hey there!

I’m Jen and I’m here to help you take control of your spending so you can stick to your budget and reach your financial goals faster.

hey there!

I’m Jen and I want to rebrand frugality for the better. Modern Frugality is for people who want to take control of their spending, have confidence in their finances, and be able to invest generously in the things that matter most.

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Recent Posts

save money on clothes with thredUP

thredUP Review – The Good, The Bad, & How to Save Money Without Compromise

February 8, 2022

ThredUP is the largest thrift and consignment shop on the Internet, but is it right for you? In this thredUP review, you’ll learn my experience with buying, others experience selling,…

7 Things to Stop Buying to Save Money {You’ll Be Surprised}

July 7, 2021

Ever get to the end of the month, peek at your bank account, and wonder, " woah..where'd all my money go?" If so, this list of what to stop buying…

Automate Your Money

June 30, 2021

Do you ask yourself, “what does it mean to automate my finances?” Or, “should I automate my bills?” You’re in the right place if you want to learn to automate…

No Time to Read? Check out the Podcast!

The Frugal Friends Podcast is a weekly show to help you save money on the things you need, spend less on the things you don’t and find freedom in whatever path you’re taking to financial health.

modernfrugality

I’ll let you guys in on a little secret… Jill

I’ll let you guys in on a little secret… Jill and I have been working on a book proposal and it’s currently in the hands (or inboxes) of over 20 editors.

As we wait to hear back I wanted to share some books that inspired us to go in this journey. Starting with Kendra Adachi’s book, The Lazy Genius Way. We were honored to get her on the podcast back in January, she’s a gem.

These are some of my favorite quotes. Many of them relate back to money and spending.

Like the first one, it’s referring to burnout but the same principle applies to money. You can spend money on things you love. But if you love everything, welcome to being broke.

I hope these quotes inspire you and here’s to hoping we can put out a book as fantastic as the ones that have inspired us. @thelazygenius @frugalfriendspodcast

Cry hard, sleep hard.

Cry hard, sleep hard.

Having a baby tomorrow. Here’s a glimpse at the

Having a baby tomorrow. Here’s a glimpse at the best 30 minutes of my entire pregnancy. Big thanks to Hoai from @shoottphotos for these gems.

37 weeks in and I’ve decided to give up on being

37 weeks in and I’ve decided to give up on being productive. #pregnant #socloseyetsofar

I LIKE ME! 😂 Follow @modernfrugality for more d

I LIKE ME! 😂 Follow @modernfrugality for more daily affirmations and pictures of my house mid-renovations.

We are not social media influencers! 😂 But we k

We are not social media influencers! 😂 But we know community is everything! Achieving your financial goals is easier if you have a community 👭👬that shares the same passion, values, and goals. This is the main reason why the Frugal Friends Club is here!

𝐖𝐡𝐲 𝐣𝐨𝐢𝐧 𝐭𝐡𝐞 𝐅𝐫𝐮𝐠𝐚𝐥 𝐅𝐫𝐢𝐞𝐧𝐝𝐬 𝐂𝐥𝐮𝐛?🤔
⏰𝙎𝙖𝙫𝙚 𝙏𝙞𝙢𝙚
Our challenges are designed to help you get out of debt faster.

💰𝙎𝙖𝙫𝙚 𝙈𝙤𝙣𝙚𝙮
The faster you pay off the debt, the less you pay for interest which saves you money.

😴𝙎𝙖𝙫𝙚 𝙀𝙣𝙚𝙧𝙜𝙮
No need to waste time answering your queries on saving up, debt, investing, or mental health because the community is here to help.

We are excited to welcome you to the Frugal Friends Club! Visit frugalfriendspodcast.com/club or link in bio to join our community. The 50% off sale ends on January 10 so make sure to join NOW!

#frugal #frugalliving #frugallife #debtfreegoals #debtfreeliving #moneytips #moneysavingtips #debtfreejourney #debtfreecommunity #spendinghabits #smartspending #frugalfriendsclub #supportgroup #frugalgroup

Hearing that little voice in your head isn’t alw

Hearing that little voice in your head isn’t always bad — at least if it’s about saving thousands of dollars for a year👌This is exactly what Frugal Friends Club is all about!

The Frugal Friend Club is a community that helps you achieve your debt payoff goals faster. It includes a monthly challenge, courses, and video lessons that make saving up fun plus a supportive group that motivates you to reach your financial goals.

So if you want to save up, pay off debt, and meet more frugal people, then this is the community for you! Visit frugalfriendspodcast.com/club or link in bio to join now! 50% off sale ends 1/10!

#frugal #frugalliving #frugallife #debtfreegoals #debtfreeliving #moneytips #moneysavingtips #debtfreejourney #debtfreecommunity #spendinghabits #smartspending #frugalfriendsclub #supportgroup #frugalgroup

A cup of ☕ coffee won’t break the bank. But if

A cup of ☕ coffee won’t break the bank. But if you do it daily, it surely will!
A $6 latte every day for an entire year will cost you $2,200. Other financial decisions are costing you over $2K per year without you noticing it. A new car. Impulse buys on Amazon. A storage unit. The extra 200 sq ft of house you had to have but never use. And the list goes on. The moment you focus on the “hidden” costs first instead of the ones that are right in front of your face, it becomes easier to start cutting on unnecessary expenses.

