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Frugal Friends Podcast

Author: Jen Smith & Jill Sirianni | Backyard Ventures

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Controlling your spending is hard to do. On every episode of Frugal Friends, we'll try to help you gain a little more control on one aspect of the countless directions your money is being pulled toward through frugality and a few laughs. If you're trying to save money, spend less, adopt minimalism, pay off debt or reach financial independence, we think you'll like the show.
585 Episodes
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This is an old, classic piece of money advice that many people use to learn personal finance, but the world has changed a lot, and we can’t expect it to work the same way anymore. In this episode, Jen and Jill talk about the ways 'Baby Steps Framework' are still valid and the ways they believe they should be updated.🎙️ Get full show notes here!https://bit.ly/ffpbabysteps2026 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Tired of the same old money advice every year? Couldn’t be us. These aren’t new tips for the sake of being new but new hacks that are actually worth your time. Tune in today as we dive into 13 brand new money-saving hacks that have only been around for the last 5 years.🎙️ Get full show notes here!https://bit.ly/ffp2026savinghacks 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
We’ve tested a lot of budgeting tools and apps over the years. Some are a win and some that honestly should’ve not been made. If you’re ready to finally get control of your money and pay off more debt this year, you’re in the right place. Stick with Jen and Jill as they showcase the five best budgeting apps for beginners!🎙️ Get full show notes here!https://bit.ly/ffpbudgetingapps 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
2026 is just days away, and before you know it you’ll be wondering how to make your budget work for the rest of the year. Let this be your sign if you’re planning a no-buy or low-buy year. Because Jen and Jill are breaking down exactly how to do it without the shame, burnout, or giving-up-2-weeks-in energy.🎙️ Get full show notes here!https://bit.ly/ffpnobuylowbuy 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
“Made in Italy” when it’s really made in China? Appreciating the value of luxury is an art in itself, so choosing the real thing is a valid preference but at what cost? Today, we’re pulling back the curtain on what luxury really means, exploring the rise of dupe culture, and asking whether it’s truly helping us save on quality or simply giving us a new way to justify cheap overconsumption.🎙️ Get full show notes here! https://bit.ly/ffpluxurydupe 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Money can be tricky. It can feel like it’s there when it’s not, or feel gone when you actually have enough. That confusion can push us into two extremes: depriving ourselves or overspending. Jen and Jill are here to cut through the chaos with the real fix by aligning your budget with your values so your money finally makes sense.🎙️ Get full show notes here! https://bit.ly/ffpnewbudgeting2026 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
When we talk about debt payoff, a win is a win. Because anything that gets us to pay them off is good. It is just a matter of how we use these strategies as fast and healthy as we can. Today, we’re breaking down which one fits your money personality, and show how to customize either using values-based spending so you don’t burn out before you’re debt-free.🎙️ Get full show notes here!https://bit.ly/ffpdebtstrategy 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In your 20s or 30s, you will encounter MLMs that promise communities, easy cash, and empowerment. It is important that you DO NOT fall for it so easily. Today we’re pulling back the curtain on what you need to know about the worst MLMs of 2025, some of which you may not have known were multi-level marketing.🎙️ Get full show notes here!https://bit.ly/ffpmlms 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
It’s beginning to look a lot like Christmas everywhere we go. But when the ‘spirit of giving’ looks more like a corporate marketing campaign, it’s time to talk. Today, Jen and Jill reacts to the most over-the-top holiday hauls on social media, breaking down why they’re so addicting, and showing you how to deinfluence your own holiday spending before it snowballs.🎙️ Get full show notes here!https://bit.ly/ffpchristmasoverload 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Social media made you buy that thing. And yes, it was on purpose. Today’s episode breaks down exactly how marketing psychology manipulates you and how companies use emotion, identity, and guilt to encourage you to buy things you don’t need with money you don’t have. 🎙️ Get full show notes here!https://bit.ly/ffpmarketingmanipulation📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
NOT EVERYTHING IS ON SALE THIS BLACK FRIDAY. It's dopamine. Sales are through the roof but what we don’t see are the recycled discounts, fake price drops, and psychological traps designed to make you spend more. And we’re talking all about it on today’s episode.🎙️ Get full show notes here!https://bit.ly/ffpblackfriday📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
If you’ve ever wondered whether hiring a financial advisor is actually worth it or just another money trap, this episode’s for you. We’re breaking down exactly what financial planners do, how to know if you need one, and how to find someone who actually works for you, even on a frugal budget.🎙️ Get full show notes here!https://bit.ly/ffpfinacialadvisor📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Confession time is either a cry for help or a gentle reminder to get it together. In this episode, we’re diving into some wild Reddit money confessions about how people got into debt and we’re going to give some insight on what we'd do if we were in their situation.🎙️ Get full show notes here!https://bit.ly/ffpmoneyredditstories 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Let’s be honest, the internet is full of “frugal living tips” that sound great until you try them and realize they either save you thirty-seven cents or feel like a part-time job. These are not those tips. They may be the unsexy ones but they are the ones that actually helped us pay off over $100,000 of debt. 🎙️ Get full show notes here!https://bit.ly/ffpunsexytips 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
How far would you go to trust, believe, and help a stranger online? Today we’re breaking down how social media has turned struggle into a brand, how these trends exploit both empathy and algorithms, and how it may be affecting you without you ever giving a dime.🎙️ Get full show notes here!https://bit.ly/ffpbegtok 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
If the cycle keeps repeating with meal plans, making the list, overspending, the secret isn’t in the store. It's in what happens before you shop. Today we’ll break down this one simple fix, why almost everyone skips it, and how it can instantly change the way you grocery shop without cutting out your favorite foods or clipping a single coupon.🎙️ Get full show notes here!https://bit.ly/ffpreversemealplan 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The wildest hocus pocus you’ll see this Halloween isn’t in the haunted houses, it's how Buy Now, Pay Later is leaving people trapped in debt or with ruined credit. Jen and Jill share BNPL horror stories featuring real people and truly scary consequences and how to protect yourself if you’ve already swiped your way into one of these spells.🎙️ Get full show notes here!https://bit.ly/ffpbnpl📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The right amount of money in the wrong place is still wasted money. So Jen and Jill spent years testing different savings accounts, earning thousands in passive income along the way, to find out which HYSAs truly deliver the best savings. In this episode, they walk us  through the best accounts this fall season and compare who they’re really good for.🎙️ Get full show notes here!https://bit.ly/ffpHYSA 📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Do money conversations make you uneasy? Today, we invited behavioral financial expert and author Carl Richards to unpack what this missing skill is and why it changes everything about the way we manage money. We’ll explore why most of us never learned it, how it impacts every financial decision we make, and what small habits can help you finally feel in control of it.🎙️ Get full show notes here!https://bit.ly/ffpmoneyconversations📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
It’s all over the news! Rate cuts are going lower and lower and you might be panicking and pressured whether to do it now or later. Jen and Jill dug into the news, cut through the speculation, and crunched the numbers so that we can help you decide whether you should refinance now or wait for possible lower rates.🎙️ Get full show notes here!https://bit.ly/ffprefinancing📘 Order the book herehttps://bit.ly/BWYL-podcast💌 Want to save money and spend better in just 5 minutes? Get The Friendletter! Our FREE 3x weekly newsletter with freebies, deals, and savings hacks.https://www.frugalfriendspodcast.com/friendletter📣 Submit your bill of the week and get a shoutout from ushttps://www.frugalfriendspodcast.com/bill-of-the-week/💸 Check out our monthly challenge communityhttp://www.frugalfriendspodcast.com/club👉🏼 Subscribe for more on YouTubehttps://www.youtube.com/frugalfriends💃🏼 Hang out with us on Instagram!https://www.instagram.com/frugalfriendspodcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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Comments (12)

