Goal Setting & Strategizing For The New Year

this episode on Christmas Eve. Maybe you are right, Maybe you love us so much, we're such good friends, or you're driving to your parents house and it's like a you know, an hour drive and you're cool, you're listening to us. But we wanted to get this out a little bit before the new year so that you can plan and strategize for your goals. It's coming up, it's right around the corner. At that time when we just strategize and plan and set all the goals and then

go back to it happens and and Phil. But so we don't want that to happen to you. So we are re airing this episode and this episode is also brought to you by our goal planning workshops, so we are going to help you plan your goals live. On December, we are doing a free planning and strategy workshop to help you break down your money goals into actionable month by month little goals and steps. So it's like an extension of this episode. We'll be doing it live together.

Jill and I will be doing it too, So come with a goal in mind and let's break it down together. Space is limited and a replay will be sent out to reone, but grab your seat at Frugal Friends podcast dot com. Slash Training. What a fun things in between the holidays just before the new year. I'm so excited. Also brought to you by Whack them All, one of the best arcade and circus games out there next to skee Ball, of course, but their sponsorship was out of

our price range. You can't win at Whack them All without a good strategy and a fair degree of rage, quick reflexes, and just an overall sense of urgency, kind of like what we're talking about in this episode. Whack Them All were strategy and chaos meat to create fun for all. So if you're ready to talk about rage reflexes and an overall sense of urgency and then stay tune and it is it is whack them all or

whack a mole. We'll talk about that later. So to days first article is from mind tools dot com and it is the Golden Rules of goal Setting. So five rules to set yourself up for success. And I love getting set up for success, so I really liked this one. How about you jail really good? Yeah? I always love the sccinct articles. You know, the list of thirty five. They're all fine and good, but you usually have to weed through them for the five good things, and this

just cuts straight to the chase. Yeah, and usually so Google prioritizes thing articles that are longer, So that's why you see these lists of fifty. Um. But my tools is just a good website and so Google puts it up in the algorithm. And you'll see why when you read this article. So I like that they say, even before they get into the first the five things, is that it needs to start art with careful consideration of

what you want to achieve. So before we just rush to set goals, set goals, sit down and actually think what are my priorities? I love that term careful consideration, probably because I love alliteration and rhyming. Will look at me and my timing. I don't know, Jen, save me. Sorry, let's start. Let's just start with Let's start with the five Golden Rules. The first one is set goals that

motivate you. So definitely, once you determine that your goals are relevant, that they will get you to where you need to be, you want them to be big enough to motivate you. So not you know, just make a to do list, but you want them to be relevant and and get you closer to your goal. And that is going to motivate you. Yeah, you need to have a value for achieving it, and it has to be

related to your highest priorities in life. And I know that general probably talk about goal competition because she loves talking about that, but this is related to that of where are the big rocks in your life as far as the things that take up the most space and are the biggest priorities, and look to set goals around those things first. Yes, so number two of the five Golden Rules. I know we said we weren't going to talk about it, but we are going through this article.

So we're gonna put it out there for you set smart goals. So if you've been in this space for a while, you are familiar with what smart goals are. If not, I'll quickly run through it, but we won't spend a ton of time on this. It's what every single goal setting article, podcast, anything says because it's good. It is good. It's just there's a reason recycled content. But smart goals talk to the type of goals that you need to set for them to be effective, and

it's just a helpful acronym. So it stands for specific, measurable, attainable, relevant, and time bound. Your goals need to have each one of these categories checked off in order for them to be a really good, probably goal that you will achieve if you have looked at it from all of these angles. It's just a good tool to have in your tool belt. So it does fall under the golden rules of goal

settings that a smart goal. But here's one place where you can get UM maybe set back with using the smart framework and uh, the framework makes sure that the goals are attainable and relevant, UM, but it it doesn't make that assure that they are challenging. So the smart framework allows you to make goals that are small um, and it can tempt you to do because you want to be able to attain it in a time sensitive manner. So yes, it will get you towards your goal in

smaller increments. But I think we have to look outside of the smart framework and set stretch goals, so goals that aren't initially um, maybe seemingly possible, and then once you have your stretch goal, you make your smart goals

around those. So they say the first one should be motivational um, and I would just translate that into being like a stretch goal, so something that you don't initially think you can achieve, and then try and make goals that will get you to that, and like, yeah, you might not achieve it, but you'll get so much further than if you had just been making smaller smart goals.

