How to Pay Off Debt Faster in 2021

your student loans. I paid mine off in so I feel like we have enough perspective now that we can talk about this again with deeper conviction. Absolutely well and from the standpoint of yeah, the freedom is amazing, do what you can do to get there. Yes, so that is what we're getting into today. But first our sponsors. Today's episode is brought to you by drum Roll. Please. Three secrets for creating a debt payoff plan you'll actually stick to. Does that sound exciting? That sounds lengthy. Yes,

it's a lengthy ad over at modern frugality. My goal this year is to help people stick to their debt free journey and make it as short as possible. Modern Frugality, for those who don't know, is um my Gen's personal blog and YouTube channel. So I want you to pay off your debt as fast as possible, but I want you to do it in a way that you don't

feel suffocated by frugality. So that is my goal, and I am kicking off that initiative with free live class this Sunday, January tenth, at eight pm Eastern Standard Time, with three strategies you can implement this week or immediately to create a debt payoff plan. That's more than just a New Year's resolution, but it is a plan you can sustain. And I don't hear many people talk about it or how important it is, so I'm calling them secrets.

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Oh that is so real. That's made me think of when I was pregnant and I couldn't go on any roller coasters. Are you pregnant? Maybe you can't ride? Might you become pregnant? Might might you become pregnant on the ride? I don't know what people say, like, are you pregnant? Nursing? Might you become pregnant? Then medication? You've got those mixed up in your weird world. It is a weird world I'm living in over here is okay? I'm living in

it all right. So let's get into our headlines. The first article that you might find when you google how to pay off your debt faster? Is this really great one for money under thirty? And I love the title for it to kick debts, but how to get out of debt on your own? It was just of the articles that you could find on Google. Was my favorite on the front page. Yes, it is a good one, and I think highlights some really helpful components. I will say this is my own caveat, this is maybe a problem.

I might be a little jaded. Okay, let's face it, I am. I am a little jaded. This is written from the perspective of a young, single Caucasian male telling us that anybody can make more money and get out of debt quickly. So let's just recognize who's talking in the perspective that it's coming from, and please hear from my mouth that I recognize we are all in a variety of different circumstances, in marriages, with kids, with various

types of debt, with various types of income levels. So while yes, the principles are fantastic and I really enjoy the motivation that's present in this article, if you do read it, definitely recognize just the context from which it's being written, because I think sometimes it can come across

as like, oh what am I doing wrong? When you hear people make these intense statements like everyone should be able to do this, see I did it, and it's like, well, okay, but there's a variety of factors that are present that made this possible for him to do it so quickly. For sure, So all the principles are true. But that's my little caveat for this article. You should take everything you find on the internet with a grain of salt, way to bring in big picture. Yes, yeah, that's probably

the rule. And if you do that and you have a healthy level of skepticism about everything on the internet, but I think you'll be really pleased with the advice he gives. So the first one on this list is to confront it. So how much debt do you have? And this one kind of hit home because before I was paying off debt, I avoided looking at my student loan balance. I avoided my debt, and when I had credit cards, I would avoid looking at it and just

set up the minimum payment on auto pay. So confronting it seems so small, but in order to gain the initial momentum, initial speed needed to pay off debt, it is so necessary to take that big scary step and get it out all on the table. Yeah, and it seems like, well, yeah, obviously you have to know this to move forward. But I do think that this is the biggest barrier to entry for most people is what

are we even looking at? But I also have heard in our what nearly three years of doing this together Jen, anybody who has shared a debt payoff story with us, they did describe a fear and anxiety and overwhelmed to looking at the numbers. However, without fail, everybody describes that once they looked at the numbers, it provided motivation of Okay, now what do I got to do to solve this problem? Once looked at it no longer held that mystery and anxiety.

