Check out Policy Genius: Policy genius https://share.policygenius.com/lydia4

Check out Policy Genius: Policy genius <a href="https://share.policygenius.com/lydia4" rel="nofollow" target="_blank">https://share.policygenius.com/lydia4</a>

Episode 95: Teaching Kids About Money + A FREE Ebook 

Grab a Copy of my NEW eBook. https://www.frugaldebtfreelife.com/shop/create-profitable-digital-products-todayOther Episodes you will love: Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne SmithEpisode 85: What I Do When I Feel OverwhelmedEpisode 80:The Middle of the Month Budget Hurdle + How to Make Faster DecisionsEpisode 75: Learning to create a block schedule that works

Grab a Copy of my NEW eBook. <a href="https://www.frugaldebtfreelife.com/shop/create-profitable-digital-products-today" rel="nofollow" target="_blank">https://www.frugaldebtfreelife.com/shop/create-profitable-digital-products-today</a>Other Episodes you will love: <a href="http://www.frugaldebtfreelife.com/podcast/baby" rel="nofollow" target="_blank">Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne Smith</a><a href="http://www.frugaldebtfreelife.com/podcast/overwhelmed" rel="nofollow" target="_blank">Episode 85: What I Do When I Feel Overwhelmed</a><a href="http://www.frugaldebtfreelife.com/podcast/plan2023-6ltkm" rel="nofollow" target="_blank">Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions</a><a href="http://www.frugaldebtfreelife.com/podcast/blockschedule" rel="nofollow" target="_blank">Episode 75: Learning to create a block schedule that works</a>

Episode 94: Money Management Regardless of Income 

Grab a Copy of my NEW eBook. https://www.frugaldebtfreelife.com/shop/create-profitable-digital-products-todayNCIB Study on Comparison: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4222713/Other Episodes you will love: Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne SmithEpisode 85: What I Do When I Feel OverwhelmedEpisode 80:The Middle of the Month Budget Hurdle + How to Make Faster DecisionsEpisode 75: Learning to create a block schedule that works

Grab a Copy of my NEW eBook. <a href="https://www.frugaldebtfreelife.com/shop/create-profitable-digital-products-today" rel="nofollow" target="_blank">https://www.frugaldebtfreelife.com/shop/create-profitable-digital-products-today</a>NCIB Study on Comparison: <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4222713/" rel="nofollow" target="_blank">https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4222713/</a>Other Episodes you will love: <a href="http://www.frugaldebtfreelife.com/podcast/baby" rel="nofollow" target="_blank">Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne Smith</a><a href="http://www.frugaldebtfreelife.com/podcast/overwhelmed" rel="nofollow" target="_blank">Episode 85: What I Do When I Feel Overwhelmed</a><a href="http://www.frugaldebtfreelife.com/podcast/plan2023-6ltkm" rel="nofollow" target="_blank">Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions</a><a href="http://www.frugaldebtfreelife.com/podcast/blockschedule" rel="nofollow" target="_blank">Episode 75: Learning to create a block schedule that works</a>

Episode 93: How Comparison Tanks Your Finances and What to Do About it

Other Episodes you will love: Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne SmithEpisode 85: What I Do When I Feel OverwhelmedEpisode 80:The Middle of the Month Budget Hurdle + How to Make Faster DecisionsEpisode 75: Learning to create a block schedule that works

Other Episodes you will love: <a href="http://www.frugaldebtfreelife.com/podcast/baby" rel="nofollow" target="_blank">Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne Smith</a><a href="http://www.frugaldebtfreelife.com/podcast/overwhelmed" rel="nofollow" target="_blank">Episode 85: What I Do When I Feel Overwhelmed</a><a href="http://www.frugaldebtfreelife.com/podcast/plan2023-6ltkm" rel="nofollow" target="_blank">Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions</a><a href="http://www.frugaldebtfreelife.com/podcast/blockschedule" rel="nofollow" target="_blank">Episode 75: Learning to create a block schedule that works</a>

Episode 92: Making Time for What You Want (Goals Focus)

Episode 91: Beating Budget Burnout with Shay from Front Porch Finances What she cut to pay off debt. How to beat budget burnout.Our best thrifting tips and tricks Connect with Shay on Instagram: https://www.instagram.com/frontporchfinances/Grab Shay’s Book Budget Burnout: 12 weeks to get out of your budget slump and accelerate your goals https://www.amazon.com/dp/B0C12BQHYL/ref=nodl_?ref_=pe_3052080_276849420&amp;dplnkId=05c3fd15-b102-45b2-a279-a78d358c8dcdOther Episodes you will love: Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne SmithEpisode 85: What I Do When I Feel OverwhelmedEpisode 80:The Middle of the Month Budget Hurdle + How to Make Faster DecisionsEpisode 75: Learning to create a block schedule that works

