How to Maintain 100% Effort on Your Financial Journey

one for you. Yes, a hundred episodes and we still can't stay in sync. But it's what you love about us. It's why you've listened for one hundred days, hundred hours. So I mean, we're not bringing you anything different, but the best we kind of are. We are reading us something super unique in the Lightning Round. You are not going to want to miss it. You're gonna want to listen to everything about Lightning Round, especially the most insane

Lightning Round we've had yet. So I'm just going to leave it there for then, though, we are sharing tips for motivation and focus for a long financial journey, because life is a financial journey. We're not just talking about paying off debt, saving an emergency fund, saving for a down payment. Like life is a financial journey, always going to be dealing with money. You're always going to have some goal you're trying to reach, hopefully. So these are

tips for motivation and focus. But first, a word from yours. Today's episode is also brought to you by the couch, that comfy, wmpy cocoon calling your name after work on Saturday and all the other hours of the day that you're not in bed. Couches are designed to make you want to stay all day and binge those Netflix comedy specials you don't really care about. But you already finished the first season of The Witcher and you're waiting for

season two, so it doesn't really matter. The couch. Don't do any of those things on your to do list, just sit. Oh oh, the couches just trying to pull you away from motivation. It's a comfy it is. Their word's not mine, hoard's not mine. It's so hard to get off the couch of your little cocoon and turn

off your Netflix and actually do the work. Yes, So today we're talking about tips for motivation whether you're just trying to stay on track or maybe you've had a setback and you're trying to regain motivation, uh, to keep going. So today's first headline is from James Clear dot com. He's the author of Atomic Habits and uh, it's all on the scientific guide on how to get and stay motivated. What do you think of this one, jail? Well, again, it focuses on science and proven ways to be motivated.

It's not just some frilly pep talk. It's not flattery. You know me if you've heard other episodes, I'm not into that. So this was super helpful to understand the psychology and science behind motivation. And I really like even just their definition of what is it. And of course a general definition is just a general willing this to do something. Yeah, okay, fantastic, But I like the way that this article digs deeper into it to describe it as the point when it becomes easier to change than

to stay the same. And I feel like we all know what that point is, when the feelings of self loathing on the couch are greater than the difficulty of getting something done that eventually you stop just sitting on the couch, sorry, couch, and then you go do something, whether that's work out or make a healthy meal or get at any other type of goal that you feel is healthier for you, which is interesting. It also made

me think about that concept of like hitting rock bottom. Yeah, that's an extreme example, but I I I've even heard parents sometimes described that they want this for their kids, like I want my child to reach rock bottom. Of course, when you're in a really difficult situation. And I think it's speaking to this idea. Again, it's really dramatic. But if you when when you get to that point, we're

staying the same is more uncomfortable than making the change. Yes, And I feel like if we understand the science behind motivation, that maybe we can just like hit like a feathery bottom before we start making changes. We don't have to wait until things are dire and we are in crisis

to start making changes. And so we got I got a lot of questions about this, like day to day, like writing articles, and even in the course that I lead in January, this was a big question that came up, like how do you stay motivated even after the accountability and the lessons and all of that stuff is over and it really it really comes down to taking action. So it's a misconception about motivation that it comes before

starting a new behavior, but it actually comes after. So you have to start taking action in order to get motivated. So this is a big reason why the Death Snowball is so successful because you get to see you get to take action and see results after a short period of time, and that is what creates motivation. So it's the same with anything. You want to just start moving, see the smallest win, and that gets you to keep going and win after win after win is what builds

this momentum. It's like a fanning into flame, Like you start with a little spark and then you add kindling, and then you add some oxygen and it just kind of grows. Like, Yeah, you get the motivation as you're going because you see what it's producing. So yeah, if you take nothing else away from this episode, it's that the first step to being motivated is to take a step. Yeah. Yeah,

it's that's an interesting one. You were we were just talking about this the other night over dinner, and it hit me how it is a little bit of a paradigm shift, Like you think I just need to get motivated while you're sitting on the couch. But the reality is you you grow in your motivation as you're doing and it can build and build and build upon itself. Yeah, it's really important to understand that piece. Okay, so let's

