when the Amazon where the siren call of the buy now button is so powerful, lists are an equally powerful way to fight the temptation. Another powerful way is to delete the Amazon app off your phone. So it's not saying that you can never use Amazon the whole low buy unless that's one of your rules. I don't think any particular retailer has to be eliminated for it to be a low buy. It's very much up to you. But keeping the Amazon app and the easy access off your phone that is helpful to succeeding. We just want to create as many barriers as possible because the technology and the success of these companies is through through how easy they make it to impulse buy and how fast like fintech companies make frictionless payment. We need to fight back by creating friction and creating barriers, creating inconvenience.

[Jill]

Yeah, I love the parameter for a low buy year of not purchasing replacements until they're needed. I think a lot of times when it comes to store sales that can be what happens is, oh well, I heard about a sale, I'm eventually going to need this thing. I don't right now, but I might as well take advantage of the sale now. I'd be curious what happens for us if we don't know that the sale is happening and we only go onto that store's website to purchase the replacement and maybe we discover oh, there is a sale going on. Or we could look up when do we think the next sale is going to happen? Can I wait that much longer for the replacement? But that would be an interesting I think rule to create of not like pushing back against some of like the hoarding tendencies of collecting the thing so that you have it for a rainy day, but really pushing it more to the limit and only getting it when you need it.

[Jen]

Yeah, when I need something, when I know I'm gonna need to replace something, I will maybe put it in my cart or tag it or put or like save it somewhere and for a few weeks watch to see if there are any sales.

[Jill]

Oh, that'll happen.

[Jen]

And if there are no sales, I buy it at full price without guilt. Like I'm not going to. I save a lot more money by not impulse buying, just random things on sale and not using them because they're not as good as the thing that I really wanted. I would rather just buy the thing that I really want at full price.

[Jill]

Number seven, Last but not least is come up with a list of activities to replace shopping. This one cannot be understated. We need this. This is the lifeline.

[Jen]

I'd say this is the most important thing because so much of our shopping comes from stress, from unhealthy or absent coping mechanisms, boredom and just like jumping to spending like as an activity to avoid boredom.

[Jill]

And we talk about it's not about deprivation. There could be some sacrifice here, but we don't want this to feel like an unreasonable, unbearable kind of challenge to be giving ourselves, but rather embracing some of the creativity that can happen and finding alternative ways to cope, finding alternative ways to experience that dopamine release that we're looking for and potentially even learning more about ourselves and finding the things that actually are even more fun than spending money. And maybe we wouldn't have realized that if we hadn't have given ourselves this opportunity. I love some of the examples that she gives. She describes that in her home, if she's tempted to buy something new, she rearranges. I love this idea. When it comes to if buying home decor is a huge one for you in particular, creating a different kind of aesthetic with the things that you already have can really bring a nice refresh to the place. If she's tempted to buy something for her wardrobe, she does the laundry. Now that one doesn't sound maybe like as fun that instead of buying I'm gonna go do a chore. But it helps to her to remind herself of all the clothing she does have. And you do get the reward of completing a task having clean wearable clothing. If she's tempted to buy a book and can't acts and access it right away instead, she'll order it from the library or download a sample of it on Kindle and wait patiently for the book to come in. Although I will also say if you have Libby or Hoopla, you don't even have to be patient. You could just get the book off that app either as an ebook or an audiobook and they can also communicate with a Kindle. You can send it to your Kindle from Libby or Hoopla, depending on the book. Sometimes you are going to have a wait period on it, but if you ordered a physical copy, you absolutely would be waiting at least a day or two for it to come in anyway. So love that tip.

[Jen]

Or if you really want it and want to keep it run down to your local bookstore and get it so.

[Jill]

You could commit to walking more, watching some of the shows on the streaming services you already pay for for finding a new recipe to cook. Calling a friend One of the things we talk about in our book Buy what yout Love Without Going Broke is having congruent sized alternatives to the thing that you were doing. Like the ways in which you were spending. So kind of the small, medium, big sized alternatives. So if you know scrolling on your phone at night and buying things from Instagram or Amazon is kind of your M.O. when it comes to impulse spending, then something you can do instead late at night, right? So like going for a run isn't going to be a great alternative if it's 11:30pm Instead, maybe you've got a list of funny videos that you want to watch. There's a comedian that you enjoy following or you journal or you play a game on your phone. Something that's similar in size to that thing. If it's going out and shopping with a friend and you enjoy it maybe like as an activity, then maybe it's something kind of congruent with that. Where you are going out for a walk, meeting up with a friend to do that thing, or packing a picnic lunch. Something that's going to feel like it gets you a version of what it is that you're looking for to the same size of it.