If you’re ready to get in control of your spending and do better with money in 2023 today is the last day to sign up for our 𝐅𝐑𝐄𝐄 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐌𝐚𝐤𝐞𝐨𝐯𝐞𝐫 challenge Jan 2-6! We’ve got free downloads and daily live trainings to help you change and identify limiting spending habits. Link in bio and at frugalfriendspodcast.com/makeover

What are we doing in the Spending Makeover!? Over 5 days you’re going to take simple daily actions that will result in a fundamental shift in how you budget and spend money.

In 5 days or less you’ll:
⭐️Identify the triggers for your biggest spending habit
⭐️Learn how to make spending decisions based on your values
⭐️Create a spending plan that prioritizes your goals and guilt-free pleasure spending
⭐️Identify potential road blocks that could derail your progress and make a plan for dealing with them

It’s going to be AMAZING. So join us at the link in the bio or at frugalfriendspodcast.com/makeover

#frugal #frugalliving #frugallife #debtfreegoals #debtfreeliving #moneytips #moneysavingtips #debtfreejourney #debtfreecommunity #spendingmakeover #spendinghabits #smartspending #impulsespending

Budgeting is challenging especially if the problem

Budgeting is challenging especially if the problem is the budget itself. I used to be restrictive with my first budget and kept doing the same mistake thinking that the problem was me or my budgeting skills. Turns out the budget is the main problem.

Do you want to learn how to make a budget that prioritizes your goals and allows you to live fully? This is what the 𝐅𝐑𝐄𝐄 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐌𝐚𝐤𝐞𝐨𝐯𝐞𝐫 is all about 👌

If you’re ready to get in control of your spending and do better with money in 2023 sign up for our 𝐅𝐑𝐄𝐄 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐌𝐚𝐤𝐞𝐨𝐯𝐞𝐫 challenge Jan 2-6! We’ve got free downloads and daily live trainings to help you change and identify limiting spending habits. Link in bio and at frugalfriendspodcast.com/makeover

What are we doing in the Spending Makeover!? Over 5 days you’re going to take simple daily actions that will result in a fundamental shift in how you budget and spend money.

In 5 days or less you’ll:
⭐️Identify the triggers for your biggest spending habit
⭐️Learn how to make spending decisions based on your values
⭐️Create a spending plan that prioritizes your goals and guilt-free pleasure spending
⭐️Identify potential road blocks that could derail your progress and make a plan for dealing with them

It’s going to be AMAZING. So join us at the link in the bio or at frugalfriendspodcast.com/makeover

#frugal #frugalliving #frugallife #debtfreegoals #debtfreeliving #moneytips #moneysavingtips #debtfreejourney #debtfreecommunity #spendingmakeover #spendinghabits #smartspending

Your choices will make or break you. Agree? 🤔 I

Your choices will make or break you. Agree? 🤔 I’m glad I made some really good saving choices — then I spent the savings on bourbon cherries 🍒 There is no “perfect” when it comes to money management. Your spending mindset trickles out from the small things to the big things. But ultimately we use that mindset to make good decisions on the big things so we have more wiggle room on the small things!

If you’re ready to get in control of your spending and do better with money in 2023 sign up for our 𝐅𝐑𝐄𝐄 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐌𝐚𝐤𝐞𝐨𝐯𝐞𝐫 challenge Jan 2-6! We’ve got free downloads and daily live trainings to help you change and identify limiting spending habits. Link in bio and at frugalfriendspodcast.com/makeover

What are we doing in the Spending Makeover!? Over 5 days you’re going to take simple daily actions that will result in a fundamental shift in how you budget and spend money.

In 5 days or less you’ll:
⭐️Identify the triggers for your biggest spending habit
⭐️Learn how to make spending decisions based on your values
⭐️Create a spending plan that prioritizes your goals and guilt-free pleasure spending
⭐️Identify potential road blocks that could derail your progress and make a plan for dealing with them

It’s going to be AMAZING. So join us at the link in the bio or at frugalfriendspodcast.com/makeover

#frugal #frugalliving #frugallife #debtfreegoals #debtfreeliving #moneytips #moneysavingtips #debtfreejourney #debtfreecommunity #spendingmakeover #spendinghabits #smartspending

Achieving financial freedom is not as simple as ma

Achieving financial freedom is not as simple as making more money. Income is important and you can only cut so much but you’ll be running that hedonic treadmill your entire life if you don’t learn how to spend with intention and discretion. You can’t out-earn unhealthy spending habits and you will work yourself into the grace trying to.