get into how do we actually do this. So if we're saying to grow motivation, you've got to start by doing something, then then schedule it. Like the first thing in this article is schedule your motivation, which sounds so silly, but otherwise we will find ourselves sitting on the couch saying, oh, I gotta get motivated, or waking up in the morning and saying, I hope I have motivation to work out today. Well, no,

it's not going to happen. Then if you're just like sitting passively waiting for it to happen to you, it's not going to Rather, they are arguing to actually schedule it. Say I will do this thing at such and such a time. You are far more likely to do that thing than just hoping it. Motivation reigns down right from

from nowhere. Yeah, we spend all this time looking at motivational quotes on Pinterest and Instagram and trying to cultivate this motivation before we start doing something, and the real motivation comes when you actually put pencil to paper or finger to iPhone and you put it in your schedule and you make a commitment to it. You don't just gloss over its place in your schedule, but you fulfill it and you you you honor that commitment, which leads

to the next one, which is get moving. It's and it's just as simple as that, like actually moving towards your goal though, so it's not saying you're actually doing that thing immediately, but you're physically taking action towards it. And it can be as tangible as a physical thing like I am getting moving towards the gym, I am putting pen to paper, I am putting some sort of physical action to this thing that I have now scheduled. Yes, And one of the ways that we can do that

is to use rituals. So this is this is one of the things that I am actually went through like a whole unit in my course about how to set up habits and how to use rituals to enter into setting up those habits. So it's like you a lot of people have a morning ritual. Um if you've ever heard of the miracle morning by how L Rod. That's very that's a ritual on steroids. UM, But yours doesn't

have to be a whole acronym. It can just be something as simple as UM like putting the alarm clock on the other end of the room and buy a glass of water, and so you have to get up, turn the alarm clock off, and drink your eight ounce first an ounces of water immediately, and then you then that forces you out of bed, so you don't hit the snooze button seven times. And that can even save you money because then you have time actually to make

breakfast home instead of stopping a dunkan Donuts. So it's these little things that we don't necessarily associate with saving money that actually do save us money kind of you know, by proxy. I love that. I love this term ritual. I think it's it's always connected with me and I won't get too far off on a tangent, but rituals are a low hanging fruit that when it comes to to making anything, UM more healthy or productive in your life,

it's it's one of the easiest things to implement. And I know we're not talking about this here but I just want to briefly mention that when we are in times of transition or high stress, rituals are super important. It's it's a fancy way of saying schedule and regular activities and intentional things that you've that you're doing, but they can bring so much stability into our lives, so

much more consistency, which then creates greater health. So there there are far extending benefits of rituals that if we can be putting them into our lives. Yeah, it's going to help us stay motivated, it's going to help our relationships. It's one of the things that I feel within therapy, I can hand to people and say, put rituals in your life. Have a schedule, be intentional. Of course, that

looks different for everybody, like we have. We all have different personality types, we all have different ways that we want to approach that. But learn what it looks like for you and implement that thing. It is a low hanging fruit and it's a tangible thing that can have phenomenal impact. Yeah, So a ritual's place in kind of like the timeline. So the couch would represent your mind at rest um so you're not thinking about your habits

or anything. The habit would be the action that saves you money, so um, making food at home or making a debt payment, tracking your transactions, what have you. And the ritual comes in between. The ritual is super easy to start, doesn't require any motivation. So uh, like putting the pan on the stove, You just you get home and you take the pan out, you put it on the stove. You make the habit easier to start, and that's the ritual. So that's kind of an easy way

you can start. You know, putting the phone on the other side of the room makes getting out of bed easier. So make the ritual something that's so stupid easy um to do that you don't need motivation. But it's not it will lead to the habit. The ritual isn't the habit itself, which leads to the next thing talking about habits and habit formation. And so if we are to make a habit out of some of these pieces that we want to be moving towards, like you just said,

we have to make it easy. Make it so easy that it's more difficult to say no to. So for starters, Uh, I know that we'll get to this about talking about location of things. But if we put flows next to our toothbrush, right that, it makes it so much easier to form a habit out of that because it's right there. Make it so easy for yourself. Yeah, and floss is

