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!

Episode 83: Cutting Grocery Costs

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?

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? 

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

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.

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

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/

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!

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

Episode 76: Prepping Our Budgets and Calendars for Christmas

Episode 75: Learning to create a block schedule that works

Today I’m chatting with Vee Weir about money shame and the benefit of listing to diverse messages.Vee Frugal FoxWeir Digital MarketingNot Another Personal Finance PodcastUnpacking The Dave Ramsey Cult: Trauma, Shame, And Guilt Around Money40% of Americans don’t have $400 in the bank for emergency expenses: Federal ReserveFormer Ramsey Solutions Employee Says She Was Fired for Coming Out as a LesbianThe Case Against Dave Ramsey (Chris Hogan Scandal by Melissa Hogan)Dave Ramsey's company fires employees over premarital sex, court documents sayDave Ramsey fired staffer for taking Covid precautions, lawsuit saysReaction to Dave Ramsey's Racism VideoWe didn’t talk about this, but Untangled Faith is a fantastic resource from former Ramsey Solutions employeesCome say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Episode 74: Overcoming money shame and lifting up other voices in the finance community

Does the idea of financial planning make you want to go run and scream in a forest? It does not have to.Mentioned: Albert the app with a zero fee debit card. https://albert.pxf.io/c/3643164/1317538/15963. 

Episode 73: How to tackle financial planning

Are there Habits and Routines that Save Money? Yes!The episode about paying for higher education: http://www.frugaldebtfreelife.com/podcast/highered

Episode 72: Habits and Routines that Save MONEY

Have you ever noticed how quick people are to give BAD financial advice? What is some of the worst financial advice you ever received? Today I am sharing answers from my Instagram community. Check out Keeli on Instagram: https://instagram.com/kealischeider?igshid=MDE2OWE1N2Q=The episode about paying for higher education: http://www.frugaldebtfreelife.com/podcast/highered

Episode 71: What is the worst financial advice you ever received?

In this episode, I talk about how much emergency fund you might want to have, what an emergency fund is for and how to build one quickly. 

CTA: Grab your Free budgeting spreadsheet Link to free budgeting spreadsheet.https://www.frugaldebtfreelife.com/main/free-budget-by-paycheck-spread-sheet

Come say hi on Instagram.  

Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Episode 70: How much emergency fund is enough? And how to do you build one?

CTA: Check out this week’s sponsor Steady and browse side hustles and freelance gigs. https://link.steadyapp.com/3a2Z/gj5ecqle"Apps Mentioned in Today’s show: Fetch gives you points every time you shop for groceries by simply scanning your receipt- https://fetchrewards.onelink.me/vvv3/referraltext?code=6F8VW Dosh you link your card and get a percentage every time you shop at qualified retailers https://link.dosh.cash/LYDIAS76 Honey is a Google Chrome plugin that gives you coupon and promo codes every time you do your online shopping joinhoney.com/ref/vyvkb07

Episode 69: SO MANY Easy Money-Saving Tips

Student loan forgiveness is official. Here is what you need to know.

Episode 68: Student loan forgiveness. What you need to know

Kelly’s grocery savings course.Kelly’s entrepreneurial course - Dreamer to Profitable

Episode 67: From a repossessed car to debt freedom

Link to the free spreadsheet: https://docs.google.com/spreadsheets/d/1j9tK50YOg2VOK6AqeI7lBJ-t4L5f7RGmYstYVJunvfw/edit?usp=sharingCome say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!

Episode 66: Weekly habits that impact our budget

Today we are discussing how to handle budget burnout.

Episode 65: Beating Budget Burn Out

Money and MommingCome say hi on Instagram.  Want to subscribe and listen on the go? You can do that on iTunes, Stitcher, Google Play and Spotify!Music from Uppbeat (free for Creators!):https://uppbeat.io/t/simon-folwar/happy-daysLicense code: PRBMKUONORLGIBUV

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