How to Pay off Debt on a Single Income w/ Budget Girl Sarah Wilson

the Frugal Friends podcast. Not really, but I'm feeling good because today we have an interview with Sarah Wilson, known as budget Girl on YouTube, and it's on a topic that we get so many questions about being frugal and paying off debt when you're single. And Jill and I don't have any experience, so we brought someone who has all the experience. We're not experts, we don't claim to be experts on everything, so we bring in the experts.

You're welcome. We're only experts on singing podcasts. Yeah yeah. And for the money, let's get into our sponsors that pay for our song and dance here. This stuff doesn't come vote free. Don't also brought to you by Saving your rappers. We're mostly talking about gum here, but I'm sure you can get creative with other types of rappers. For an avid gum chewer myself, I am a big

fan of saving my tiny paper or foil wrappers. There's nothing worse than chewing the last bit of flavor out of that stick of gum and not having any place to spit it out. If you're my grandfather, you would just put the chewed gum behind your ear for later use. But choose the more hygenic option and save your rapper. Saving rappers, saving sidewalks, the underside of desks, and the back of your ears. Since about nineteen, I don't know

I made that's fine. I mean other rappers. It sounds about the writings that deserve saving, might be Emnem, Kanye West, Nicki Minaj, what are you saving? Kanye Nikki? And right Prosecurity. So I don't know, that's just what it made me think of that, and uh, you know, whatever your life go for saving it. I can't late, So I'm gonna introduce our guests today. It is Sarah Wilson from budget

Girl on YouTube. She has thousand YouTube subscribers. She paid off over thirty tho dollars of debt, making less than twenty six thousand dollars at points, and so she is a expert in paying off debt without a second income, without a high income, and she's just got some great things to say about being frugal when you there's a limit to how many costs you can cut. So without further ado, let's get into it. Welcome Sarah from Budget Girl. We are so excited to have you on today. Thank

you so much. I'm excited to be here. Okay, Sarah, glad to have you. Yeah, when we were starting the Frugal Friends podcast, I don't know if you remember this, but I emailed you and I was like, we have to get you on. You would be a perfect guest. And then we just started getting all these other guests, and now over a year and a half later, now we finally have you on. I'm very glad. I'm very glad.

I lived around the crowd that kind of came in when we had our site set on one girl off in the distance, and then everyone else came and we just kind of had to weed through it to get you know, I am always happy to be waiting the wings to like com party anytime anywhere, any place. So yeah, it was perfect because we actually had a lot of interest in our Facebook group, the Frugal Friends community about

paying off debt when you're single. We have a lot of single people, and um, we got to comment on there that she just found that a lot of personal finance advice wasn't applicable to her because she was single, and at least that's what she thought. And so I instantly thought, of you no better person to talk on this subject as you who paid off so much debt, So first, can you tell us about your debt payoff journey and just get everybody up to speed who doesn't

already know about you. Absolutely. So in I lost my job. I was a UM section editor for a newspaper and they found someone who could do it cheaper. So I was out of work for like five months, and I was terrified because to that point I hadn't been paying on my student loans. I was deferring them because I

was only making about like grand a year. I was also not budgeting, so I can't tell you exactly what I was making, um, but I swore being in that place of on unemployment thinking that I had all this debt above me thirty three grand to be exact, and it was just growing every day and thinking that I was going to have to go work like food service to survive, and that like the entire college experience was going to be for nothing, and that I was just I was just done. I was I was worried about

being done. I was worried about being able to eat. And I swore that when I got a new job that I would do whatever it took to get out of debt. So after about five months on unemployment, I took a job in another state and moved from Mississippi to a small town in Louisiana as a beat reporter for a small newspaper for twenty six thousand dollars a year. I moved into the cheapest department that I could find.

It was it was in a good night okay, And I started budgeting, and I budgeted every single sin that was coming in. And I made it my job in my hobby to make more money to try to pay off debt. So I delivered. I'd worked. I worked a full shift with the newspaper, try to get as many overtime hours as I could. I did as many side hustles as I could. I trained dogs hustle. It was a side hustle and it's not trained dogs that it's well trained. That's awesome. Yes, um, I did secret shopping.

So um. One of my secret shoppings was going to Walmart gas stations and attempting to buy cigarettes because at this point I was like I was in my early twenties and like twenties and seeing if they carded or not. I don't ask me to do that for my age, um, and usually they did not, and so they would get in trouble and I would have just a lot of cigarettes that I would make for more money, which was

recently pointed out to me is probably illegal. Um. So yeah, I'd get paid like eight bucks to go purchase cigarettes at a gas station, and I'd get remburse for the cigarettes as well, and then i'd resell the cigarettes for like four bucks to a coworker of mine. So that turned like doing that once a week at some of the local gas stations turned into a little bit of

a good side hustle. I. Um, when that wasn't enough, I started like flipping things that I found at yard sales and on the side of the road, and then I started delivering pizzas from ten pm to three am after my shift at the newspaper, I gamified getting out of debt. So after two years paying off ten grand each year, making twenty six thousand dollars a year living in Louisiana, I took a better position in Arkansas, and they're I was making thirty grand a year, and I