Nic Ferry

have listened to every episode - and have regretted it more after each one and finally gave up. 400 episodes and they still admit 0 knowledge of basic finance knowledge and have gone further off the rails with each 'expert'.

Mar 30th
Reply (1)

Jane Black

🔴✅📺📱💻ALL>Movies>WATCH>ᗪOᗯᑎᒪOᗩᗪ>LINK>👉https://co.fastmovies.org

Feb 9th
Reply

Stephanie Matthews

something is wrong with the recording

Jun 30th
Reply

sweet dee is azor ahai

"white people think decorations are just labels" ??? what

Nov 16th
Reply

Sandy Van Hoose

I just found this podcast in late 2019 and I already love it. I'm an experienced mom or 4 grown kids ans new grandma to one. And I'm not 55 yet! I thought I'd heard all the tips and ideas but I have learned some new stuff. You two are fun to listen to! Have downloaded a bunch of older shows and there is so much I can't wait to hear! Well done!

Jan 6th
Reply (1)

Christina Larson Wilson

5 stars!!! I am a night time school custodian and it can get pretty lonely and boring cleaning at night. Enter Frugal Friends Podcast and BAM! Not only am I now being paid to clean, I am also essentially being paid to listen to their fun podcast and plan out my finances. It's definitely a win win! By the way, the "creating a budget on irregular income" was a lifesaver! I'm a substitute custodian and my husband is a 180 day teacher assistant. Because we are paid hourly, it gets tough during the school breaks. But NOW I know what to do!!! THANKS!

Dec 27th
Reply

Samantha Ball

I'm not sure where to do a review, but they get 5 stars (they jokingly coach listeners about leaving them 5 star reviews but it's well-deserved). They are funny, the podcast is professionally done and they've introduced me to other helpful resources. Thanks! Sam from Canada

Jun 22nd
Reply

mumsfun

Frugal Friends Podcast, sometimes Rambunctious and raw, but Ultimately insightful, with GIFs galore! Although not unanimous about the Lightning Round, our Frugal Friends, Jill and Jen, Really know where Frugal Freedom is found. If you are searching for Frugal Entertainment, that's second to none, and will Not disappoint, then your search is Done. Waste no more time looking, just Stay for the fun!

Feb 8th
Reply

Courtney White

this is one of my favorite podcast ever! they are informative and funny and just a joy to listen to! absolutely recommend everyone listen to them!

Dec 28th
Reply

Michelle

where are the links for the templates?

Dec 4th
Reply