So that's that's my only qualm with the smart framework. Yeah, it can sometimes set our mindset to only making it just super realistic, which helps us to form habits and maybe check off, like you said, these smaller things, but it's not necessarily the framework that's going to get us to those dream level type goals. We'll talk a little bit more about how to do that in the next article. Two nice Okay, Number three is right it down. Even you non type A people out there, write it down.

There is so much power in putting something on paper, but not just that getting it out of your head. There there's something about our connecting from what's happening in our brain to putting it out in a tangible way. And this applies in a lot of other areas of life, not just goal setting, although I won't go down that rabbit trail, but there is something to actually getting it out of our heads and putting it down on paper with our hands. And with that, I like this tip

that the article gives to watch your words. They do matter. So where we might be tempted to say I would like to read twenty books this year, instead I will And it puts this extra level of urgency, um discipline and determination to it. If we don't give ourselves that wiggle room of the words that we choose, it can just then carry a different weight to it. So be careful with the words that you put to it and

write it down. Yeah, and further breaking that down into I will read a book every I will finish a book three two weeks. So breaking that down and giving yourself um an even more like specific time. That's that like going into that smart goal framework. Is giving yourself a smart goal for every single step of the bigger stretch goal. Yeah. Uh Four is make an action plan um. So this is where goal planning meetings come in. And every powerful couple that I see, they have goal planning meetings.

This happens with very successful people have goal planning meetings with their spouse or partner, and very successful people if they're not married, have goal planning retreats or meetings just with themselves, like this is something they make a priority, they sit down and do. This was the main reason I created the Financial Freedom Planner that I have on my website. It is a planners just for a goal planning meeting UM. But we also have a free printable

that you can use for a goal planning meeting. If you go to Frugal Friends podcast dot com slash goals so g O a l S you can get a free goal planning meeting worksheets. So it's going to have your one stretch goal at the top and then too smart goals that will help you get closer to that um and then at the bottoms and strategies you can implement to get closer to achieving those smart goals. And we'll talk about strategies later, but so that's kind of

the format for having a goal planning meeting. You are establishing your stretch goal, you are deciding on one or two smart goals to use to start out with, and then you are figuring out the changes that you need to make to get closer to those smart goals. So that is you know your three step action plan for a goal planning meeting, and it's essential, like we do what we did it And when we were in Mexico last month on vacation, we didn't have a paper or scrap like any scrap paper, so we did it on

the back of paper coasters. How we Yeah, we wrote our goals for for just January on the back of some coasters while you were at an all inclusive resort. There's nothing better to dream big than when on the beach, Yes, on our balcony of our suite on some coasters. That's amazing. So number five of the five Golden rules is stick with it, which doesn't sound super tangible, but it is related to numbers three and four of writing it down, having an action plan, and then sticking with it. That

that is key. If you don't stick with it, then you're not going to accomplish your goal. That's just obvious us. So building in these activities, so the action plan, right what you just said, gen of having the meeting with your husband, but then continuing to meet from there and reevaluating how are we doing? Are there any shifts that we need to make? Is this still high priority and

we accomplished the goal? Do we need to set a new goal like constantly re evaluating and having reminders, which I also think the tangible piece of that is number three of writing it down, because if it's written down, and if you have some sort of visual constantly, then it does make it easier for it to be at the forefront of your mind and for you to be

able to stick with it. So if there's some way for it to be a regular reminder or a visual or even an alarm in your phone that goes off every two weeks, or a meeting planned every month, whatever it is, have a way that you know will work for you for you to be able to stick with that thing. Yeah, definitely, So that's all for this one. Um,