[Jen]

Yes. One of my like I just had this idea and I want to pose this challenge. Maybe this is the challenge for April. Instead of scrolling, text a friend a meme. A different friend every day. 30 friends in 30 days. 30 memes.

[Jill]

Ooh.

[Jen]

And strike up a conversation. Sometimes they'll text back, sometimes they won't because they're busy, you know. But sometimes you might get a meme.

[Jill]

Back or a gif or send them an audiogram. Those are fun.

[Jen]

That's scarier.

[Jill]

It's fun though.

[Jen]

It could be fun.

[Jill]

If you want next level challenge.

[Jen]

Okay, if you want next level challenge. But if you are like me and you're not great at reaching out to people, I think community and relationship is a far better like solution to our anxieties and our stress and all the things that we sources of stress shopping that we have. I think that 30 memes to 30 friends in 30 days could solve all your problems. And I just thought about it like 30 seconds ago. But I'm committed to saying on the record, I believe it will change your life.

[Jill]

In addition to your low buy year, you also have an April challenge.

[Jen]

I'll try It.

[Jill]

Do you know what is not a challenge, but something we also love when people try.

[Jen]

It's the only, like, audio message that feels safe to me. All other audio. I honestly, I would never. I respect people who do, but I could never.

[Jill]

This is wild. Cause you're a podcaster. I know you literally only do audiograms. It's how you make your money. It's how you eat your house.

[Jen]

I get it. I'm a conundrum.

[Jill]

Wow. The bill of the week.

[Jen]

That's right. It's time for the best minute of your entire week. Maybe a baby was born and his name is William. Maybe you paid off your mortgage. Maybe your car died and you're happy to not have to pay that bill anymore. Duck bills, Buffalo Bills, Bill Clinton.

[Ryan Seacrest]

This is the bill of the week.

[Jen]

Hey, frugal friends. My name is Ruth and I was listening to your episode about the car and the minivan and we have an 11 year old Toyota Corolla with fewer than 100,000 miles on it. But every once in a while I started thinking, you know, oh, I would love, I mean, I'd love a backup camera, but you know, I want a new car or something. And recently I started saying, okay, I'm going to start making myself pay a car payment into an account. So now we have a car payment, it's $500, goes into a savings account every month. So that, yeah, maybe when we have the price of a new car in cash, we can go ahead and do that. Or if we get in an accident, we'll have something for a down payment beyond that. But it's a little way of my saying, okay, you know what, I'm preparing for that. I'm preparing for that new car. But my current car works perfect now. And yeah, it's a bill that I'm paying to myself and hopefully that'll save future us some money. That's it. Yep, that's it. That's how you do it.

[Jill]

That is how you do it. Ruth. You crap the gun.

[Jen]

You got it.

[Jill]

You figured it out.

[Jen]

Ruth, Ruth.

[Jill]

The matrix is Ruth solved. Ruth, Ruth, Ruth.

[Jen]

Thank you. That is honestly how you do it. When you decide you want another car, then you start saving for it. And if you need a new car before you saved all the money, you've got the down payment. Otherwise, when you hit your goal, you get to reward yourself with a new car whether you need it or not, Right? Or you just let it sit there and wait for your car today, you get to choose. But if you don't have the money. You don't get to choose.

[Jill]

And now you have the cash to negotiate that car purchase too. You may not even need to have a car payment once you get the next thing. You are doing this in a brilliant way.

[Jen]

That's it. And the thing is, your Toyota Corolla is never gonna die. It's never going. It's yours forever. But if you have the money, then you could do whatever you want.

[Jill]

Oh we are so can you tell the things that light us up. I love that we're lit up about her paying herself rude car payments.

[Jen]

People are walking by our office and they are distress by how lit we are.

[Jill]

Ruth, you're doing the real thing and we're so glad to hear from you. If you all are listening and you're just so inspired by Ruth and you want to share about things that you're setting money aside for or things that you have paid off already or just how long your car is running because we're also here for that. Or your name is Bill and you've had who knows how many amounts of vehicles in your life. We want to hear about that. Frugalfriendspodcast.com Bill leave us your Bill. We're ready for it. I don't know about you, but overpaying for wireless cell service is not in my values. If you too are fed up with crazy high wireless bills, bogus fees and free perks that actually cost you more in the long run, then make the switch to Mint Mobile.