Episode 91: Beating Budget Burnout with Shay from Front Porch Finances What she cut to pay off debt. How to beat budget burnout.Our best thrifting tips and tricks Connect with Shay on Instagram: <a href="https://www.instagram.com/frontporchfinances/" rel="nofollow" target="_blank">https://www.instagram.com/frontporchfinances/</a>Grab Shay’s Book Budget Burnout: 12 weeks to get out of your budget slump and accelerate your goals <a href="https://www.amazon.com/dp/B0C12BQHYL/ref=nodl_?ref_=pe_3052080_276849420&amp;dplnkId=05c3fd15-b102-45b2-a279-a78d358c8dcd" rel="nofollow" target="_blank">https://www.amazon.com/dp/B0C12BQHYL/ref=nodl_?ref_=pe_3052080_276849420&amp;dplnkId=05c3fd15-b102-45b2-a279-a78d358c8dcd</a>Other Episodes you will love: <a href="http://www.frugaldebtfreelife.com/podcast/baby" rel="nofollow" target="_blank">Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne Smith</a><a href="http://www.frugaldebtfreelife.com/podcast/overwhelmed" rel="nofollow" target="_blank">Episode 85: What I Do When I Feel Overwhelmed</a><a href="http://www.frugaldebtfreelife.com/podcast/plan2023-6ltkm" rel="nofollow" target="_blank">Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions</a><a href="http://www.frugaldebtfreelife.com/podcast/blockschedule" rel="nofollow" target="_blank">Episode 75: Learning to create a block schedule that works</a>

Episode 91: Beating Budget Burnout and Best Thrifting Tips with Front Porch Finances

We’re chatting:How she keeps her grocery budget low. Her meal planning method. Her famous Instant Pot spaghetti and meatballs. Connect with Rachel on Instagram: https://www.instagram.com/heyrachelcoons/Her Reel on Keeping Produce Fresh:  https://www.instagram.com/p/CrzI7zcMdNt/Grab my Ebook, Just Start:The Quick Launch Guide to Launching Your Virtual Assistant Business for just $5 https://www.frugaldebtfreelife.com/shop/just-start-the-quick-guide-to-launching-your-virtual-assistant-business-is-your-toolbox-to-help-you-get-startednbspOther Episodes you will love: Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne SmithEpisode 85: What I Do When I Feel OverwhelmedEpisode 80:The Middle of the Month Budget Hurdle + How to Make Faster DecisionsEpisode 75: Learning to create a block schedule that works

We’re chatting:How she keeps her grocery budget low. Her meal planning method. Her famous Instant Pot spaghetti and meatballs. Connect with Rachel on Instagram: <a href="https://www.instagram.com/heyrachelcoons/" rel="nofollow" target="_blank">https://www.instagram.com/heyrachelcoons/</a>Her Reel on Keeping Produce Fresh:  <a href="https://www.instagram.com/p/CrzI7zcMdNt/" rel="nofollow" target="_blank">https://www.instagram.com/p/CrzI7zcMdNt/</a>Grab my Ebook, Just Start:The Quick Launch Guide to Launching Your Virtual Assistant Business for just $5 <a href="https://www.frugaldebtfreelife.com/shop/just-start-the-quick-guide-to-launching-your-virtual-assistant-business-is-your-toolbox-to-help-you-get-startednbsp" rel="nofollow" target="_blank">https://www.frugaldebtfreelife.com/shop/just-start-the-quick-guide-to-launching-your-virtual-assistant-business-is-your-toolbox-to-help-you-get-startednbsp</a>Other Episodes you will love: <a href="http://www.frugaldebtfreelife.com/podcast/baby" rel="nofollow" target="_blank">Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne Smith</a><a href="http://www.frugaldebtfreelife.com/podcast/overwhelmed" rel="nofollow" target="_blank">Episode 85: What I Do When I Feel Overwhelmed</a><a href="http://www.frugaldebtfreelife.com/podcast/plan2023-6ltkm" rel="nofollow" target="_blank">Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions</a><a href="http://www.frugaldebtfreelife.com/podcast/blockschedule" rel="nofollow" target="_blank">Episode 75: Learning to create a block schedule that works</a>