It just allowed for steps to be taken. So recognize that the fear and anxiety that you might experience a about confronting it will immediately go away once you confront it. Those are just emotions that you deal with. Anxiety is going to be present of like, okay, this is a lot, but typically it provides you with the motion that you

need to then respond and take action. The next thing on this list that would need to happen is to change the behaviors that got you there another somewhat obvious one, but to recognize that just saying Okay, I'm going to get out of debt is one thing, but we also need to look at what were the propelling factors that got me in this position? For him, for the author of this article, he was in consumer debt, so he certainly had to take a hard look at his own

spending and change that. So I know for a lot of us it might have been student loan debt. And he does address that, and I did appreciate this. You'll hear this of change the behaviors that got you there, It's like, well, it's schooled debt, so what am I going to do about that? Well, it's a real reality that a lot of us consider going back to school. So recognizing this is weady. Yep, you might have gotten yourself into debt to get a degree and it might

ultimately pan out and be worth it. But before you look at getting that masters or sinking another hundred k into a PhD, don't let's look at paying off our debt first. Not don't do it, but just like let's think of ways to cash it. Like jil you cash flown your masters before your bachelor's was paid off, And it's interesting and I'm realizing some of the value of that too. And I think I've always approached this as a well, that's me, and that still is the case.

Not everybody's circumstances are going to be my circumstances. But I'm starting to see that there is a bit of a key in that that I think is replicable of taking it that seriously. If debt feels that overwhelming, and if the amount of debt you're in, even if for school loans, is massive, then the steps we need to take to recover from that are quite massive. And so I did take some drastic and maybe extreme steps to be able to get my master's degree without going into

more debt. I think that's how intensive I was about it. I knew that I wanted my masters, and I knew I wanted to get it within a certain amount of time. But I also knew, no way, no how am I going to do this by acquiring more debt. And I do think that there are ways if we're willing to do some extreme things to kind of commit to that of here's the debt level that I do have, but

I am committed to not getting into further debt. For me, the extreme thing was moving into a motor home, really cutting our living expenses, which for most of us is where most of our paychecks go. Most people spend about twenty of their income on housing, and so we cut that to the bare minimum. And it is what allowed me to not go on a further debt from my

master's degree. So I know that that's not everybody's circumstance, but I think this is an incredible point that even if it is school, that we can look at changing those behaviors so that we don't acquire more debt in the process. Yeah, and it forces you to get creative, to think outside the box. And maybe you do have to take out a little bit of school debt, but way less than if you had just taken the easy road and signed on the dotted line for all of them.

So we're not saying that there is one way to do it, but there is more than one way to do it. The third is to earn enough to get out of debt. So this is kind of the one that I see the most. Is like when I ask people what would make it easier for you to pay off debt, like what would be the most beneficial like, literally, the first answer is always more money, So it's not always a save money problems. Sometimes there is an income issue that you have to address in order to be

able to pay off debt faster. For us, when we started paying off our debt, my husband Travis was unemployed. We had just gotten married, so we'd spent all of our savings on our wedding, which was still very affordable. But we didn't have a lot of savings and I was only able to get twenty five hours a week at my full time job, like that's max amount I could get. So we had an income problem, and we

did everything we could to raise our income. And so, long story short, that eventually led me to stress out, get shingles, and realize I also had to couple that with saving money. But it is very often that earning more income is the fastest route to getting out of debt. This was such a mindset shift for me that I'm so grateful for, and I really do think doing this podcast for me personally has helped in that mind set shift.

I think I previously had this idea of well, I'm just kind of capped, or this is the profession that I've chosen and I'm not super money motivated, and so I thought, this is what I make as a social worker, So this is just what I need to become accustomed to. And I think I started to see permission in saying no. Actually, as I gain in my skill set and knowledge and wisdom and financial goals, I am able to find ways to earn more, whether that is within my profession or

getting side hustles or raises or you name it. I think sometimes not for everybody, but I was definitely in the pool of this never totally occurred to me. I kind of imagined that as I went throughout the decades of life, I might start to make a little more, but I never had my sights on actually aiming at that and finding ways to make more. So I just want to encourage people who might find themselves in that position that there is freedom and permission to figure out