already cut. It would be a waste not to do it, you know, So you're going next level of the pre cut flaw pre cut pre cut, but you pay extra for that, or you can just cut it yourself and put it there. I don't know, no, no, that okay. But so these are all ways to just make the the actions easier because when taking action is easier, then motivation is easier to maintain. So habits keep us making good choices without thinking is hard about it. And while

we're still having to think hard about it. Rituals make habits easier to form. So we're kind of just like working backwards. We're reverse engineering our motivation. If you want to be like you see about it and with habits, so you make it easy, you get moving on it, and you follow the same path earned every single time. So yeah, make sure that it it runs in a succinct order that you can keep doing that thing. And

that's what makes it a habit. That's what makes it almost muscle memory, that you wouldn't think of doing anything else like it is now. I don't know you could describe this for me, whether it's a habit or a ritual that I drink coffee every single morning and we make it at home. It it rarely crosses my mind that I would actually go out and purchase coffee. It's just I already turn on the water to boil without

even thinking about at this point. Yeah, So like the ritual would be already getting the water into the pot to boil um the night before, the night before. Yeah, so that all you have to do is turn it on. And for me, like I have a coffee maker, so it would be putting the grounds in there, putting the cup underneath it, and then getting ready. So all I have to do in the morning is press press play, and go press play. So let's talk long term motivation.

Since you said you've got a lot of questions about that, and this article talks about it, tell me about the Goldilocks rule. So yeah, so James Clear made this up. I'm a huge James Clear fan. I like very much fan girl because I think he's he's very smart, and the ideas that aren't his. He just he has compiled all of the good ideas into one place. Um. So he talks about the Goldilocks rule. Um, Goldilocks is you know they you know, she goes in and like steals

food from bears or something. Yeah, I'm I don't know. Yeah, but like the porridge, it's one is too hot, one is too cold, and then the last one's just right. Or like there's a bed in one of them where it's like one too soft, one's too hard, and the last one. She's always stealing from bears though, So I think that's really where she went wrong. Yeah, but the idea has nothing to do with bears. It's finding something that's not too hard and it's not too easy, but

it's just right on the edge of your ability. It's challenging enough that you have to work towards it, but you will be able to attain it uh in in a reasonable amount of time, depending on your attention span. So this could be different for everyone. Maybe somebody's is a year out, maybe somebody's six months. That has to do with your personality, like what your short term goals

are so to maintain like long term motivation. You have to keep having these goals and working to form these habits that are just on the edge of your current ability. And that's why it's important always be reassessing because your ability is always changing, You're always hopefully learning new things, um, and your goals are changing, so the way that your motivation towards those goals looks will change. Okay, so there's a whole lot or in this article that we would

absolutely point you towards. He's got some really good visuals and just really good content. But let's wrap it up on this article with just what do we do when motivation fades? Because we all know that happens. That couch is becking in. Yes, So when motivation fades, the first thing he says is your mind is a suggestion engine. Um. And he says, consider every thought you have as a suggestion, not an order. Um. He says, right now, as I'm writing this, my mind is suggesting that I feel tired.

It is suggesting that I give up. It is suggesting that I take an easier path, and if I pause for a moment, however, I can discover new suggestions. My mind is also suggesting I'll feel very good about accomplishing this work. Once it's done, it is suggesting I'll respect the identity I'm building when I stick to the schedule. So he's essentially saying, like, you have power over your mind. Why you have power to think thoughts that are different

from the ones that just pop up? What to say more ogin right, So the suggestions that come up in your mind are not orders. You can order your brain to think a different way. Which, if your brain is telling you you're tired, like, maybe that's when you should listen to It's probably not just your mind, it's probably your body. Right. But like other things like I want

to scroll on Facebook rather than finish this article. My mind suggests that a lot, but telling it no. My mind suggests that I need like chocolate after every meal, and then I usually tell it no, usually yes, but I like that. And again, we could have episodes upon episodes of some of these very same concepts, and one