[Jen]

You can opt out of your overpriced wireless plans, jaw dropping monthly bills and unexpected overages and let Mint Mobile swoop in with their premium wireless plan starting at just 15 bucks a month.

[Jill]

All plans come with high speed data, unlimited talk and text and is delivered on the nation's largest 5G network. So if you like your money, Mint Mobile is for you. Shop [e-mail] frugal that's mintmobile.com frugal upfront.

[Jen]

Payment of $45 for 3 months 5 gigabyte plan required equivalent to $15 a month new customer offer for first 3 months only, then full price plan options available, taxes and fees extra. C Mint Mobile for details hey, it's.

[Ryan Seacrest]

Ryan Seacrest for Albertsons and Safeway. It's stock up savings time now through March 25th. Spring in for storewide deals and earn four times the points. Look for in store tags to earn on eligible beverage items from Tropicana Lemonade or breakfast favorites like General Mills Cereal, Coffee Mate Creamer, Quaker Cereal, plus many more. Then clip the offer in our app for automatic event long savings stack up those rewards to save even more restrictions apply. Visit Albertsons or Safeway.com for more details.

[Ruth]

It's tax season and by now I know we're all a bit tired of numbers. But here's an important one you need to hear. $16.5 billion. That's how much money in refunds the IRS flagged for possible identity fraud last year. Here's another 20%. That's the overall increase in identity theft related to tax fraud in 2024 alone. But it's not all grim news. Here's a good number. 100 million. That's how many data points Lifelock monitors every second. If your identity is stolen, LifeLock's US based restoration specialists will fix it, backed by another good number, the million dollar protection plan. In fact, restoration is guaranteed or your money back. Don't face identity theft and financial losses alone. There's strength in numbers with Lifelock identity theft protection for tax season and beyond. Join now and save up to 40% your first year. Call 1-800-LIFELOCK and use promo cod code iHeart or go to lifelock.com iheart for 40% off. Terms apply.

[Jill]

Looking to save even more money on your phone bill? How does free sound? Helium Mobile is offering the first free phone plan. That's right, free phone service. Seriously. No bill, no contract, just free.

[Jen]

It's not just some limited time deal. You get nationwide 5G coverage with 3 gigabytes of data, 300 texts and 100 minutes of calls. If you need more data, you can upgrade to their other plans. Plus you're supporting a community built network that's growing every day to keep you seamlessly connected wherever you go.

[Jill]

When we first heard about Helium Mobile, we couldn't wait to share it with all our frugal listeners who are looking to budget smarter when it comes to everyday necessities without sacrificing quality.

[Jen]

So if you're in the market to cut that monthly phone bill, like really cut it, Helium Mobile is where it's at. Download the Helium Mobile app today and use the code froogle to get your free plan today.

[Jill]

And now it's time for the lightning round.

[Jen]

What are your exceptions in your low buy year? So, I mean, I'll be honest, I've never done like an official low buy year. So if I, I feel like my life is low buy. That's the thing. Low buy is a buzzword, but it's also just being frugal. I want to like put that out there. I might be should have put that out there at the top of the episode. But now that we've come 30 minutes in, I just want to like wrap that up by saying a low buy year is a frugal, living is your life lifestyle. So what are my exceptions? There are no exceptions. When you're spending based on your values, then your values are not exceptions. Your values are priorities.

[Jill]

So, yeah, this is a very, very good way of getting out of answering the question.

[Jen]

Jill, your answer is just boring. So I wanted to have something interesting to say. I know, but I would say so. The things I spend on guilt free childcare, I still want to. I've said that for years, five years at this point. That childcare is my favorite money that I spend every month. And I will, yeah, continue to pay it for a few more years. Actually just like one more year, I think. Whoo, that's nice. Who knows? And then I might invest that money. Yeah, get back to investing. That'll be nice.

[Jill]

You know, I value breaks. I think if I could summarize what I am willing to spend on, it's opportunities to take a break.

[Jen]

That was not the answer I said. She changed her answer, guys.

[Jill]

But it is involved in this. So what I mean by that.

[Jen]

That is brakes for your car because that is why you got a new car.