what do I need to do. There is a bit of a mindset shift necessary, whether that's get a second job, negotiate raises, find work that does pay you more. There is permission to do this. We don't just have to resign ourselves to the way life currently looks. Absolutely. So from there we want to start talking about tools. So those are the three tips that this article gives on kind of what we need to do to kind of

really buckle down. And now now we want to jump into all right, what are some of the hammers and screw drivers that we would use to make this possible. So one of the things that he recommends is utilizing

balance transfers. So we're talking about credit cards with this that there are oftentimes credit card companies who will offer a balance transfer a k A transferring over the debt that you owe to another credit card with a zero percent a p R. So he gives the example of let's say you've got a balance of two grand on one credit card with a p R, and you're able to transfer that to zero percent a p R. For twelve months, you could save up to three hundred dollars

in interest. Now, it is important to recognize the pitfalls. Certainly for those who don't have credit card debt, then this is not useful information. But for those who do, recognize some of the pitfalls in this that you still

need to be able to pay off the money. Ultimately, I think This just buys you more time, which is great, but there can also be the element of carrying a credit card might be temptation, So we definitely need to make sure that we're not spending more, that the credit card continues to be paid off at intensive rates wherever possible. But it can be useful just for buying you more time and cutting out some of that interest and ultimately

only save about three in interest in this example. So the amount of interest you save is not life changing, but it does help if you're trying to pay off your debt faster and you're already committed. But sometimes it can be a little hard to qualify for these. For the good bounce transfer cards, you oftentimes need excellent credit. There's only a few for people with good credit, so it doesn't actually help the people that it's probably trying to help unless you do have excellent credit, and then

this is something you can utilize. So the second one is debt consolidation loans. It's becoming a lot easier to find unsecured personal loans made for paying off debt, and so this is one of the things that he used. So he said he had too much debt to get new credit cards, and the balance transfers wouldn't work for him because of the transfer would he would just spend again on the old credit card that was his habit. So that is a very common habit. So balance transfer

credit cards are definitely not my favorite. So the author consolidated his credit card debt with a personal loan because personal loans often the average interest rate is about half less than half maybe of what a credit card interest rate would be. So if you have a lot of high interest loan debt that it's going to take you, possibly multiple years to pay off, then this would be

a good option. If you're going to be able to pay off your credit card debt within like six months or around there, I don't think you should bother with either. I think you should just pay it off because doing a hard credit inquiry and getting the loan, it's all just extra stuff onto your credit, lowers your credit stree length, all this stuff, so it's just not worth it. But if you have debt that can be consolidated and it's going to take you multiple years to pay that off,

this could be something to look into. The next thing he mentions is credit counseling and debt management certainly we're talking about some more extreme cases where it will take you what looks to be many many years to pay off debt or kind of what's seemingly insurmountable amounts of debt when you look at your debt to income ratio,

and so this could be an option. And the benefit of going this route is that you can work with third party companies who are experts at negotiating and lowering interest rates and helping you figure out where you might be able to consolidate. However, be where there are debt settlement scams out there, and while the government has cracked down a little bit on this, you definitely need to be eyes and prudent about this. There's a couple of

organizations out there that are listed. The National Foundation for Credit Counseling is a nonprofit organization that is reputable. They provide credit counselors. There's also another reputable organization called Accredited Debt Relief. All linked to both those inner show notes. If this feels like potentially the route that you need to take, but ultimately these are organizations who will assist to work towards some negotiation and figuring out payment plans

for you. If you need some of that extra help. I would recommend that you try to do like figure out a plan on your own, try to see what is possible for you. But if you are finding okay, I have already set my hands to that and it's not working, this then would be the next step. Mm hmm yeah, definitely. So we will move on to our next article, and it is from every Dollar, one of favorite budgeting apps, and it is how to pay off debt faster than ever, and it's got an encouraging little

picture that says you can do it. I love encouragement. But yeah, what did you think of this one, Jill? This was I guess my second favorite article in Google on this seems it seems practical. Yeah, it is the basics. This is ultimately what Ramsey solutions. The way that they recommend going about paying off debt, which is a lot of our gateway into the financial freedom world, is the