of them is perspective. This is just a perspective shift to say that the thoughts that come into our mind our suggestions that we don't have to obey all the time, or that we can reason with, or that we can choose differently, or that we can negotiate with is holy smokes, that's powerful, Like no, I don't have to buy that thing, I just want to or no, I don't have to go to bed right now. I can in ten minutes and get myself to a good point. Like what whatever it is, we don't have to be a slave to

just like whatever pops into our heads. Yeah, okay, Well moving on, what else to do? So, yes, that is a tangible. It's a perspective shift, but that's a tangible of what to do when when motivation WANs recognize what are your thoughts? Because our thoughts lead to feelings, lead to behaviors. So catch it at the thought level. Yeah, there's some CBT therapy for you. Okay. Next is discomfort is temporary. This is again another place where we're catching it in our thoughts to be able to say, I

don't like this. Right now, I'm running a lot and my legs burn. Uh, it's temporary. This too shall pass. Yes, this will end, and then you're gonna be so thrilled that you did this thing. So keep going. You know that it's temporary and you'll never regret good work once it's done. That's the next thing. You will. You know that you'll be proud of yourself. We all know why

we're doing what we're doing. Like defining your why is the first thing you do when you're trying to, you know, reach a financial goal, but it's actually like doing the steps that get you there that are obviously difficult. Um So just like this is it's life and and you're gonna really love it when it's over, and getting good at this, all these things that we've described will only benefit literally every single aspect of your life that you know.

The way that this article wraps up is just talking about life being a constant balance between giving into the ease of distraction or overcoming the pain of discipline. That's that's always in forever. So it's not as if we're ever going to arrive or do this perfectly. But this is the definition of what it what it means to live. I mean, there's a lot of definitions, but this is

a good way of describing. This will always be present, so let's work to get good at it and actually be proud of the things that we're setting our hands to. You can choose to sit on the couch like that's fine, Just sit on the couch watch Netflix. You can do that? Is that the best use of your time? It's your it's it is your life, but spend it in a way that's going to make you feel proud. Yeah. And and sometimes there are times where you need rest, you

need that self care. But finding balance is a constant struggle. You're always going to be looking like to where do I need to rest? And to where do I need

to work? So we can't give you the answer to what that ratio is for you, but just be self aware and and take a note of your time, keep track of your schedule, not your ideal schedule, but what like what your time and actions actually look like on a day to day basis, so that you can begin to gauge whether you are um resting too much or working too much so or being even when you're working,

if you're being productive in that time or not. Yeah, just do the next best thing, the low hanging fruit, what's right in front of you, and that'll that'll lead to bigger things. So let's talk about fantastic article. Let's move into our next one. It comes from Stunning Motivation and it goes through ten tips on how to change your environment for greater motivation. So I love what this

is talking about because again, more tangible. I always love the tangibles, Like, okay, but what does this mean for me? What do we gotta do? And so there's ten. We're not going to go through all ten, but we've picked some of our favorites. So what do you got? What stood out at you? Jen on this one? Yeah, after reading James's article on motivation, something he made clear is that what comes what your success comes down to, is

less of your actions and more of your environment. So your environment sets up your how you are prone to act and whether you reach motivation. So this is really how do we build an environment that supports our action and motivation? Do it next to a crib? Do it next to a crib. That's what we're doing right now. This is our urgency because I know my child is

going to come home soon, and I work faster. I do work faster now that I am a parent, Like I only have like fifteen minute increments here and there, or like a gap of time wisely, Yeah, that's awesome. Jenn and I are recording this podcast together. We're in the same room, which is amazing and also in the same if you're watching us on YouTube, you'll see where we're at. So go check us out there if you

want to see behind the scenes YouTube channel. So the first part to building a motivational environment is to improve your overall physical environment. So it could be as simple as creating a vision board, maybe some inspirational posters, whatever, something to trigger what reminds you of, like why you're doing a picture of your family. Um. A study has discovered that while a messy and disorganized desk promotes creativity,

a clean and organized desk promotes productivity and focus. So that's a quote from the article, and it's another reason why, uh, we think like minimalism and simplicity is so important because when you have left fewer things, it is easier to maintain, um a clean and organized space, and that is what produces productivity and focus. Interesting about the creativity, though, you could have a messy space and that would promote creativity. I see that you can just there's so many things

to look at to be inspired by. But if you were trying to get at just productivity and focus, that's yeah, that's not what you need. To get more organized. I like number two on here, which talks about staying away from distraction ends, so finding a place where you can kind of bunker down and not get pulled in a lot of different directions. Which I realized this one firsthand when we started renting our office space. I used to work out of the camper, and some days I still do.