So our next articles from James Clear. He's the author of Atomic Habits and he is a brilliant mind in the world of habit formation and I really enjoy his writing. So he has a really unique perspective uncles, and uh, it's that you shouldn't make them. But we're looking at his article on goal setting and it's called a Scientific Guide to Setting and Achieving Goals. So what did you think about this one, Jill? Oh, this spoke to my

logical brain so much. And I do think that for those who are a bit more concrete thinkers, who aren't your dream board creators out of cut up pieces of magazines, this articles for you. It really breaks it down as far is what works when we understand the human psyche, what actually helps us to do the things that we

want to do. And I wrote even in our outline Science and Strategy, what he goes into is talking about those two things and why it works and how to do the things to actually get at what we want to see achieved in our life. So love this perspective. Yeah, making a goal is the easy part. It is easy to make a stretch goal and make smart goals, but it's that final part of what are the strategies that

you're going to use to actually do these goals? And I just love how he breaks that down and tries to change your mindset from a smart goal framework to a forget your goals and just focus on the systems that will take you there. And I don't I don't think you should forget your goals. I think you should still make goals, or we would be having a completely

different episode topic right now. Um. But I think his view on focus focus on the strategies that get there, um, and you're going to have a much like higher percentage rate of reaching those smart goals. Yeah. So the first item that stood out to me in this article, and it is quite long. It's fantastic though, so feel free to check it out on your own time. But the first one that I want to highlight here is where he talks about stacking your goals, meaning to be super specific.

And again, my more logical side of my brain loves this because he is pulling upon research, saying that research has shown that you are two to three times more likely to stick to your goals if you have a specific plan on where and how and what and why you're going to do the things that you're doing, which okay, yeah, that's kind of related to smart goals, but he doesn't

even talk about smart goals, which is so fun. So they used within the research that he's talking about, they use the specific phrase, saying that if you fill in this phrase, you are so much more likely to actually accomplish it. So he gives the example of during the next week, I will partake in at least blank amount of time of vigorous exercise on blank day, at blank

time of day, at blank place. So you can see how specific it's getting, like literally down to what time are you going to do this thing, and having written that out and being so specific actually makes you two

to three times more likely to do that thing. Yeah, So just like if you have a goal to read twenty books this year, then I'm going to read for twenty minutes before I go to bed every single night, and I will read, you know, break your book up into pages and say I'm gonna read at least twenty pages, but no more than fifty. And so one of his things is like have upper bounds. That's that's the next one.

I'm getting out of order. I am going to talk about the other one I want to talk about, but the next one, the next one is to have upper bounds. So we say I want to read, um, you know, twenty pages a night. So his thing is, instead of just saying I want to read at least twenty pages, say I want to read at least twenty pages, but no more than fifty. So giving yourself that upper bound, it motivates you. It subconsciously motivates you to go beyond your minimum, and you want to go further to that

upper bound. Versus if you know, my goal is to do at least five push up today, I'm doing five push ups. But if my goal is to do at least five push ups no more than twenty, I'm more likely to go for twenty or at least eighteen or something. Personally I will go for none. But that's kind of that's the psychological effect, just those simple words and that

simple phrase has on our action. But what he's also arguing about the upper bound is that it does have a cut off in that sometimes we could say I want to read fifty pages tonight, but if we don't set the upper bound, then we might get carried away

and read five hundred pages. But then now what because then the next day it's like, well that's I read so many we might feel like that's what I need to do now now that I've proven that I can do that, and it creates unsustainability that that's not going to have much longevity to it then, And so he's arguing that there really is this specific area where we experience the maximum achievement or our maximum potential, and if we push too far beyond that, then it's no longer sustainable.