Episode 90: How a California Mom Feeds Her Family for $5 Per Person Per Day  

Wedding season will be here soon. Today I wanted to talk about some ways to save money on your big day. I am chatting with my friend Kilee and we are discussing how she planned her 2019 wedding for around $10,000. What’s in this episode:How to prioritize your wedding budgetWhere to cut costsWhy you should hire a day of coordinatorThe surprising ways you can save on your nuptials. Other episodes you’ll enjoy: Kilee’s YouTube https://www.youtube.com/channel/UCDcJNxWQA-GZGkPVleBMyXAKilee’s Instagram https://www.instagram.com/kileerainbow/?hl=enCome say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Wedding season will be here soon. Today I wanted to talk about some ways to save money on your big day. I am chatting with my friend Kilee and we are discussing how she planned her 2019 wedding for around $10,000. What’s in this episode:How to prioritize your wedding budgetWhere to cut costsWhy you should hire a day of coordinatorThe surprising ways you can save on your nuptials. Other episodes you’ll enjoy: Kilee’s YouTube <a href="https://www.youtube.com/channel/UCDcJNxWQA-GZGkPVleBMyXA" rel="nofollow" target="_blank">https://www.youtube.com/channel/UCDcJNxWQA-GZGkPVleBMyXA</a>Kilee’s Instagram <a href="https://www.instagram.com/kileerainbow/?hl=en" rel="nofollow" target="_blank">https://www.instagram.com/kileerainbow/?hl=en</a><a href="https://www.instagram.com/lydiasenn/" rel="nofollow" target="_blank">Come say hi on Instagram.  </a>Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 89: Planning a Wedding On a Budget 

Today I am excited to be chatting with Keali Scheider, a Virtual Assistant and systems creator. We’re chatting:How she transitioned from a traditional 9-5 to being her own boss. Budgeting on an inconsistent income.How to work in pockets of time. Connect with Keali on Instagram: https://www.instagram.com/kealischeider/Grab my Ebook, Just Start:The Quick Launch Guide to Launching Your Virtual Assistant Business for just $5 https://www.frugaldebtfreelife.com/shop/just-start-the-quick-guide-to-launching-your-virtual-assistant-business-is-your-toolbox-to-help-you-get-startednbspOther Episodes you will love: Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne SmithEpisode 85: What I Do When I Feel OverwhelmedEpisode 80:The Middle of the Month Budget Hurdle + How to Make Faster DecisionsEpisode 75: Learning to create a block schedule that works

Today I am excited to be chatting with Keali Scheider, a Virtual Assistant and systems creator. We’re chatting:How she transitioned from a traditional 9-5 to being her own boss. Budgeting on an inconsistent income.How to work in pockets of time. Connect with Keali on Instagram: <a href="https://www.instagram.com/kealischeider/" rel="nofollow" target="_blank">https://www.instagram.com/kealischeider/</a>Grab my Ebook, Just Start:The Quick Launch Guide to Launching Your Virtual Assistant Business for just $5 <a href="https://www.frugaldebtfreelife.com/shop/just-start-the-quick-guide-to-launching-your-virtual-assistant-business-is-your-toolbox-to-help-you-get-startednbsp" rel="nofollow" target="_blank">https://www.frugaldebtfreelife.com/shop/just-start-the-quick-guide-to-launching-your-virtual-assistant-business-is-your-toolbox-to-help-you-get-startednbsp</a>Other Episodes you will love: <a href="http://www.frugaldebtfreelife.com/podcast/baby" rel="nofollow" target="_blank">Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne Smith</a><a href="http://www.frugaldebtfreelife.com/podcast/overwhelmed" rel="nofollow" target="_blank">Episode 85: What I Do When I Feel Overwhelmed</a><a href="http://www.frugaldebtfreelife.com/podcast/plan2023-6ltkm" rel="nofollow" target="_blank">Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions</a><a href="http://www.frugaldebtfreelife.com/podcast/blockschedule" rel="nofollow" target="_blank">Episode 75: Learning to create a block schedule that works</a>

Episode 88: How One Woman Launched a Full Time Business From Home, How to Prep Your Finances to Start a Business  

Are you a student loan borrower in limbo wondering what is happening and how we got here? Or are you a taxpayer also wondering what is going on here? Today’s episode is a timeline of events in the student loan forgiveness program. CTA: Sign Up for the 5-Day FREE email workshop Debt Detox! https://frugaldebtfreelife.com/debt-detoxWhat’s in this episode:Come sign up for my free email workshop Debt Detox! A timeline of the student loan forgiveness programWho is suing over the program? What is the SoFi lawsuit all about. How does this impact borrowers?When will my payment be due? Come say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Are you a student loan borrower in limbo wondering what is happening and how we got here? Or are you a taxpayer also wondering what is going on here? Today’s episode is a timeline of events in the student loan forgiveness program. CTA: Sign Up for the 5-Day FREE email workshop Debt Detox! <a href="https://frugaldebtfreelife.com/debt-detox" rel="nofollow" target="_blank">https://frugaldebtfreelife.com/debt-detox</a>What’s in this episode:Come sign up for my free email workshop Debt Detox! A timeline of the student loan forgiveness programWho is suing over the program? What is the SoFi lawsuit all about. How does this impact borrowers?When will my payment be due? <a href="https://www.instagram.com/lydiasenn/" rel="nofollow" target="_blank">Come say hi on Instagram.  </a>Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 87: What is going on with Student Loans? 

Anne Smith

Today I am chatting with Kelly Ann Smith from Freedom in a Budget.  Today we are discussing the unexpected cost of motherhood and the things we thought were completely worth the money. Kelly’s grocery savings course.Kelly’s entrepreneurial course - Dreamer to Profitable Link to free budgeting spreadsheet. Come say hi on Instagram.  