But I didn't realize how much I would get pulled away from little from my work by little tasks, like I'd get up to throw something out, and then I'd be like, I wouldn't even think about it. I would already be up and walking around. So now I saw something else on the floor, and I'm pulling out a paper towel and I'm wiping that up, and then that leads to putting the clothes away that are laying out on my bed, and I'm like, how did I get here?

I have to do work right now, But when I'm in my office space, that does not happen because I am in the zone where I work. Now. We all don't have like dedicated spaces for that, but we can take those concepts and say, you would it would it have been better for me to just put up a sign like where you going? What are you doing? Like something that would work for me as just a barrier to those things that I might just do without even

thinking about it. It is just distracting. So finding a space where where you can also they suggest playing like a little like some background music, or getting up earlier and making sure that the space is free from distraction. So if I were to still be working in the camper, I think what I would have to do is wake up earlier, get all the dishes done prior prep lunch,

and then get into my work. Uh And on the days when I do work for my camper, I'll even try to make it have like a coffee shop vibe, Like I'll light a candle, I'll turn on some music and make sure that what is in my visual in my vision is clean, and then I'm like done, boom, I'm in the zone. Lucky for me, I'm really good at, um like, not paying attention to mess when I'm working. Yes,

that's what's such good coworkers. I folded laundry last night that had been sitting on my floor for since the last time I did laundry, So I'm just very good at ignoring that. But okay, so my next favorite one on this is to change the environment by mixing with

the right people. And this is sometimes a controversial one, at least for me, because I had to stop hanging out with certain people while I was paying off my debt because they were not interested and they were not in the season where they wanted to pay off debt, so they were spending money on doing you know, going to expensive places and eating out and doing all of these things, and it would tempt me to spend money. So I I couldn't change them because they weren't interested

in being changed, so and that's not my place. So I had to find new friends. And so this one isn't just about cutting out. It's not even toxic people. It's just like people that aren't on the same page with you in your season right now, But it's actually finding people that are all on the same page with you. And I think the debt Free community on Instagram is such a powerful hashtag because it brings people together that

are all doing the same thing. And maybe you're not in the same place physically, although a lot of people are and they have meetups, um, but we can like come together on the internet and support and encourage each other. So it's not just about cutting out people that might cause you to spend more, but finding people um to encourage you and keep you accountable. Yeah, it's not just about cutting out, it's about feeding into like, and that's only if you're realizing it is really knocking you off

of your motivation or getting at your goals. Like. You can absolutely be friends with people who are not trying to pay off their debt, as long as it's not causing you to go into further debt. So that's where the line is. You can hang out and be friends with people who don't exercise, but if they're giving you a hard time about exercising, then that's when you're not even a hard time. They're just like, hey, we're going out for a pizza, come on, skip your work out.

It's fine, but that's somebody you have to cut out of your life for a season. And here's the thing with the with the friends that have specifically that I'm talking about, they we remain friends. I just had to you know, block them on social media and not physically

hang out with them. But then now that we are paying off our debt, they are in a season where they are paying off debt and so they are being physically responsible and now we hang out a lot, and so it's not something where you need to cut people out of your life. You just need to be honest with where you are and where they are and be patient. And it's it may not be forever, and maybe forever, but it might not be okay. I like number four

on here too, which is use the location hack. So I mentioned I referenced this a little bit with the first article, but again making things as easy as possible for yourself. So this is where they use the example of floss. If you want to form a habit to flosh your teeth, if you want to be motivated to floss, put floss next to your toothbrush, but precut floss next to your toothbrush. If you want to be drinking more water, put water in a water bottle right next to you