So finding where that happy medium is of where you achieve the most, but it's also creating longevity. So there's there's multiple purposes for the upper bound. Super interesting concept. UM, encourage you to try it out. Yeah. Another one that I am passionate about is ruthlessly eliminating your goals. And

this comes back to goal competition. UM. I'm a big fan of the book The One Thing by Gary Keller, and it states if you focus on one thing at a time, you're more likely to um reorganize your priorities and commit to that one thing, like more fully, with less decision fatigue and less goal competition, and so you reach goals faster, more efficiently. UM into a higher degree than you would have if you're going for multiple goals

at the same time. So that's why there's only one stretch goal on the goal planning worksheet UM, and you can have a few smart goals that point to that stretch goal, but even those goals that point to the main goal, you shouldn't be working on a lot of them at the same time. UM. I wouldn't do more than two, because once you have the smart goals, then you have to work on changing your lifestyle and your habits.

And you can't change your habits and lifestyle drastically UM at any given point in time, so you have to further it down and only pick a few things from your life to change at a time. So it all kind of works in tandem. And so that's why I am passionate that you should just be focusing on as few things as possible at once UM to to ensure that you reach them, and you reach them well, that you're not just floundering. Yeah, which I think relates to

actually setting goals, not just things you're already doing. I think sometimes we can get confused with that of something that I'm already doing and maybe I just want to do it a little bit more. Okay, that's that's kind of doable without sitting down and doing an entire action plan and constant follow up meetings. Don't cloud all of your goals with just something that's already a part of

your rhythm. That that's not what we're talking about. We're talking about these big goals that's going to take effort, that's going to take sacrifice, that's going to take determination an area of life that you have lacked motivation, but

it's really a big priority to you. That's we're talking about. Yeah, and having too many goals at the same time, Like your goals could change over the years, they will change over the years, And if you are working at too many things right now, then you're gonna you're gonna inevitably work towards things that in a few months or years won't be your goal anymore. And so you're gonna make progress to something that doesn't matter anymore. And I have

done that so many times in my life. Um and personally, I feel like it's wasted time. Like in in the grand scheme of things, it's not no time working towards the goal is wasted, but I feel like I could have been investing in something um better, um that got me to my niche goal. So that's another reason I love the story he tells about rose bushes, and it's he says, as a rose bush grows, it creates more

buds than it can sustain. And if you talk to an experienced gardener, they'll tell you that a rose bush needs to be pruned to bring out the best in both their appearance and performance. So, in other words, if you want a rose bush to thrive, then you need to cut away some of the good buds so the great ones can fully blossom. And it is a mantra to live by that you're not just pruning away bad

stuff out of your life. You're pruning away good stuff too, but it's in order for the great stuff to fully blossom. Such a helpful illustration, especially if you've gardened before. If you haven't, then kind of take some explaining. But I learned that with tomato plants that you've got, yeah, you've got to take snap off, snip off some of the buds to get some really amazing juicy tomatoes. So you

might get less, but you'll get better. Yeah, tomatoes. I don't garden, so I don't know anything about that, but I just told you about that, So now you can apply it to your life if you want like a rose shaped life for a tomato shaped life, follow these mantras. Um. The last thing that I want to point out in this article, and it really is good. You should definitely

read it. Anything by James Clear I'm a big fan of is how to align your environment with your goals because I feel that is the biggest barrier that we have to to meeting our goals and to changing our lifestyle and implementing strategies to achieve our goals. Is our environment. Um. So he gives some like smaller, smaller examples. So, if you sleep with your phone next to your bed, then checking social media and email as soon as you wake

up is likely to be your default decision. If you walk into your living room and your couches and chairs all face the television, watching television is likely default decision. If you keep out call in your kitchen, drinking consistently more likely to be default decision. It's like he's at my house talking to me. If we're being honest, um and then, so he says, so figure out ways to

make your default decision healthier. Um, so if you keep a dumbbell next to your desk at work, then pumping out some quick curls is more likely to be your default decision. I don't know in what world curls girl, I don't know in what world that would ever be my default decision. But if you carpet in your office, then doing push ups is more likely to be your default decision. Sure, um, here's what I can get on.