[Jill]

Yeah, yeah, yeah. Yes. For safety reasons. The safety versions of brakes. But I recently said to you that, yeah, I do not buy things, products, tangible goods, but I will spend on food, travel, activities. So for me, that's not going away. I feel like I have really understood what I enjoy spending on. That's what I'm going to be spending on. But it all kind of represents when I go out to eat. It's like a break from being in my home, from being in the kitchen, from needing to exert energy and time to cooking. So I will pay for food out. To go to an activity or to travel is kind of like a break from the everyday charade.

[Jen]

That's kind of when I get takeout food, that's essentially what I am paying for. Like I will say, like, I like travel and experiences too. Like I'm not a monster. I'm just at a period in my life where those things cost double or sometimes quadruple and I can't afford that. So I'm not at a place right now where or not that I can't afford. I don't value it enough to spend thousands and thousands of dollars on babysitters and like traveling, like tickets. So yeah, and I'm tired. Sure. There's free stuff, but I'm just tired, so that's why the breaks that I pay for are typically takeout. Yeah. My mom watched the kids on Saturday, and we were so exhausted. This is so embarrassing. We were so exhausted. We didn't have a plan. We just didn't have time to think of. Oh, we'd known for, like, a month that my mom was gonna watch the kids on this night. Cause she watches them once a month. And we just didn't. We didn't know what we were gonna do.

[Jill]

Wait, wasn't she gonna take them to her place so you could be at home? You knew that you wanted that.

[Jen]

Yeah. She took them to Chuck E. Cheese and then brought them home and watched them at our house, like, you know, while we were gonna go out.

[Jill]

Oh, okay.

[Jen]

And we just didn't have a plan. So we ended up just doing chores until they said they were on their way. And then we left. We didn't know what to do. So we just got tacos and went to Aldi and came home, got groceries.

[Jill]

Did you need groceries, or was that, like, a fun activity to go to Aldi?

[Jen]

Aldi closes at 8 on Saturdays, and we got there at 7. 55. Oh, right. So then we ended up getting home in enough time, miraculously, to put the kids to bed.

[Jill]

Oh, no, Jen.

[Jen]

That is my life. And that is my life in a nutshell right now.

[Jill]

Oh, my gosh. You know what I can do for frugal friends to contribute to our business is, like, come up with date ideas for you guys.

[Jen]

Wow, that's.

[Jill]

You just, like, have a list of, like, you don't have to, because that is the thing you got to exert energy into, like, making a plan and figuring out what to do.

[Jen]

So I think childcare is the best part of my day.

[Jill]

Yeah.

[Jen]

Dropping off. And I won't say that public school is childcare, but that is also a good part of my day.

[Jill]

It's also education. That's good.

[Jen]

I love our school, our elementary school. But, yeah, so I would say that's mine, but. Yeah. Again, a low buy year, I think, is a concerted effort toward frugal living. I think you can view it as a more rigid kind of like a starter course. And then frugality is just a little bit more flexible. So if you don't jive with really rigid things and you want something that's a little softer, I think a low buy year can be a concerted effort toward frugality. So thank you so much for listening. And we love love Love reading your kind reviews of the podcast and the book and this one specifically on the book. It's from Anastasia. It's five stars. She says buy what you love without going broke is a down to earth read that feels like a chat with friends over homemade coffee. The authors meet each reader where they are on their own personal finance journey. This book provides a foundation that increases encourages its readers to assess their relationships with money and ultimately create their own roadmaps toward financial empowerment. Thank you Anastasia.

[Jill]

That's so helpful and such a kind review. We're really glad to hear that you feel seen in the book and like you're chatting with a friend. That's the feedback. We hear a lot about the podcast. So it's really cool to hear that that came through in the book and that kind of regardless of where you are on your financial journey, there's something for you, I think that was also a hope in giving some of the foundational principles of how to spend money well that can be applicable at any life stage or season. So thank you so much for that beautiful review of the book. If this is a book that you have not purchased, but it's sounding interesting to you, you can get buy what you love without going broke anywhere that books are sold. And we so appreciate you also just tuning into this podcast and listening. If you've enjoyed the show, then please take a minute to leave us a rating and review. It really does help us helps other listeners find us know if it's going to be right for them. So thanks for doing that.

[Jen]

Absolutely. And we will see you next time. Frugal Friends is produced by Eric Sirianni.

[Jill]

Okay Jen.

[Jen]

Yes.

[Jill]

Yesterday you were a chaperone.

[Jen]

I chaperoned the kindergarten field trip to the zoo.

[Jill]

Yes.