concepts that that they put up put forth. So I think a lot of it is really great reminders, but in a really simplified format that is I don't want to say fool proof, but you follow this pathway and you can become debt free. The length of time that it takes will vary person to person, But I do think that if it's like, well where do I start? What do I do here? It is here's a pathway forward. Do these things you will be definitely And I feel like these steps are a little easier to digest than

maybe what we normally hear from Dave. So the first one is right down all your debt. We heard that in the last article, but I think it just bears repeating that transparency is key to health, to being healthy, with relationship, with finances, with everything. To be open and honest about that with yourself. You don't have to broadcast it, but you need to be open and honest about where you're at with yourself. Yeah. And the next one, oh boy, you all are gonna love here in this because it's

always coming out of my mouth. Number two, make a budget. Yes, there's no way around this. Like the and especially when you're in the debt payoff phase and you really want to just get serious about this, you have got to make a budget. There's all different kinds of ways to make a budget, there's different ways of approaching it, so

find what works for you. But you do need to know what you're spending how much you have to spend so that you can rein it in as much as possible and put as many dollars and cents towards your debt as possible. Yeah, and hopefully you caught our last

episode last week on Minimalist budgeting. There is a reason that our Minimalist Budgeting episode is still one of our most popular episodes because you know you need to make a budget, but it is difficult to stick to one, and so finding a way to budget that fits with your lifestyle is important. But also changing your lifestyle i'll to fit with regularly tracking and sticking to your budget is equally important, So put equal weight on both of those things. The next is to save a thousand dollar

safety net against debt. So I like that this said safety net in this one because typically when we think of Dave Ramsey, we think of the thousand dollar emergency fund, and for people on a variable income, the emergency fund, especially in a thousand dollars can seem very low, and so a lot of people will save a bigger emergency fund.

But so what we did is we had our thousand dollar emergency fund, but we also had a quote unquote safety net in our regular checking account for expenses that we were not anticipating, so that we would not have to put money onto a credit card. Because we were making such large debt payments so frequently, that budget was

always zero based. So I really like the idea of in addition to having an emergency fund, and I know that's not what the article is saying, but I like the idea of also having a little extra safety net for those almost like a sinking fund, but for a regular expenses that are maybe are too big to be caught by your miscellaneous fund, but you can anticipate so

they're not emergencies. So just having a safety net against debt that's somewhere in the middle of emergency and miscellaneous, I think is a really good way to protect yourself against debt, also to protect your mind against the discouragement that you feel if you have to go into your emergency fund or if you break your budget. It can protect you against that, and that in itself will keep your momentum going and so you don't slow down. Nice. The fourth thing on this list is to create a

debt payoff plan. So once you've done those first three stuff ups, now it's time to consider how am I going to do this? What's the methodical way in which I'm going to approach this debt? And there are some key components to this. Certainly, you want to look back at your budget and find ways to tighten up your spending, meaning cut out the extras, get rid of subscriptions, cut back on maybe you're eating out an entertainment spending. You

know where your money goes. If you've budgeted and you've started to look at your spending and track your spending, so then figure out where might I be overspending or spending more than what I need to and cut that out so that you can free up more money to put towards debt forever. Ah, that feels so good to say, and then figure out, okay, what's the method that I

want to use. Of course, they recommend the snowball method, where you find your smallest debt, you make payments on that smallest debt, and then once that's paid off, you put what you had been paying towards that debt towards the next smallest debt while you're also making payments on those. So eventually the idea is that the amount of money that you're able to put towards debt. As each one gets paid off is bigger and bigger and bigger and bigger.