If you keep a water bottle with you throughout the day, then drinking water rather than soda is more likely to be the default decision. Um. If you place floss in a visible location, like next your toothbrush, flossing becomes more likely to be a default decisions. So it's figuring out what it takes to achieve your smart goals and setting up your environment um to be more conducive to that. So for me, so this is not a bigger level and it may not be for everyone, but relationships was

a big uh factor in keeping me in debt. I wanted to maintain relationships with people that wanted to go out all the time, and so I needed to make my environment more conducive to paying off debt and I had to make new friends, which for an introvert is super hard. Um, but I had to make new friends that didn't want to spend money. And it's not that I like forgot the ones that did, but I just I couldn't hang out at the places they wanted to

hang out. So instead of being a lonely hermit, you know, decided to make do the hard thing to make new friends. And that was something that so my default decision was to do free activities. That's how I changed my environment to align with my goals. I love the science and strategy in this and the simple things that he gives here of creating visual cues, having simplicity with it. Right, that does sound so simple? Carry around water, You're more

likely to drink water. Just recognize that as humans, that is what we are most likely to do. The thing that is most readily available, the easiest, most accessible, the thing that we hardly even think about. We just do because it's right there. Look at those aspects of your life and how can you create minor changes there that will help you towards your larger goals. Good word? Yeah, you know what else? Is a good word? Always a

good word. It's the Bill of the Weed. That's right, it's time for the best minute of your entire week. Maybe a baby was born and his name is William. Maybe you've paid off your mortgage. Maybe your card died and you're happy to not have to pay that bill anymore. That bill, Bill, Bill Clint, this is the Bill of the Week. Hi, Jen and Jill. This is Ellie and I'm contacting you from Brisbane in Australia. I just want

to say how much I love your podcast. I've just discovered it a couple of weeks ago and I've been really enjoying it, so thank you. UM. I also was inspired to send my own bill story because I really love your Bill of the Week section. So my Bill of the Week story for you is actually for me, a Bill of the Year, and it's about my power bill.

So we have solar panels on our roof, and because of that, we only get one power bill every year in winter when we don't generate a whole lot of our For the rest of the year, we actually get credit back from our power company because our solar panels generate enough power to meet our own power needs, but the excess power that we don't use goes back into the grid and the solar the power company pays us

for that, so that's really fantastic. Um. And the reason that we were able to get solar panels on our roof is that we're really frugal and many years ago we were. We saved up and we also used a government grant a rebate to be able to get the solar panels, which has been fantastic. So we've had really low power expenses for years now. Anyway, thanks for your podcast and for validating my frugality. I didn't realize frugality was a thing until I discovered your podcast. UM, So

thanks very much and keep up the great work. Really enjoying it. Thanks by Oh my gosh, Alie, that's amazing, Allie, thanks for calling in from US Trail. Yeah, I've never been there, but that is on my bucket list one of the places I'd love to go. So so fun

to have a frugal friend in Australia. And how amazing not all I mean, this really is the quintessential of frugality what you're sharing with us of not just how you saved up to be able to buy the solar panels, how it saves you money, but also how environmentally friendly that is and eliminating your energy usage because you are tapping into the sun and your yearly bill just everything combined,

it's amazing. Thanks so much for sharing that. Yeah, and we yeah, we do a lot of solar panels here, but they're not really they're not super affordable for what you get. Um, so I love that you just you saved up. You you you took advantage of a grant and I think that's so cool. So thank you, Ellie. If you have another cool bill to share with us, visit Frugal Friends podcast dot com, slash bill and leave us a bill and we will be excited about it

with you. We're always excited about these things. We are so excited like and we don't feign it at all. We are legit. We keep talking about sharing the video at some point, because Jen and I do video calls with each other, because there's so much that you miss out on with what our faces and our bodies do