[Jen]

All the kindergarten classes went and I actually went with my friend Kendra. Cause our sons are in the same kindergarten class and Ms. K knows that we're friends so she put us in the same chaperone group at the park too. So yeah, we took here's this thing. There are 17 kids in my son's kindergarten class.

[Jill]

That seems like a lot.

[Jen]

Yeah, it does. And then there were enough chaperones that there were three adults for four kids. And in the three adults that were in our group we each had our kid. So then we only had one girl who was not our own, just a rogue, rogue child. And so you're like, wow, that is so many adults per child. And then you get to the zoo and you get to walking around and you're like always losing one. It seems like you needed one on one attention for all the kids. And meanwhile, Ms. K is walking around with seven kids by herself and she's just like, hey, chill. Like, this is great. I was like, I can't. What?

[Jill]

It's almost too many cooks in the kitchen because how do you know who's responsible for what kid?

[Jen]

Well, it's enough kids where you should be able to see all four in your eyesight at all time, or at least you can see one of the other chaperones. And so it didn't feel like there were too many adults, it felt like there were too many children.

[Jill]

You were still outnumbered, right?

[Jen]

Right. So, yeah, it was very fun though. A lot of people I like the mom's that I was with and the kids in our group were very good. And we went and we saw tiger and elephants, giraffes, rhinos, monkeys, all the types of monkeys, every single type of monkey, penguins.

[Jill]

Was it cool for Kai to have you there?

[Jen]

Yes, of course.

[Jill]

Did you feel like a fly on the wall? Like you got to see how he interacts with his friends, or do you think he behaves differently when you're around?

[Jen]

No, I think he. I've, I've been to his class before, so I kind of see how he interacts. But sometimes you can't always trust the words of a five year old. So they come home and they'll tell you stuff and you're like, did that really happen? Like, is Mac really copping all your goldfish at school? You have to bring three packs of goldfish. Like, is he running like a, like a ring where he's taking everyone's goldfish? What's happening? And so just the way he says things, you don't know what's really going on. So yeah, it was fun. It's always fun to see him, to see the faces of all the kids that he talks about to meet their parents. Yeah.

[Jill]

Well, what did you learn? Is this kid actually taking everybody else's food?

[Jen]

No.

[Jill]

Did you get to watch it in action?

[Jen]

Mac is actually Kendra's son. So I know Matt, like, I know him like, and he's feisty, but I don't think he's running like a goldfish redealing ring, Right?

[Jill]

Maybe not. Maybe he's just consuming it all. Maybe he's in his over consumption of goldfish year.

[Jen]

This is also a possibility because Kai is like, Mac loves goldfish. And I was like, does he? Is that why you asked me to put three bags in your lunch? Does he love them that much?

[Jill]

Yeah.

[Jen]

But I Think he just wants to be generous. Kai wants to be generous. I don't think.

[Jill]

Or it's all a ruse. Kai just wants to eat that many goldfish, but he's using his friends as a scapegoat.

[Jen]

Yeah. He's like, I don't want them. And I'm just like. Then sometimes he is. He does want them. I was like, you better want them. I just bought a 45 bag pack from Costco, and I'm not giving them all to Mac. So it is very fun to see all their little behaviors.

[Jill]

It's fun. What was your favorite thing to see at the zoo?

[Jen]

I really like the giraffes and the elephants are together. So you see them in the same. Their little Serengeti type. Yeah, that's right.

[Jill]

Yeah. Okay. I have been to this zoo before. I didn't. Yeah.

[Jen]

So that's really great. Penguins are really great.

[Jill]

Did the kids get to feed the giraffes?

[Jen]

No, they didn't feed any. And honestly, after an hour and a half, they were all wiped. It was insane.

[Jill]

An hour and a half at the zoo, they were done.

[Jen]

Done what? I have this amazing picture that Kendra actually asked somebody walking by to take for us because it was so comical, but it was. Oh, now it's gone. It's like, if you don't save something in 24 hours, it leaves your phone, but it's all of the kids. Oh, no, there it is. Like, just passed out.

[Jill]

Oh, my gosh.

[Jen]

Like, they are.

[Jill]

Yes. Oh. I'm looking at this photo, and every single child is just, like, in the lap of an adult. Wrecked. Just absolutely demolished.

[Jen]

That was two hours in, honestly. And we still had an hour left to be there. You think the kindergartners are going there from 10 to 13 hours. How are you gonna do everything? No, that was two hours in, and they were wiped. And we were like, can we.

[Jill]

Oh, my gosh.