Today I am chatting with Kelly Ann Smith from <a href="https://freedominabudget.com" rel="nofollow" target="_blank">Freedom in a Budget</a>. Today we are discussing the unexpected cost of motherhood and the things we thought were completely worth the money. <a href="https://freedominabudget.teachable.com/p/how-to-save-money-on-groceries" rel="nofollow" target="_blank">Kelly’s grocery savings course.</a><a href="https://freedominabudget.teachable.com/p/entrepreneur-academy" rel="nofollow" target="_blank">Kelly’s entrepreneurial course - Dreamer to Profitable </a><a href="https://docs.google.com/spreadsheets/d/1j9tK50YOg2VOK6AqeI7lBJ-t4L5f7RGmYstYVJunvfw/edit?usp=sharing" rel="nofollow" target="_blank">Link to free budgeting spreadsheet. </a><a href="https://www.instagram.com/lydiasenn/" rel="nofollow" target="_blank">Come say hi on Instagram.  </a>

Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne Smith

A podcast dedicated to helping moms live their best life debt free, create income and live simply

Do you find yourself waking up feeling overwhelmed, anxious, or unsettled? I have a lot lately. I mean we are living in a global pandemic. People are losing jobs, the economy is tanking and you can’t find basic staples in the store.But over the years as I have faced trials and tragedy I have learned a few tricks for dealing with bad feelings.Brain Dump Template www.frugaldebtfreelife.com/main/braindumpprintGet upside and save on gas https://upside.app.link/LYDIA75737Get $1.49 per meal by going to EveryPlate.com and entering my code LYDIASENN149. Use it to receive 3 weeks of meals! http://bit.ly/3XwDhw4

Do you find yourself waking up feeling overwhelmed, anxious, or unsettled? I have a lot lately. I mean we are living in a global pandemic. People are losing jobs, the economy is tanking and you can’t find basic staples in the store.But over the years as I have faced trials and tragedy I have learned a few tricks for dealing with bad feelings.Brain Dump Template <a href="http://www.frugaldebtfreelife.com/main/braindumpprint" rel="nofollow" target="_blank">www.frugaldebtfreelife.com/main/braindumpprint</a>Get upside and save on gas <a href="http://www.frugaldebtfreelife.com/main/6-tips-for-dealing-with-negative-feelings" rel="nofollow" target="_blank">https://upside.app.link/LYDIA75737</a>Get $1.49 per meal by going to <a href="http://EveryPlate.com" rel="nofollow" target="_blank">EveryPlate.com</a> and entering my code LYDIASENN149. Use it to receive 3 weeks of meals! <a href="http://bit.ly/3XwDhw4" rel="nofollow" target="_blank">http://bit.ly/3XwDhw4</a>

Episode 85: What I Do When I Feel Overwhelmed 

I got a comment on my YouTube channel that said “I have a lot of goals a lot of things I want to do I want to plan for retirement my kids' college pay down debt upgrade my house buy a new car save for vacations. How do I know what to do first?”Discussed in this episode:How I determine short-term and long-term goalsWhere to set your financial intentions first What some of my personal goals areHow to focus on what really matters to you. Grab my emergency printable binder here: https://www.frugaldebtfreelife.com/emergency-binder

I got a comment on my YouTube channel that said “I have a lot of goals a lot of things I want to do I want to plan for retirement my kids' college pay down debt upgrade my house buy a new car save for vacations. How do I know what to do first?”Discussed in this episode:How I determine short-term and long-term goalsWhere to set your financial intentions first What some of my personal goals areHow to focus on what really matters to you. Grab my emergency printable binder here: <a href="https://www.frugaldebtfreelife.com/emergency-binder" rel="nofollow" target="_blank">https://www.frugaldebtfreelife.com/emergency-binder</a>

Episode 84: Which Financial Goals Do I Prioritize First? 

I have felt very frustrated and overwhelmed with grocery prices and I’m sure you have too. Today I am sharing a few practical tips for cutting grocery costs, reducing food waste and feeling a little more in control despite rising prices. My method for meal planning that reduces waste Is buying in bulk really helpful?How prepping produce savesThe trick that absolutely changed everythingCome say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

I have felt very frustrated and overwhelmed with grocery prices and I’m sure you have too. Today I am sharing a few practical tips for cutting grocery costs, reducing food waste and feeling a little more in control despite rising prices. My method for meal planning that reduces waste Is buying in bulk really helpful?How prepping produce savesThe trick that absolutely changed everything<a href="https://www.instagram.com/lydiasenn/" rel="nofollow" target="_blank">Come say hi on Instagram.  </a>Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 83: Cutting Grocery Costs 