while we're recording. There's real excitement something happening, which yeah, I don't watch a lot of YouTube, so I don't understand it, but apparently a lot of people do, so some day maybe that will be on the Frugal Friends goals. We should set frugal friends goals. We should Well, it's just occurring to us now, so cool. We should have a goal planning me Jill, with the two of us. Yeah, and it could be like my podcast, wife and we

are in power, negotiate and everything. Yeah, we did set some individual goals, which we will talk about now in our lightning round. Yes, so, Jill, you recently had a goal planning meeting with Eric and you saw that. I did see it, of course I follow you. I'm watching always. Yeah, yeah, it's um, it's yes, it's a goal planning meeting. I guess we could call it that. I don't call it that because I think Eric would never participate if I

called it that. Well, that's a thing you have to call You have to call it um whatever your spouse will participate in. What do you call it? Oh, just looking back on New Year's Eve predictions, I don't know why we call it. You made us let's drink coffee on New Year's Day? So yes, Eric and I have done this for the past. Oh. I guess this is

our fourth year, so since two thousands seventeen. It started just on paper, we've moved to online because it's now, but where we talk about what has happened in the past year. We we did make some changes, but this is how it started. What has happened, what we think will happen in the coming year, and what we hope will happen in the coming year. This year we got

rid of the what I think will happen column. That was probably even after I posted on on our Facebook group, but I realized part of this idea of okay, almost smart goals versus stretch goals, of the realistic what I actually think, but then the more stretched like what I actually hope will happen. So we just moved into just stretch like what we just hope is going to happen. Um. So we do this every year, but we do it separately.

That's something I mention on social media. He does his and I do mind, so we don't even so that's probably where it shifts a little bit. There's more of a fun element to it, and then we put it away and we don't look at it until the next year. So the goal parts I do keep at the forefront of my mind, but there's aspects to it that are just somewhat prediction, somewhat I'm not sure what's going to happen, and it's not that important to me what happens. I'm

not explaining it well, but anyhow, it's fun. So but as far as goals go, so we're sharing goals, right, individual goals. So this year, I want to and this is gonna sound so so small and so attainable, but you've got to understand, I really don't read that often, but I do want to read this here. So I'm setting a goal of reading three books, which for me is a lot because I read zero this past year.

I skim, I take little snippets. It's like this awful strategy that I developed through undergrad and grad school where I don't actually read start to finish. So read three full books. For me, I want them to be across a variety of topics, mostly probably professional, like aligning with my profession. I want to practice Spanish more. That's been a long term goal of mine, to learn the Spanish language. So I've got some specific things related to that about how I'm going to do that. And then I also

want to draw more. So for me that will probably look like drawing two times a month. I'm going to do it when Eric is recording, because his goal is to record his own album this year. So I'm seeing that I could kind of align my time with his when he's doing that, I could pull out my my pencils and pens and and draw again. That's awesome. Yeah, kind of hobby related goals. I'm excited about them. Yeah. I you could just go to Cancun to learn Spanish.

We were probating Spanish over there. I was like, we need to go back more so we can speak more fluently. I have kicked around the idea of a Spanish immersion program, so maybe I I think I realized I was going to do it in to Guatemala attend like the Spanish Acquisition program. But I realized that if I'm not doing it consistently here in the States already, and I'm not

forming those habits, then it's going to do nothing. I have to if I go and I invest that time and money, I've got to have the ability to keep it up. And I think I have to prove that to myself now before I go. So that's the plan. Nice. So my goals, um, I have. My goals are all pretty stretched in the past have only made professional goals, and I've realized more this past year that I want be more well round it. So I don't want to sacrifice my personal growth. I don't want to grow professionally

um at the expense of my personal growth. And so yeah, so that's something I'm really taking to account this year because I go, go go. I took like a four week maternity leave and then I was back to work, like I just can't sit still. So that's a big working is a big problem for me, and I just I want to continue to thrive, but also make some goals outside of that. So my first goal is professional. It's to earn six figures. That is definitely a stretch