Certainly look up the debt snowball method if this is not familiar to you, but it can be a really effective method. It's not the only method, but certainly can be quite useful if you've got a lot of different loans or debts that you're not quite sure how to tackle. I certainly think interest rates come into play. How much in interest you're paying to each one. That could factor into the timing in which you seek to pay off different loans. Yeah, we personally used a combination of the

debt snowball and the interest based plan. The debt avalanche where the dead snowball is psychologically keeps momentum going faster, and so that is kind of what we're talking about here. If you want to go faster and further, then the debt snowball psychologically is a better option if you want to save more money and you're not motivated by quick winds and other psychological tricks than the debt avalanches for you. But we used a combination because my interest rates for

my student loan were double what travises were. But my debt was also double the size, So because there were smaller loans in each of our student loans, we were able to start with mine and then snowball the smaller loans within it, so we still got those psychological quick winds with the advantage of saving some on our interest rate. And then when that was done, then we went to Travis's and did the same thing within his loans. So you should make it what you want. You should make

it what works for you. But knowing that just because the debt avalanche may save you a couple hundred bucks doesn't always mean it's the best route. I mean, the best math answer isn't always the right answer for life. Well said, So the fifth one is to never go back to debt, which I think is important, but I think it's also important to be flexible on this. So knowing a lot of people who have paid off debt, being in this industry, I think everybody has their debt

free story, and I know a lot of people. And getting to the end of your debt free journey is not just financially changing, it is life changing. And once you get out of debt once then you are motivated to not go back. You are armed with information you didn't have before, wisdom and a lifestyle you didn't have before, and you are much less prone to the lifestyle that

got you into debt. And so if for some reason and you are debt free and something happens where debt maybe the path of least resistance, then I don't see it as a horrible thing to maybe take out a car loan to keep up your retirement investing rate, or to take out a small personal loan if you have medical bills that otherwise would go on a credit card.

So you will have more wisdom and knowledge about that to discern the right answer once you are out of debt, but you don't really get that wisdom until after you complete the journey. I became debt free and then we bought a house, So yeah, technically I'm in debt, but it made sense for us based on what our living situation was, and not putting money towards a rental situation but putting money towards our home. So yeah, yes, there

is freedom. You've heard us say this before. There is freedom, and this frugal journey to figure out what we're works for you, but ultimately there is great freedom and becoming debt free, especially in the way that makes most sense for you. And with that number six. This is my favorite and I love that it's on here, and I love the permission it provides celebrate every win along the way. So we're not just talking about waiting until the day that you become debt free to pull out the kazoos.

We are talking about celebration along the way at every small or even large win in your journey to debt freedom. So while this definitely does not mean spending thousands of dollars on a nice vacation after paying off a thousand dollar loan, this does mean treating yourself in small ways. They give examples of getting a nice coffee drink, or doing a pizza and with the family, or you name it,

small things that you know you enjoy. To give yourself that space to recognize the accomplishment, the work that it took, the intentionality that it took, sometimes even the sacrifice. Again, it helps to feed motivation. It helps us to feel accomplished and to recognize that there are even small things that we're working towards in this journey, not just the final end goal. Little small steps and small winds are

worth celebrating. Yeah, I think when you're first starting out, if your loans aren't set up in the snowball to give you a win every month or two, then make your own milestones to give yourself those quick winds sooner.

So it's different based on everybody's income and amount of debt and how the debt is distributed across loans, so kind of try to reverse engineer what your debt path plan is and figure out what your milestones should be to get you a win every one to two months for maybe the first six months, and then beyond that every two to four months. It's very important to celebrate accomplishments along the way. We are so good at remembering when we mess up, when life hits us, when we

bust our budget. We're so good at remembering those things, and we are not as good at realizing the progress that we made and patting ourselves on the back for our accomplishments. Do you know what is an amazing weekly celebration? Oh my gosh, I am always patting myself on the back for these people's accomplishments. It's the Yeah, that's right, it's time for the best of your entire week. Maybe

a baby was born and his name is Williams. Maybe you paid off your mortgage, maybe your car died, and you're happy to not have to pay that bill anymore. That's bills, Buffalo bills, Bill Clinton, this is the bill of the week. Hi for gool friends. I love acme to your podcast. I am Brittany, and my bill of the week is I was able to pray my entire six months insurance up front, so it saves me twenty months overall in like five bucks and months they would

have charge for like a bill. See, so I paid it all at once, but I saved that money than Yes, Brittany, you I love that. That's a double win because I think, not only is it all covered, did you have the money to pay it all up front, but then you also save money for being able to pay it all up front. Many insurance companies do give these incentives for paying in lump sums, and I think it's incredible when

we're able to do that. Awesome Bill, Brittany. Yes, I think it's unfortunate that companies reward people with money instead of helping people without, but it is a way to save money. So sometimes you have to play the game. In order to to win. And you have done that, Brittany.