How to Win With Money This YearAre you stuck in the same pattern of trying to be more responsible with your money but also feeling overwhelmed with all of the things you “should” be doing? Today I am going to share with you a few ways to win with money this year. Here’s the secret, pick one and start with that. Discussed in this episode: Why budgeting by paycheck might work better for you. Why a spending audit can benefit you this year. Some of my goals for the year. A little rant on healthcare. How much emergency fund is actually enough?  Other Episodes You’re Going to LoveEpisode 74: Overcoming money shame and lifting up other voices in the finance communityEpisode 77: How I'm Developing Good Habits in The New YearCome say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

How to Win With Money This YearAre you stuck in the same pattern of trying to be more responsible with your money but also feeling overwhelmed with all of the things you “should” be doing? Today I am going to share with you a few ways to win with money this year. Here’s the secret, pick one and start with that. Discussed in this episode: Why budgeting by paycheck might work better for you. Why a spending audit can benefit you this year. Some of my goals for the year. A little rant on healthcare. How much emergency fund is actually enough?  Other Episodes You’re Going to Love <a href="http://www.frugaldebtfreelife.com/podcast/vee" rel="nofollow" target="_blank">Episode 74: Overcoming money shame and lifting up other voices in the finance community</a><a href="http://www.frugaldebtfreelife.com/podcast/newhabits" rel="nofollow" target="_blank">Episode 77: How I'm Developing Good Habits in The New Year</a><a href="https://www.instagram.com/lydiasenn/" rel="nofollow" target="_blank">Come say hi on Instagram.  </a>Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 82: How to Win With Money This Year

When we talked getting out of debt it can feel a bit overwhelming, right? Like it takes a lot of HUGE changes to get out of debt. 1. Don't let your emotions dictate how you spend your money.Ask yourself, "Am I still going to feel this way a week from now? Am I still going to feel this way when I wake up tomorrow morning?"2. Don't buy things just because they're on sale. Ask yourself: Do I really need this? Where am I going to put it? Do I have the money to spend? Have I budgeted for it? Am I going to have to take the money from somewhere else?  3. Don't spend money that you don't have yet. Start learning to say no to yourself and start learning to say yes to your future. It's delayed gratification. Everybody struggles with delayed gratification in one area of their life or another. Oftentimes, that is in money. We want what we want and we want it right now.What about you? What are some small changes you've had to make to become debt free?  Other Episodes You’re Going to LoveEpisode 74: Overcoming money shame and lifting up other voices in the finance communityEpisode 77: How I'm Developing Good Habits in The New YearCome say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

When we talked getting out of debt it can feel a bit overwhelming, right? Like it takes a lot of HUGE changes to get out of debt. 1. Don't let your emotions dictate how you spend your money.Ask yourself, "Am I still going to feel this way a week from now? Am I still going to feel this way when I wake up tomorrow morning?"2. Don't buy things just because they're on sale. Ask yourself: Do I really need this? Where am I going to put it? Do I have the money to spend? Have I budgeted for it? Am I going to have to take the money from somewhere else?  3. Don't spend money that you don't have yet. Start learning to say no to yourself and start learning to say yes to your future. It's delayed gratification. Everybody struggles with delayed gratification in one area of their life or another. Oftentimes, that is in money. We want what we want and we want it right now.What about you? What are some small changes you've had to make to become debt free?  Other Episodes You’re Going to Love <a href="http://www.frugaldebtfreelife.com/podcast/vee" rel="nofollow" target="_blank">Episode 74: Overcoming money shame and lifting up other voices in the finance community</a><a href="http://www.frugaldebtfreelife.com/podcast/newhabits" rel="nofollow" target="_blank">Episode 77: How I'm Developing Good Habits in The New Year</a><a href="https://www.instagram.com/lydiasenn/" rel="nofollow" target="_blank">Come say hi on Instagram.  </a>Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 81: Can Small Changes Make a Difference in Your Finances + Prioritizing Wants Vs. Needs

Today we’re going to be chatting on not one but TWO topics. One pertains to life and one pertains to money. What do you do when your budget hits a wall in the middle of the month? How do you get to be a better decision-maker? In this episode, I share some practical insight on dealing with sudden budget changes and challenges.I also discuss the four things I consider when making a decision. CTA: Check out Upside the app that gives you cash back on gas! https://upside.app.link/LYDIA75737  Other Episodes You’re Going to LoveEpisode 74: Overcoming money shame and lifting up other voices in the finance communityEpisode 77: How I'm Developing Good Habits in The New YearCome say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Today we’re going to be chatting on not one but TWO topics. One pertains to life and one pertains to money. <ol><li>What do you do when your budget hits a wall in the middle of the month? </li><li>How do you get to be a better decision-maker? </li></ol>In this episode, I share some practical insight on dealing with sudden budget changes and challenges.I also discuss the four things I consider when making a decision. CTA: Check out Upside the app that gives you cash back on gas! https://upside.app.link/LYDIA75737 Other Episodes You’re Going to Love <a href="http://www.frugaldebtfreelife.com/podcast/vee" rel="nofollow" target="_blank">Episode 74: Overcoming money shame and lifting up other voices in the finance community</a><a href="http://www.frugaldebtfreelife.com/podcast/newhabits" rel="nofollow" target="_blank">Episode 77: How I'm Developing Good Habits in The New Year</a><a href="https://www.instagram.com/lydiasenn/" rel="nofollow" target="_blank">Come say hi on Instagram.  </a>Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions 