goal for me. I've never come anywhere close, but I've made some smart goals and I've put some strategies in place where that will be attainable. So it'll be hard but attainable. So that is this dual income or just just me, I know, I know. So it's definitely gonna be a year where I'm really investing in my business and into that next tax bracket. Yeah, I'm moving out up. Yeah. So my second one is to read the Bible in a year, I downloaded an app it's called Daily Audio Bible,

and they have the podcast. It's in podcast version too, but he reads the version like the amount that you would read because I've had trouble reading the Bible in the past, but listening I can do. And then he talks about it afterwards, which is helpful. It's like a forty five minute podcast, but only thirty minutes of it is the actual reading. And then to work out three times a week. I am super bad at fitness, if you couldn't tell from all of the comments I make

about fitness. Um, but I do have a cross fit membership and I do use it regularly, and I want to be even more consistent in it so that I can actually see progress and uh lose that baby weight. That's where I'm going with that. So those are my big goals for the year. Yeah, and then pretty soon we'll have to set for girl friends. Yeah. I mean we're almost at half a million downloads and so I think we could get to which by the time this

episode releases probably will be there. We might be. Yeah, so maybe seven downloads for the year, that would be lovely. Thank you so much for listening to the replay of this episode. We hope that you are going to have a great little break this weekend, kind of like we're having. So we thank you so much for listening and for your kind reviews on Apple podcasts like this one from Bonjeur.

It's me, Charlotte. I imagine maybe that's maybe what how she's saying, but it says Jen and Jill are frugal queens. Happens to be five stars. She says, I've been listening to Jen and Jill for over a year and should have posted this review a long time ago. As a grad student unlimited income. The golden nuggets of information in this podcast have been life changing over the past year. Also, most of my real life frugal friends are men, so it is such a breath of fresh air to feel

like I have frugal lady friends by listening to this podcast. Bravo, ladies, and thank you for all the hard work that goes into making this podcast. Charlotte, thank you. I love the golden nuggets of information. What a cool image that is for me, just like Wendy's chicken nuggets in the heart shape that are golden, like raining down beautiful frugal information.

We also want to thank our friends who share these episodes on social media, So when you share the latest episode on Instagram, we add you to our monthly drawing. For every five tags and reviews we get each month, we're giving away fifty dollars five zero for you to spend in the Frugal Friends shop. So keep leaving us reviews where ever you listen to podcasts and sending the screenshots to Frugal Friends podcast at gmail dot com, and don't forget to tag us on social See you next week.

Frugal Friends is produced by Eric Syrian all right, whack them all or whack a mole? Right? So I have never heard of whack them all? And I said, Jill, you are wrong, And I said, but I don't think I am. Maybe we're both right, and the Internet has said we are both right. So whack them All is a game, an arcade where you try and whack them all. You get as many points as possible by hitting the moles with your hammer through strategy, chaos, urgency, quick reflexes,

and a bit of rage. So it is whack a mole and whack them all? And isn't that just the truth about goal setting and strategizing and the new year. I think, isn't it that all life? Isn't it about life? Where you're initially like, oh, no, that's wrong because I know this for a fact to be true, and then you turn to the Internet and the internet all truth is, and the Internet says no, You're both right. This is a beautiful way to start the year. It's a beautiful

way to head into Christmas, to celebrate our friendship. Yeah, and you're both right. Know that you have the gift of just because you're right doesn't mean somebody else has to be wrong. You can both be right. What I love that relativism. So whack a ma all, whack a mole, whatever you choose to do, get at that goal, strategize about it, and know that you are right. And sign up for our goal Planning and Setting live workshop on December twenty seven, Frugal Friends podcast dot com slash training.

And if you write whack a mole to get whack them all together, it almost looked like you were writing whack email. So we're going to send you some whack email with a link which is like email shop that'll help you. Yeah, whack in the best sense of the word. All right, let's get them all, let's whack them all.