at your desk. Don't make it difficult to have to. Yeah, if you are watching us on YouTube, Jenn and I both have our waters there. Yeah. I make it's stupid easy. Yeah, accessible like that that was within reach, so I'm able to drink a ton of water. I'm also real thirsty. It's it's warm in Florida. Doesn't make you drink water. I'm always thirsty. Though, what else did you like on here? I mean that was that was it for me? Did you have anything else? That's it? You know what that means? Oh? Yes,

it's time for the week. 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 paid off your mortgage, Maybe your car died and you're happy to not have to pay that bill anymore. That's built buffalo bills. Bill Clinton, this is a build of the week. Hey, my name is Lorna. This may seem totally trivial, but I had to make a reprint of a photograph, so

I scanned it and then sent it to CBS. Its original price was thirty three cents would be, but I happened to have a Honey app and Honey took it down ten percent to a quarter. Well, I also have racketin, so I'm getting four cash back for that. Plus I have I Bota, So I scanned my receipt and got twenty cents. So my thirty three cent photo reprint came down to da da da. Oh wait, I forgot the tax it was twenty cents, so it came out to

five cents total. Anyway, I know that's crazy, but using all those gadgets online can really save you some money. If this was a much bigger ticket item, Oh, Lorna, that spots to show if that was a bigger purchase, then she could have saved like significant money, right, But I love that she saved significant money proportionally. Right. We've talked about this, what you do with little, you'll do with much. Lorna is doing with little what we all

could also be doing with much. And she's made it easier for herself to save money because she's got the apps on her phone. She has I bought a and racketin already there, so it does it will show you, like what your savings will be. So she doesn't have to do she doesn't have to do a lot of effort looking for savings. She set up systems that savings

almost come to her. Yeah, And so I think that's a rate kind of segue um from what we've been talking about with motivation and and just into this bill of the week where Lorna has not even heard this episode and she's already taken the steps to make the rituals to make the promit of savings easier. So thank you, Laura. Thanks Lorna. It's not silly, that's so funny. Picture well done. If you have a bill of the week you want to share with us, no bill is too trivial, get

that out of your head. We love them all. Please visit Frugal Friends podcast dot com slash bill and you can leave us a speak pipe or Google voice and we will play it on air. And now it's time foring wound. You guys, we told you that, we we told you just way for the lightning Round. It's going to be the most exciting thing ever. And here's what we got for you, girl. I'm about to pay off my debt. Jill's gonna do her debt free scream. She's gonna pay off the debt and do the debt free scream.

I'm going to pay off my doll on this podcast episode because it's episode one hundred, because we're video recording it, because my husband's right here, and because I got the window up and the money to spend debt free. Not yet, not yet, Okay, Eric's gonna come over and he's going to be on the podcast for a minute. Definitely check this out on YouTube. Too, if you want to see, Um, here we go. We're making our last payment on our debt,

and then we will be Thatt free. In these final moments, automatically yeah you think, do you want to click it together? This is cute. I mean it was. It was all mostly my debt. Should I yeah? Yeah, you gotta press over here too. This is like cutting the cake one to three guys. Congratulations you guys. Yeah, oh, and I'm to yeah, okay, you guys. So I wanted to share that with you because, honest to goodness, I think a lot of the reason that we are at this point

is because of this community. Certainly we had this goal previously, but I think I went harder at it than I would have without this podcast, without this community. So when I realized that we were close to paying off her dad, I was like, oh my gosh, I want to do it on the podcast with our immunity present and listening. So thanks for sharing in this with me. Oh my gosh, I'm so many feels. Yeah, this is so exciting. I am. I am excited, You're excited. I can't believe. It was

a great lightning round. This is probably my favorite lightning round that we've ever done. I don't know if anything we'll be able to top it. Like we're all congratulations. If you please get into our Frugal Friends comedie on Facebook and give Jill some love. If you're watching on YouTube, please give Jill some love in the comments. And we would love to know how much you are, how much debt you're trying to pay it too. So I actually also this is what's going to just make this lightning