Are you hoping to feel a little more prepared and planned this year? Today I am going to tell you how I plan my year in just one hour. Other Episodes You’re Going to LoveEpisode 74: Overcoming money shame and lifting up other voices in the finance communityEpisode 77: How I'm Developing Good Habits in The New YearCome say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Are you hoping to feel a little more prepared and planned this year? Today I am going to tell you how I plan my year in just one hour. Other Episodes You’re Going to Love <a href="http://www.frugaldebtfreelife.com/podcast/vee" rel="nofollow" target="_blank">Episode 74: Overcoming money shame and lifting up other voices in the finance community</a><a href="http://www.frugaldebtfreelife.com/podcast/newhabits" rel="nofollow" target="_blank">Episode 77: How I'm Developing Good Habits in The New Year</a><a href="https://www.instagram.com/lydiasenn/" rel="nofollow" target="_blank">Come say hi on Instagram.  </a>Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 79: How I Plan My Entire Year in Just One Hou

Jen Smith

Do you feel stuck in a cycle of debt and stress? Today I am sitting down with Jen Smith from the Frugal Friends podcast to talk about how to live a life that aligns with your core values while still paying off debt. Jen and Jill put out two episodes a week where they share tips, information and stories about becoming debt free and managing your money. And it’s all in a relatable, nonjudgy and hilarious way. Listen to Jen’s show: https://www.frugalfriendspodcast.com/Grab the free Ebook: https://exclusive.modernfrugality.com/free-modern-frugal-living-ebook/Listen to all the previous episode of Frugal Debt Free Life.  http://www.frugaldebtfreelife.com/podcastCome say hi on Instagram.  https://www.instagram.com/lydiasenn/

Do you feel stuck in a cycle of debt and stress? Today I am sitting down with<a href="https://www.frugalfriendspodcast.com/" rel="nofollow" target="_blank"> Jen Smith from the Frugal Friends podcast</a> to talk about how to live a life that aligns with your core values while still paying off debt. Jen and Jill put out two episodes a week where they share tips, information and stories about becoming debt free and managing your money. And it’s all in a relatable, nonjudgy and hilarious way. Listen to Jen’s show: <a href="https://www.frugalfriendspodcast.com/" rel="nofollow" target="_blank">https://www.frugalfriendspodcast.com/</a>Grab the free Ebook: <a href="https://exclusive.modernfrugality.com/free-modern-frugal-living-ebook/" rel="nofollow" target="_blank">https://exclusive.modernfrugality.com/free-modern-frugal-living-ebook/</a>Listen to all the previous episode of Frugal Debt Free Life.  <a href="http://www.frugaldebtfreelife.com/podcast" rel="nofollow" target="_blank">http://www.frugaldebtfreelife.com/podcast</a><a href="https://www.instagram.com/lydiasenn/" rel="nofollow" target="_blank">Come say hi on Instagram.  https://www.instagram.com/lydiasenn/</a>

Episode 78: Not Staying Bound to the Path Your On with Jen Smith from the Frugal Friends Podcast

Are you looking to develop more sustainable habits in 2023? Aren’t we all. Today I am sharing my plan. CTA: Use code LYDIA25 to get 25% off your first order at Bellway https://bit.ly/3Uk50zcCome say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Are you looking to develop more sustainable habits in 2023? Aren’t we all. Today I am sharing my plan. CTA: Use code LYDIA25 to get 25% off your first order at Bellway <a href="https://bit.ly/3Uk50zc" rel="nofollow" target="_blank">https://bit.ly/3Uk50zc</a><a href="https://www.instagram.com/lydiasenn/" rel="nofollow" target="_blank">Come say hi on Instagram.  </a>Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 77: How I'm Developing Good Habits in The New Year

Use code: FOURTHREETWO149 to get EveryPlate for just $1.49 per meal in the first box https://bit.ly/3Uelnh6 @OldWorldHome Christmas Planner 2022 https://amzn.to/3UUyNPJ

Use code: FOURTHREETWO149 to get EveryPlate for just $1.49 per meal in the first box <a href="https://bit.ly/3Uelnh6" rel="nofollow" target="_blank">https://bit.ly/3Uelnh6</a> <a href="https://studio.youtube.com/channel/UC-ey0mkuWDhxbKeZaJWpXxw" rel="nofollow" target="_blank">@OldWorldHome </a>Christmas Planner 2022 <a href="https://amzn.to/3UUyNPJ" rel="nofollow" target="_blank">https://amzn.to/3UUyNPJ</a>

Episode 76: Prepping Our Budgets and Calendars for Christmas

This was the my first listen..and it was really good...