[Jen]

Can we go now?

[Jill]

What a cute photo.

[Jen]

I know. So, yeah, that was the zoo, and it was so chaotic, so fun. One time, I chaperoned a trip to SeaWorld. Not for, like, my kids. This was before when I lived in Orlando. I had a friend who was a teacher, and she needed chaperones for her. I think it was. It was either, like, eighth grade or, like, young high school. I can't remember. I think it was middle school. And they went to Sea World and they needed chaperones, and that was so fun.

[Jill]

Yeah.

[Jen]

Like chaperoning middle schoolers at SeaWorld. They were just so chaotic. It was so good.

[Jill]

So when that happens. Are you able to just take Kai home with you straight from there? Do they go back to school for a little bit?

[Jen]

Yeah. No. And I carpooled there with Kendra and another mom and then was gonna take Kai home with me and so he came with us. And then one of the other moms, her car broke while we were there and so we ended up taking her and her daughter back. So it was a minivan with four moms and two kids coming back? Yeah.

[Jill]

Amazing.

[Jen]

That was fun.

[Jill]

Yeah. So the other moms sent their kids.

[Jen]

Just back to school on the bus? Yeah.

[Jill]

Uh huh. Yeah. You only have so much space.

[Jen]

I gave Kai the option cause he's usually really excited about the bus and he was so tired he wanted to like just ride with me. So the other kids.

[Jill]

Good thing you got that minivan.

[Jen]

I. It wasn't my minivan. It was Kevin's. Yeah, right.

[Jill]

Wow.

[Jen]

I was just along for the ride. Oh. It was pleasurable for me.

[Jill]

Amazing. Sounds like a fun day. So glad you were able to do that.

[Jen]

Yes. It was so fun.

[Ryan Seacrest]

Hey, it's Ryan Seacrest for Albertsons and Safeway. It's stock up savings time now through March 25th. Spring in for storewide deals and earn four times the points. Look for in store tags to earn on eligible snacks like Pepperidge Farms, Goldfish and Kettle chips, or sweet treats like Keebler Cookies, Hostess Snack cakes, M&MS. And Ben and Jerry's, plus many more. Then clip the offer in our app for automatic event long savings. Stack up those rewards to save even more restrictions apply. Visit Albertsons or Safeway.com for more details.

[Jill]

Looking to save even more money on your phone bill? How does free sound? Helium Mobile is offering the first free phone plan. That's right. Free phone service. Seriously? No bill, no contract, just free.

[Jen]

It's not just some limited time deal. You get nationwide 5G coverage with 3 gigabytes of data, 300 texts and 100 minutes of calls. If you need more data, you can upgrade to their other plans. Plus you're supporting a community built network that's growing every day to keep you seamlessly connected wherever you go.

[Jill]

When we first heard about Helium Mobile, we couldn't wait to share it with all our frugal listeners who are looking to budget smarter when it comes to everyday necessities without sacrificing quality.

[Jen]

So if you're in the market to cut that monthly phone bill, like really cut it, Helium Mobile is where it's at. Download the Helium Mobile app today and use the code Froogle to get your free plan today.

[Ruth]

It's tax season and by now. I know we're all a bit tired of numbers, but here's an important one you need to hear $16.5 billion. That's how much money in refunds the IRS flagged for possible identity fraud last year. Here's another 20%. That's the overall increase in identity theft related to tax fraud in 2024 alone. But it's not all grim news. Here's a good number. 100 million. That's how many data points Lifelock monitors every second. If your identity is stolen, LifeLock's US based restoration specialists will fix it, backed by another good number, the million dollar protection plan. In fact, restoration is guaranteed or your money back. Don't face identity theft and financial losses alone. There's strength in numbers with Lifelock Identity theft protection for tax season and beyond. Join now and save up to 40% your first year. Call 1-800-LIFELOCK and use promo code iheart or go to lifelock.com iheart for 40% off. Terms apply.

[Jill]

Get this Adults with financial literacy skills.

[Jen]

Have 82% more wealth than those who don't. From swimming lessons to piano classes, us parents invest in so many things to.

[Jill]

Enrich our kids lives.

[Jen]

But are we investing in their future financial success?

[Jill]

With Greenlight, you can teach your kids.

[Jen]

Financial literacy skills like earning, saving and investing.

[Jill]

And this investment costs less than that. After school treat start prioritizing their financial.

[Jen]

Education and future today with a risk free [e-mail] iheartra greenlight.com iheart.