round even better. I want to pay it forward, and Eric and I have talked about this. We're both on the same page with it. Uh. I have an incentive for you. If you are currently on your debt payoff journey, I want to give you a small boost. So here's how you do this. Subscribe to our Frugal Friends YouTube channel because now we're on video. So go to our Frugal Friends YouTube channel and hit the subscribe button and then comment on this video. It's episode one hundred with

how much debt you're paying off. I'm going to select one winner by March to get a fifty dollar Amazon gift card, So fifty dollars on Amazon so you can spend it on something you might have already purchased. And then put that fifty dollars towards your debt. Right, but I can't figure out a better way to kind of send you some money, so it will be a fifty dollar Amazon gift card. Again, I'm just gonna pick one person because I'm paying it forward. But I'm not rich.

I'm not that rich, right, You can, though, and I want to share this excitement with you. And I know that it takes a lot of work and motivation, So I hope that my energy and excitement can provide you some motivation. And I also hope to encourage one of you out there with just a small boost towards your debt payoff. Story. Yes, so if you're listening to when this goes live on March, you have until March um.

We will be selecting a winner at seven pm Eastern Standard time, So please head to Frugal Friends on YouTube, subscribe, leave a comment on this video, and Jill will select a winner in on a Thursday. Yeah cool. Yes, So thank you all again for being here and listening to this podcast for god hundred hundred no better way to celebrate a hundred of the sand. Thanks for being here for me. You guys, you are so much of the reason that I paid off my debt. So I'm so

grateful and we I am so grateful as well. This podcast has changed our lives and we don't say that inconsequentially. Yeah, we talked about motivation. Community is a lot of that motivation, So please do connect with us on our Frugal Friends Community Facebook group. Um, there's so much just energy and people talking about this kind of stuff, which also helps to produce motivation. Yes, and we do appreciate you guys

sharing the podcast and leaving reviews. It helps people find us so that we can keep doing this and we can get better paying sponsors so that we can maintain this without going broke. So to show our thank you to you, UM, we just want to read one review today and it's uh from Cara Saw. She says, I appreciate Karaco. I think that's how you pronounce it well, TBD. I appreciate this podcast so much. I get my frugal

dose in while listening to two fun ladies. I need more fun frugal friends in my life as a military spouse and a stay at home mom before, I am always looking for ways to enjoy life frugally. We're currently stationed on the very expensive island of Curosau or Carraco. I think it's carros How and your podcast have brought needed direction and joy into my day. Thank you. You are welcome. Yes we are thanks, Yes, we love it. So we also want to thank all of our friends

who share these episodes on social media. So when you share the latest episode has to be the latest one, tag us on Facebook or Instagram. We will add you to our monthly drawing. For every five tags and reviews we get each month, we're giving away one ten dollar Amazon gift cards. You're getting all kinds of to be megan some money for is getting our money, and we're giving it to you. Yes, So keep leaving us those reviews.

You can screenshot them and email them to Frugal Friends podcast at gmail dot com, and keep tagging us on Instagram and Facebook, and we'll be giving away those little tokens of our gratitude and appreciation to you. Yeah. Man, hundred hundred episodes, hundred more to go and we're done. See your next morning. Crugal Friends is produced, edited and mixed by Eric Syria. Okay, I'm looking up how to pronounce it cras So how did you say it cure us out? Oh? Wow, it's curous out. What's carraco? Then

craca or caracas? Venezuela Morocco? You've you've combined Morocco and corracas. Whatever. I'm zet three now whatever, it's episode I'm de free. Right after two and a half years of being debt free, you'll start caring about other people's countries where they live. Again, it's an island. It's a country though, too, right, is it? Wow? Ask ten people, you'll get ten different pronunciations. Well, somewhere out there there's somebody. We're giving us a nice review

and paying off debt. But do you know how I know that it's curosow? Tell me because that's where blue caros ow comes from the liquor. I just always would have called it blue caraco. Yeah, that's what I want. Drink right, turns things blue. How are we going to celebrate Oh my gosh, how are we going to celebrate blue drinks? Let's do something. Let's let's um, let's go to the beach. Okay, fine, we import Let's go to the beach.