I am proud of you. Well done. If you want to submit your bill of the week, whether it has to do with a bill that you paid off in full or saved money on, or you know the drill, even just a person named Bill, visit Frugal Friends podcast dot com slash Bill. Leave us what you got, yes, and now it's time for round cool. All right, Today we are sharing what's the one thing no one told you about paying off debt? So one thing you couldn't find on Google, So go for it. I will go

first because this is my question. My friendships changed, so I realized I wouldn't be able to go out with my friends as much. But I did not realize that my friends would still want to go out without me. So on the weekends, they were still living their lives. They did not want to pay off debt with me, and I was at home without friends, so that was

pretty isolating. But I didn't let that keep going. For our debt path journey, I found new friends that wanted to hang out at home, play games, watch movies, go to free things in the park. So my friendship has changed during that season. And a lot of my friends from before we're still friends now. I didn't lose friends, but I did gain some really great relationships and memories that I would not have if I had not been

through that season. Yeah, I do appreciate you talking about this quite often, not all the time, honviously, but on the podcast, because I don't think many people do address this of some of the ways that it shifts our lifestyle, which impacts other aspects of our personhood. Definitely relationships, and that's definitely not a reason to not pay off debt, but it does impact all aspects of who we are, and particularly if we're looking at ways to not get

into more debt. If a lot of the reason for our being in debt or not are having trouble saving is because of what we choose to do with social events and gatherings, then yeah, we're gonna have to make some shifts which will inevitably impact relationships. So it's not talked about often, and there are ways to still care for ourselves relationally in that, but yeah, it is a good thing to speak about and make people aware of.

So thank you, You're welcome. I think for me, I never heard from people that I could pay off debt that it sounds so silly, but I don't even totally remember where my desire to pay off debt originated. But in the community and environment that I was in, this isn't something that people were doing or talking about doing.

I think I did take a financial peace university course my husband and I shortly after we got married, and I think that that's partly what sparked my interest in this, But certainly no one said that it would be possible to do before the projected dates of payoff. You know, with the amount of debt that I had and the income that I was making and the minimum payments that my debt required, it would have taken me thirty years if I did the bare minimum to pay off my debt.

I didn't have a massive amount of debt. It was just the fact that, like they were only requiring because my income was so low, like around a hundred dollars a month, so it would have taken very, very long. So I think I just never really heard from anybody this is a worthwhile goal and you can do it even though you don't make a lot of money. And I think once I decided for myself that this is something I want to do, and I think I'm going to try whatever I can to do it despite my

low income. I'm so glad I did, holy smokes, not just taking the path of least resistance of paying the minimum and having this thing looming over me for decades. There's a lot of changes that needed to come into place, but I just didn't have a community that was even had their sights on this. I know it's super common. There was no one trying to pay off their debt when we were paying off our debt, and I think

a lot of people feel isolated by it. And I think another thing is that people will say, like, Okay, I'll start paying off my debt once I get this raise, or I'll start paying off my debt once I get this other job, or once I move, YadA, YadA. But there's no good time to start paying off debt. If you start from a good place, you're inevitably going to have something happened to you that's gonna like bring you down, and then you're just gonna feel discouraged and you're gonna stop.

