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Frugality,
But Make it Fun

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

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

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Extreme couponing is so 2012.

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

No More Broken Budgets

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

Financial Goals That Align With Your Values

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

Motivation to Succeed

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

Frugal ≠ Cheap

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

Intention Matters

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

We Rise By Lifting Others

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

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Frugal Friends

Frugal Friends
Don't overpay for medical care! DollarFor is a nonprofit that helps you check if your hospital bill is eligible for financial assistance. They navigate the complex process & negotiate lower bills. For anyone focused on debt right now, we’re walking through that together as a community. If this resonates, the full episode and 90-Day Debt Freedom Fast Track details are linked in our bio. #DebtFreeJourney #FinancialFreedom #DebtFreeCommunity #DebtFreedomFastTrack
Slash Medical Bills: Nonprofit Can Help You Save! #shorts
We know it might sound chaotic, but stick with Jen and Jill because this might be the best thing you do for your money this year. 02:38 - Single serves coffee pods 07:57 - New cars 14:44 - All the streaming services 21:43 - Bottled water 32:04 -Trendy kitchen gadgets 33:55 - Alcohol 34:36 - Hobby shopping instead of hobby doing 🎙️ Get full show notes here! https://bit.ly/ffpstopbuyingthese ⭐ Submit your BOTW: http://frugalfriendspodcast.com/bill 📘 Order the book here: http://buywhatyoulovebook.com/ ⭐ Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ 💌 The Friendletter: https://www.frugalfriendspodcast.com/friendletter/ ⭐ Use code YT30 for 30% off our Planners: https://frugalfriends.shop/discount/YT30 🔗 Mint Mobile: https://www.frugalfriendspodcast.com/mint 🔗 Aura: https://www.frugalfriendspodcast.com/aura ✨ Join the 90-Day Debt Free Fast Track! From Jan 1–Mar 31, join Jen & Jill for 4 live classes, 3 challenges, 2 books, and 1 shared goal — $100,000 of debt paid down in our community! 💻 Live coaching, community accountability, and instant access to The Financial Reset (a $297 bonus course!). 🎁 Early Bird $149 (Dec 5–16) 💸 Regular $199 (Dec 17–Jan 7) 🎉 Surprise goodies for first-week enrollees! 👉 Join Now → FrugalFriendsPodcast.com/debtfree DISCLAIMER: This video is for educational purposes only. We are not financial advisors. In order to make the best financial decision for you and your family, you still need to conduct your own research and seek the advice of a licensed professional if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Don’t make any decisions without doing your own research! AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. This does not impact our personal opinions.
26 Things to STOP BUYING to Save Money in 2026
Ready to take control of your finances and crush debt? We're reviewing the top 5 budgeting apps for beginners (or those getting back on track). Real user experiences, not just website fluff! And if debt payoff is part of your reset, our community is working toward paying off $100,000 together in early 2026. If this resonates, join us for our 90-Day Debt Freedom Fast Track! Link in bio. #DebtFreeJourney #FinancialFreedom #DebtFreeCommunity #DebtFreedomFastTrack
Top 5 Budgeting Apps for Beginners & Debt Payoff #shorts
Finding a free budgeting app that does everything you want has been harder since Mint shut down. We may have found one! And if you're looking to pay off debt, we have a goal of seeing our community pay off $100,000 of debt in the first quarter of 2026. And to do that, we're hosting a 90-Day Debt Freedom Fast Track. Tap the link in our bio to check it out and join us! #DebtFreeJourney #DebtFreeCommunity #DebtFreedomFastTrack #FrugalLiving #budgeting #moneytips #finance #newyear
Free Budgeting App After Mint Shut Down #shorts
Baby steps are out of touch! Jen and Jill talk about why this popular advice is broken and how you can update it to create your own "radical middle" financial plan. 07:39 - How did we get the Baby Steps? 09:54 - Save $1,000 for a Starter Emergency Fund 15:21 - Pay off all debt (except the house) using the Debt Snowball 18:27 - Save 3-6 Months of Expenses 21:20 - Invest 15% of Household Income for Retirement 34:38 - Save for Kids' College 37:46 - Pay Off Your Home Early 42:15 - Build Wealth and Give Generously 🎙️ Get full show notes here! https://bit.ly/ffpbabysteps2026 ⭐ Submit your BOTW: http://frugalfriendspodcast.com/bill 📘 Order the book here: http://buywhatyoulovebook.com/ ⭐ Hang out with us on Instagram! https://www.instagram.com/frugalfriendspodcast/ 💌 The Friendletter: https://www.frugalfriendspodcast.com/friendletter/ ⭐ Use code YT30 for 30% off our Planners: https://frugalfriends.shop/discount/YT30 ✨ Join the 90-Day Debt Free Fast Track! From Jan 1–Mar 31, join Jen & Jill for 4 live classes, 3 challenges, 2 books, and 1 shared goal — $100,000 of debt paid down in our community! 💻 Live coaching, community accountability, and instant access to The Financial Reset (a $297 bonus course!). 🎁 Early Bird $149 (Dec 5–16) 💸 Regular $199 (Dec 17–Jan 7) 🎉 Surprise goodies for first-week enrollees! 👉 Join Now → FrugalFriendsPodcast.com/debtfree DISCLAIMER: This video is for educational purposes only. We are not financial advisors. In order to make the best financial decision for you and your family, you still need to conduct your own research and seek the advice of a licensed professional if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Don’t make any decisions without doing your own research! AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at no additional cost to you, we may earn a commission if you click through and make a purchase and/or subscribe. This does not impact our personal opinions.
Will Dave Ramsey's Baby Steps Work in 2026? (our actual experiences)
Think you're a spending master? Even values-based buyers need a reset. One month, zero buys. It's like a financial detox—revealing habits you never knew you had. Are you paying off debt?! We have a goal of seeing our community pay off $100,000 of debt in the first quarter of 2026. And to do that, we're hosting a 90-Day Debt Freedom Fast Track. Tap the link our bio to check it out and join us! #DebtFreeJourney #FinancialFreedom #DebtFreeCommunity #DebtFreedomFastTrack #NoSpendChallenge #FrugalLiving
No Buy January? Time to Inspect Your Habits #shorts
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Latest Episodes

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The Definitive Guide to Values Based Spending

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

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Meet the Hosts

Jen Smith & Jill Sirianni

Jen Smith

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

Jill Sirianni

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

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Reaching your financial goals starting to feel monotonous? Gamify your goals with us! Join the Monthly Money Challenge Membership to get a new fun money challenge in your inbox every month. 

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