How to make ends meet without getting a side hustle – Ep 105

During difficult financial times it can be tough to make ends meet, and while finding ways to earn extra income is great, this is not always feasible! On today’s episode we tackle how to cover our expenses without pushing ourselves to get another side hustle!


  • Current: A mobile bank with an awesome user interface, no overdraft fees and no minimum balance requirements. If you’re looking for another bank account to hold your emergency fund or something big you’re saving for then you’re definitely gonna want to try Current because we’re giving $10 to the first 10 people who sign up using our promo code: FRUGALFRIENDS for each episode.
  • Online courses that don’t cost a lot and actually help people: Y’all ever gone to a blog, downloaded a free template and find out the creator has a course? But it’s like, $400, no thank you. Or you find one that’s $30 and you buy it and you already knew all that info? Online courses that don’t cost a lot and actually help people are here to solve that problem. Ya know how we know they’re affordable? Because I’d actually pay it and I don’t buy stuff. Ya know how we know they help people? People tried it and said so. Online courses that don’t cost a lot and actually help people, because some stuff you can find for free on the internet, and some stuff you can’t.

Notable Notes –

What the Internet has to say:

Check out this article from Don’t Waste Your Money to get 5 tips for getting back on your feet after a financial disaster

What Jen + Jill have to say:

  • Know what you OWN and what you OWE – sometimes making ends meet is as simple as moving some things around in your budget.
  • Drain the emotion from your decisions- stop impulsive and treat yo self type spending, stop saying “i deserve this” to things that cost money and start saying it to financial security and prosperity.
  • Take clear eyed and bold action- don’t sit and wallow, don’t play the victim – this may require more intentionality than ever before and we may be talking about doing more than cutting out your AM latte!
  • Build a support team- you can’t do this on your own.

More from the Internet:

This article from Moolanomy provides 10 tips for making ends meet with a limited budget

More from Jen + Jill:

  • 1. Fine tune your budget – you may feel there’s no wiggle room – but look again!
  • 2. Stick with the basics
  • 4. Downsize your life – you may not even realize how much stuff you have!
  • 5. Don’t utilize credit
  • 6. Shop outside the box – farmers markets, dollar stores, thrift stores for essentials
  • 10. Plan for the big picture

BILL OF THE WEEK – Thanks so much for sharing your bill of the week! We’re so encouraged to hear of how beneficial your monthly bill to ‘financial gym’ and getting a ‘financial trainer’ has been

Lightning Round –

How to spend your stimulus check:

  • Your 4 walls: food, housing, utilities, Netflix
  • Emergency fund: $500 to $15,000
  • High interest debt
  • Give it away: neighbors, local charities, local businesses

Wrap-Up –

Thanks so much for listening! Keep leaving us reviews on iTunes or Stitcher, and sending the screenshot to AND share our most recent episode on social for a chance to win a $10 Amazon gift card!

Thanks for listening! See you next week!

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