So, if you’re ready to get in control of your spending and do better with money in 2023 sign up for our 𝐅𝐑𝐄𝐄 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐌𝐚𝐤𝐞𝐨𝐯𝐞𝐫 challenge Jan 2-6. We’ve got free downloads and daily live trainings to help you change and identify limiting spending habits. Link in bio and at frugalfriendspodcast.com/makeover

What are we doing in the Spending Makeover!? Over 5 days you’re going to take simple daily actions that will result in a fundamental shift in how you budget and spend money.

In 5 days or less you’ll:
⭐️Identify the triggers for your biggest spending habit
⭐️Learn how to make spending decisions based on your values
⭐️Create a spending plan that prioritizes your goals and guilt-free pleasure spending
⭐️Identify potential road blocks that could derail your progress and make a plan for dealing with them

It’s going to be AMAZING. So join us at the link in the bio or at frugalfriendspodcast.com/makeover

#frugal #frugalliving #frugallife #debtfreegoals #debtfreeliving #moneytips #moneysavingtips #debtfreejourney #debtfreecommunity #spendingmakeover #spendinghabits #smartspending

It feels good not to worry about debts or how much

It feels good not to worry about debts or how much I spent during the holidays even though I spent a little over my budget 😆 You too can sleep like a baby… or pregnant woman, after our one week spending makeover!

If you’re ready to get in control of your spending and do better with money in 2023 sign up for our 𝐅𝐑𝐄𝐄 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐌𝐚𝐤𝐞𝐨𝐯𝐞𝐫 challenge Jan 2-6! We’ve got free downloads and daily live trainings to help you change and identify limiting spending habits. Link in bio and at frugalfriendspodcast.com/makeover

What are we doing in the Spending Makeover!? Over 5 days you’re going to take simple daily actions that will result in a fundamental shift in how you budget and spend money.

In 5 days or less you’ll:
⭐️Identify the triggers for your biggest spending habit
⭐️Learn how to make spending decisions based on your values
⭐️Create a spending plan that prioritizes your goals and guilt-free pleasure spending
⭐️Identify potential road blocks that could derail your progress and make a plan for dealing with them

It’s going to be AMAZING. So join us at the link in the bio or at frugalfriendspodcast.com/makeover

#frugal #frugalliving #frugallife #debtfreegoals #debtfreeliving #moneytips #moneysavingtips #debtfreejourney #debtfreecommunity #spendingmakeover #spendinghabits #smartspending

Being a podcaster may not always be lucrative but

Being a podcaster may not always be lucrative but we keep doing it for fun and to inspire our listeners! ! Our lifestyle is not lavish so we don’t really need lots of 💰money.

If you’re ready to afford your “dream job” and do better with money in 2023 sign up for our 𝐅𝐑𝐄𝐄 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐌𝐚𝐤𝐞𝐨𝐯𝐞𝐫 challenge Jan 2-6! We’ve got free downloads and daily live trainings to help you change and identify limiting spending habits. Link in bio and at frugalfriendspodcast.com/makeover

What are we doing in the Spending Makeover!? Over 5 days you’re going to take simple daily actions that will result in a fundamental shift in how you budget and spend money.

In 5 days or less you’ll:
⭐️Identify the triggers for your biggest spending habit
⭐️Learn how to make spending decisions based on your values
⭐️Create a spending plan that prioritizes your goals and guilt-free pleasure spending
⭐️Identify potential road blocks that could derail your progress and make a plan for dealing with them

It’s going to be AMAZING. So join us at the link in the bio or at frugalfriendspodcast.com/makeover

#frugal #frugalliving #frugallife #debtfreegoals #debtfreeliving #moneytips #moneysavingtips #debtfreejourney #debtfreecommunity #spendingmakeover #spendinghabits #smartspending

There is no one-size-fits-all approach when it com

There is no one-size-fits-all approach when it comes to handling finances. Following generic advice can yield different results depending on your current situation, the resources available, and your financial goals. The best thing to do is to have a personalized approach to your financial plan to suit your needs and objectives.

If you’re ready to get in control of your spending and do better with money in 2023 sign up for our 𝐅𝐑𝐄𝐄 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐌𝐚𝐤𝐞𝐨𝐯𝐞𝐫 challenge Jan 2-6! We’ve got free downloads and daily live trainings to help you change and identify limiting spending habits. Link in bio and at frugalfriendspodcast.com/makeover

What are we doing in the Spending Makeover!? Over 5 days you’re going to take simple daily actions that will result in a fundamental shift in how you budget and spend money.

In 5 days or less you’ll:
⭐️Identify the triggers for your biggest spending habit
⭐️Learn how to make spending decisions based on your values
⭐️Create a spending plan that prioritizes your goals and guilt-free pleasure spending
⭐️Identify potential road blocks that could derail your progress and make a plan for dealing with them

It’s going to be AMAZING. So join us at the link in the bio or at frugalfriendspodcast.com/makeover

#frugal #frugalliving #frugallife #debtfreegoals #debtfreeliving #moneytips #moneysavingtips #debtfreejourney #debtfreecommunity #spendingmakeover #spendinghabits #smartspending

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