Habits of frugal people...

This podcast is the motivation I need to keep crushing my goals. Highly recommend!

She is so relatable and down to earth!

Frugal Debt Free Life

Have you ever wondered what people who are good at saving money are doing that you aren’t? Today I am breaking down a few things that highly frugal people do daily.Looking for more info on habit forming? Four small habits that can change your life9 frugal habits that save a lot of money: how to live debt freeFive great habits to start THIS monthWant to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Have you ever wondered what people who are good at saving money are doing that you aren’t? Today I am breaking down a few things that highly frugal people do daily.Looking for more info on habit forming? <a href="http://www.frugaldebtfreelife.com/main/fourhabits" rel="nofollow" target="_blank">Four small habits that can change your life</a><a href="http://www.frugaldebtfreelife.com/main/9frugalhabits" rel="nofollow" target="_blank">9 frugal habits that save a lot of money: how to live debt free</a><a href="http://www.frugaldebtfreelife.com/main/five-great-habits-to-start-this-month" rel="nofollow" target="_blank">Five great habits to start THIS month</a>Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 12: Habits of highly frugal people 

This is a conversation that we need to be having more of because pretending like we're perfect little money angels doesn't help anyone.Today I wanted to share a few things I regret and mistakes I made and how I am learning to get past them.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

This is a conversation that we need to be having more of because pretending like we're perfect little money angels doesn't help anyone.Today I wanted to share a few things I regret and mistakes I made and how I am learning to get past them. Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 10: Money mistakes, regrets and guilt 

I like to refer to my emergency fund as my financial secret weapon. But if you’re starting from scratch the idea of building an emergency fund might be a little overwhelming. So today I am going to give you a few tips to help you build that emergency fund faster. This is my plea to you -- to stop whatever it is you are doing and go right now and start working on an emergency fund.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

I like to refer to my emergency fund as my financial secret weapon. But if you’re starting from scratch the idea of building an emergency fund might be a little overwhelming. So today I am going to give you a few tips to help you build that emergency fund faster. This is my plea to you -- to stop whatever it is you are doing and go right now and start working on an emergency fund.  Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 8: How to build your emergency fund FAST

The word budget doesn't exactly make your heart sing with joy. That's okay. You still need to do it and here are a few tips to get you started.Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify! 

The word budget doesn't exactly make your heart sing with joy. That's okay. You still need to do it and here are a few tips to get you started.Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 5: How to budget when you have NO clue what you're doing

A few weeks ago a friend of mine shared a really funny picture on Instagram, it said: “Dear student loans, thank you for getting me through college, I can never repay you.” I will admit it’s a pretty funny meme. But I don't necessarily think it's true. Student loan debt in the U.S. is out of control at an estimated $1.2 trillion. (source) Can your brain even fathom that number??According to one report, 59 percent of the overall student loan debt is carried by people who didn’t even finish college. Also, student loan debt from those who didn’t finish school is less like to get paid off, which is both a sad and telling statement about the overall student loan “crisis.” But student loan debt can be paid off, and in less time than your loan terms indicate. The average debt carried by 2015 graduates (who took out loans) is $35,000. While that is a big number, it is still a number that can get paid off quickly if you have a plan. While I was fortunate enough to graduate from college with no debts, my husband took out student loans totaling about $20,000 it took us 8 years to pay them off, but at least, they’re gone now.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

A few weeks ago a friend of mine shared a really funny picture on Instagram, it said: “Dear student loans, thank you for getting me through college, I can never repay you.” I will admit it’s a pretty funny meme. But I don't necessarily think it's true. Student loan debt in the U.S. is out of control at an estimated $1.2 trillion. (<a href="http://www.usnews.com/news/articles/2015/06/08/heaviest-college-debt-burdens-fall-on-3-types-of-students" rel="nofollow" target="_blank">source</a>) Can your brain even fathom that number??According to <a href="http://www.usnews.com/news/articles/2015/06/08/heaviest-college-debt-burdens-fall-on-3-types-of-students" rel="nofollow" target="_blank">one repor</a>t, 59 percent of the overall student loan debt is carried by people who didn’t even finish college. Also, student loan debt from those who didn’t finish school is less like to get paid off, which is both a sad and telling statement about the overall student loan “crisis.”  But student loan debt can be paid off, and in less time than your loan terms indicate. The average debt carried by 2015 graduates (who took out loans) is $35,000. While that is a big number, it is still a number that can get paid off quickly if you have a plan. While I was fortunate enough to graduate from college with no debts, my husband took out student loans totaling about $20,000 it took us 8 years to pay them off, but at least, they’re gone now.  Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 11: Scary student loan stats and how to pay them off 

Life is full of sudden changes, slow changes, and ups and downs. Anytime we get off-balance, sometimes that's when our spending gets out of control, or maybe our thought process isn't the most rational. So today I wanted to tell you of a few times when you might want to avoid making big purchases.Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Life is full of sudden changes, slow changes, and ups and downs. Anytime we get off-balance, sometimes that's when our spending gets out of control, or maybe our thought process isn't the most rational. So today I wanted to tell you of a few times when you might want to avoid making big purchases.Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 6: How to spot spending triggers and avoid them 

It feels so overwhelming when you’re working so hard and not getting ahead. And it can become so easy to look at what another family is doing and what is working for them and feel like a total failure. But you’re not. Today I want to offer you a little encouragement, but I also want to give you a few ideas of things you can do when you just feel like it’s not working. Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify! 

