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

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

Grab a Copy of my NEW eBook. https://www.frugaldebtfreelife.com/shop/create-profitable-digital-products-today NCIB 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 Smith Episode 85: What I Do When I Feel Overwhelmed Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions Episode 75: Learning to create a block schedule that works

Other Episodes you will love:  Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne Smith Episode 85: What I Do When I Feel Overwhelmed Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions Episode 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: 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&dplnkId=05c3fd15-b102-45b2-a279-a78d358c8dcd Other Episodes you will love:  Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne Smith Episode 85: What I Do When I Feel Overwhelmed Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions Episode 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: 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-startednbsp Other Episodes you will love:  Episode 86: The Unexpected Expenses of Having a Baby and Purchases that Were WORTH IT (With Kelly Anne Smith Episode 85: What I Do When I Feel Overwhelmed Episode 80:The Middle of the Month Budget Hurdle + How to Make Faster Decisions Episode 75: Learning to create a block schedule that works

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 budget Where to cut costs Why you should hire a day of coordinator The surprising ways you can save on your nuptials.  Other episodes you’ll enjoy:  Kilee’s YouTube https://www.youtube.com/channel/UCDcJNxWQA-GZGkPVleBMyXA Kilee’s Instagram https://www.instagram.com/kileerainbow/?hl=en Come say hi on Instagram.   Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

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

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-detox What’s in this episode: Come sign up for my free email workshop Debt Detox!  A timeline of the student loan forgiveness program Who 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!

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.  

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/braindumpprint Get upside and save on gas https://upside.app.link/LYDIA75737 Get $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

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 goals Where to set your financial intentions first What some of my personal goals are How to focus on what really matters to you. Grab my emergency printable binder here: https://www.frugaldebtfreelife.com/emergency-binder

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 saves The trick that absolutely changed everything Come 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 Year Are 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?

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?

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

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.

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/podcast Come say hi on Instagram.  https://www.instagram.com/lydiasenn/

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/3Uk50zc Come say hi on Instagram.   Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

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