The best is to start at the way way bottom, because you can't go down from there. Like when we I was underemployed. Travis was unemployed. Like literally, there was no worse place we could have been at to start paying off debt. And we didn't realize this at the time, but I'm glad we didn't realize this, But yeah, it just made every accomplishment feel like that much more of a win. Yeah, what we did hear from people is, oh,

that's good debt. You know my debt was student loans, or oh it's not a ton of debt, or you know, there's plenty of things you do here when you're in this journey, but yeah, there's a lot that you don't

hear as well. I never would have thought I could pay off the debt in the amount of time that we paid it off, and that just kind of came as a surprise as life happened, you know, I was kind of just like, as soon as we can, but recognizing it was probably going to take about ten years, and I think all said and done, really it was maybe six years, which I'm so grateful for. Yeah, and literally right before pandemic. Yeah hit a fan, great timing. Yeah,

we became debt free in February. I think I've mentioned that on another podcast episode. Holy smokes. I didn't even know what was coming, but because we had been diligent prior to we didn't have to worry about those debt payments and it did free up some money for us. Man, thank you guys so much for listening, and I hope that we can bring you another really solid year of

helpful podcast episodes. Every year that we do this, we feel more and more encouraged by how much this has helped you, and so this is what we're here for. We're here to only bring you stuff that either helps you or makes you laugh. And if it doesn't do one of those two things, you probably won't hear it on this podcast. So thank you for listening. Thank you for your kind reviews that let us know what is most helpful so that we could do more of it like this one. It's from Alicia K eighty and it

just happens to be five stars. She says. My soul sisters who do this. These two are my sisters from other misters. I recently stumbled across this podcast while looking for frugal tip podcast to listen to while door dashing my side hustle. My husband and I recently started our journey in August to pay off our fifty eight thousand in debt. I live outside Philly, so I love listening to Jill talk about when she lived up north outside of Philly, and her voice and laugh always make me smile.

I feel like I could sit and look through missed connections on Craigslist with Jen for hours. Either way, these two keep me laughing the entire time I am listening. I get to learn lots of new tips and ideas while enjoying their banter. Kudos to you, guys for keeping us entertained while giving advice. Keep these episodes coming. We will. This is a fun review referencing inside jokes. Even who Did was a Bill of the week phone call that came in to us probably accidentally and has become our

big joke. And also, I love that you love how much I hate Philly. That's great. That's great for all of us. So we also want to thank our friends who share these episodes on social media. When you share the latest episode and tag us on Facebook or Instagram, we're adding you to our monthly drawing. So for every five tags and reviews we get each month, we're giving away a copy of The Frugal Friends workbook, So keep leaving us reviews on iTunes or Stitcher and sending those

screenshots to Frugal Friends podcast at gmail dot com. Don't forget to tag us on social and don't forget to head to Modern frugality dot com slash training to enter into the lovely training that We've got going on this Sunday. It's gonna be real fun, it's gonna be a lot of frugal friends, and I'm stoked on it. I'm just stoked. See you next week. Frugal Friends is produced by Eric Sirian. So in addition to this live training on Sunday, I wanted to leave this to the after show because this

is this is exclusive, secret secret, yeah, secret secret. So my new course, financial Freedom Fast Track is open for

the next seven days. It is something I've been working on for months and months and it is literally all about how to set up the foundations for your debt payoff, to sustain the journey, get it done faster, and then also what comes next, because I feel like I was super lost when we got to the end of our debt payoff and there was some advice, but there wasn't advice for that bridge for those like several months of that bridge from debt to debt freedom. So I am

super super excited to share that with the world. It is my second baby. You're doing so much in January doing live calls and free things. Yeah, it's so much. People can have so much access to tips through you. This is the time when people care most about their finances and so I am here for it. So true, I am here. I'm here for you and all of it. And so if anybody wants to check out the Financial Freedom fast Track before people that enter the live train and get access to it, you can check it out

at modern frugality dot com slash fast Track. I'm super proud of what's in it. I'm super super excited to enter into this journey with people for for a month at school, joone even more access to me, like four weekly coaching calls and off Facebook community group. We're going to have a lot of time together, so much more from gen. Yes, if you're not sick of me already, I'm going to be here for you more. If you want more of me, I'm here for it. I'm very excited me too. Okay, Bye,