It feels so overwhelming when you’re working so hard and not getting ahead. And it can become so easy to look at what another family is doing and what is working for them and feel like a total failure. But you’re not. Today I want to offer you a little encouragement, but I also want to give you a few ideas of things you can do when you just feel like it’s not working. Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 3: Don't quit on yourself 

Money Regret

Today I'm talking about my biggest regret when it comes to marriage and money.  For those of you who don't know, my husband Jason and I have been married for twelve years. And we did not combine our finances for the first five years of our marriage. I think that that led to a lot of the money problems that we ended up having — because we did not have accountability.He had his checking account. I had my checking account. We thought we had a pretty good system. He would pay the mortgage out of his account and I would pay all the bills out of mine. We thought this was fine; this was just a great way to keep things afloat and to keep things going. You have your money and I have my money and we're good.Some people can handle life that way. But we couldn't. There was a lack of accountability. There was a lack of structure. We weren't communicating. And, really, I feel like our marriage was missing something as a result. Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify! 

Today I'm talking about my biggest regret when it comes to marriage and money.  For those of you who don't know, my husband Jason and I have been married for twelve years. And we did not combine our finances for the first five years of our marriage. I think that that led to a lot of the money problems that we ended up having — because we did not have accountability.He had his checking account. I had my checking account. We thought we had a pretty good system. He would pay the mortgage out of his account and I would pay all the bills out of mine. We thought this was fine; this was just a great way to keep things afloat and to keep things going. You have your money and I have my money and we're good.Some people can handle life that way. But we couldn't. There was a lack of accountability. There was a lack of structure. We weren't communicating. And, really, I feel like our marriage was missing something as a result. Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 4: My biggest marriage and money regret 

Today I am sitting down with my husband to get real and honest. Referenced in this podcast:EveryDollar appMy biggest marriage and money regretLooking for more info on habit-forming? Four small habits that can change your life9 frugal habits that save a lot of money: how to live debt freeFive great habits to start THIS monthWant to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Today I am sitting down with my husband to get real and honest. Referenced in this podcast:<a href="https://www.everydollar.com/?gclid=EAIaIQobChMI8PyPpqT65QIViJyzCh1yYgH_EAAYASAAEgK1uPD_BwE" rel="nofollow" target="_blank">EveryDollar app</a><a href="http://www.frugaldebtfreelife.com/podcast/episode-4-my-biggest-marriage-and-money-regret" rel="nofollow" target="_blank">My biggest marriage and money regret</a>Looking for more info on habit-forming? <a href="http://www.frugaldebtfreelife.com/main/fourhabits" rel="nofollow" target="_blank">Four small habits that can change your life</a><a href="http://www.frugaldebtfreelife.com/main/9frugalhabits" rel="nofollow" target="_blank">9 frugal habits that save a lot of money: how to live debt free</a><a href="http://www.frugaldebtfreelife.com/main/five-great-habits-to-start-this-month" rel="nofollow" target="_blank">Five great habits to start THIS month</a>Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 13: How my husband got me to budget 

It’s so easy to compare yourself to where others are in their debt free journey, or just life in general. Today I wanted to share with you how and why I just stopped caring and how that gave me so much more mental clarity and emotional freedom. This process is hard enough without feeling like we need to constant measure our success against an invisible benchmark of someone else’s life.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

It’s so easy to compare yourself to where others are in their debt free journey, or just life in general. Today I wanted to share with you how and why I just stopped caring and how that gave me so much more mental clarity and emotional freedom. This process is hard enough without feeling like we need to constant measure our success against an invisible benchmark of someone else’s life. Want to subscribe and listen on the go? You can do that on <a href="https://podcasts.apple.com/us/podcast/frugal-debt-free-life/id1455681572" rel="nofollow" target="_blank">iTunes</a>, <a href="https://www.stitcher.com/podcast/lydia-senn/frugal-debt-free-life" rel="nofollow" target="_blank">Stitcher</a>, <a href="https://play.google.com/music/m/I2ptjyvz4gu54kea2w2tmatjqbq?t=Frugal_Debt_Free_Life" rel="nofollow" target="_blank">Google Play </a>and <a href="https://open.spotify.com/show/4Pn2T02GYIc1UV6G9clofz?si=mmw3WCcgRbyvC_TxWQW-hQ" rel="nofollow" target="_blank">Spotify</a>!

Episode 7: The art of not caring 

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