did the exact same thing. I put all of my race to debt, and I kept gamifying it. Um. I had purchased things a yard sales and flipped them to the local thrift store or consignment store. I would you know, I started the YouTube channel, which at that point was actually making me a little bit of money, and I threw all of that a debt, and after three years and three months, I had it all paid off. WHOA on such a small salary too, That's amazing. How did you have the energy to do that like that kind

of hustle non stop? I mean, we all have capacity. How did you keep that rhythm up for three years? Well, A lot of people looked at the videos that I was doing towards the end and they're like, I can't achieve that level, and therefore I shouldn't even try. But what I always tell people is that frugality is a muscle, you have to build it up. So I started with trimming my grocery bill and doing some meal planning and shopping the sales, and that cut down my grocery budget

a little bit. And then I started doing this just one little side hustle, and I figured out how to do another one that made me a little more money. And I did only do the pizza delivery for about five months because I just couldn't handle not sleeping. So there are places where there's a breaking point good and I found them. I found them definitely. You gotta find your breaking point. Yeah. I also replaced all of my

hobbies with things that would make me money. So I actually a roller derby, which is a very fun thing. Roller made you money, No, I replaced hobbies with things that made me money, so derby. You became a professional roller derby as that's amazing. Roller derby pizza insane. It sounds like an insane but you could probably charge for ads on your shirt and make some money doing roller derby,

I mean yeah, test it out. So specifically from the perspective of someone paying down debt without another person to aid in the bill, So as a single person when this was happening. What did you find were some of the challenges of paying off debt as a single person and advantages like both sides to this, But curious to pick your brain on that piece. So there's the obvious downfall of what I can bring in as much as

there's going to be. I cannot pay outside of my capacity to earn, so a hundred percent of the responsibility is on me. However, there's a lot of freedom in not having anyone stopping you. I see a lot of posts online about like how to get your spouse onboard, or when two people are kind of at different levels

of effort in trying that, or meet money equals. Because I was just me, I could focus in one on what I was doing and then achieve it without having to essentially form a committee to make any distinbues with my money. I wanted to eat Raman for week, nobody to stop me. Yeah, I probably should have stopped me, but but you know, I could pick things that I would want to eat. For instance, I'm in a relationship now figuring out something to eat. It's like half of

the energy, isn't it though? Half a relationship? What do you want? How about this place? I'm down for anything, but not that or that for that, yeah, you want to eat there, So I didn't have to deal with that. I only had to focus in on what was between me and my bowls. So if I wanted to eat peanut butter and jelly sandwiches for two weeks straight for lunch, that's on me, and I'm not going to eat I'm

not doing anything like that. Everything was my decision and therefore I had a lot of freedom towards how fast I wanted my pace to be. That's such a good point because the other day my husband and I were on our way to a concert and I was fine with apples and chickpeas salad and he was not, So I ain't that in the car and we had to go through the drive group Chick fil A for him to get something he wanted. Luckily, though, get this, Chick fil A. This is such a side tangent. I'm sorry.

Chick fil A has drive thru Day and they gave us like a gift card for a free sandwich on our next visit because it was drive thru Day. So there was a little bit of like a I still kind of one, but usually it doesn't work that way. That's funny. I mean good for Eric to not just be to stand on chickpeas, salad and apples, Like is that good for Eric? Who sire you on here? I mean, you got your just I've just balanced because he hears

all this. I mean I can, I can honestly see it both ways, because like there were some days where I was like, I've got you know inner ready, it's planned. I don't want it. I'm gonna use like some of my personal money and go do something else. And there was no one that I was disappointing by doing that, And there was no one to stop me or encourage me or anything. It was all my decision. Did you have any accountability like partners or or anybody that you

were talking to about it? I had YouTube, So I started a YouTube channel. And at the time, I was the only single person or low income person out there with like a debt payoff channel that I knew of. There were a few people in the space. There's like Lydia Sin, there was debt is dumb Um. There was his and her money, but like all of those guys are married. All those guys were making more than when I was. There was no one really talking about single

person money or low income money or define journey. That's the key is that not only did you pay off debt as a single person, but such a low income. That's what gets me because I think from my husband and I would still have a bit more debt to pay off, hopefully within a year will be done. But the thing with us is that we've had such low income and so you know, I thought that there was gonna be some some trick to it. When I kind of got into this world of how do people do it,

I'm like, oh, they make a lot of money. Like, there's no way you can pay off a hundred ten thousand dollars in two years unless you're making six figures. Like, there's no real magic to it. You just have to make a crap ton of money to pay off a crap ton of debt. And so yeah, that's why I love what you're doing and kind of showing that this is accessible for anybody. Now, if I had had a hundred thousand dollars in debt and was making twenty six thousand a year, it would have been been a different

story and I would be slogging through it. But the yeah, despite the fact that the ratio of my income to my debt was not ideal. It's not possible to do it on a low income. You just might have to work a little harder. It's not going to be just cutting out coffee or restaurants. It's gonna be you have to increase and I my income and through all of that at debt. Yeah, but you still have more debt

than you had income. And I think that mental barrier stops a lot of people because somebody that makes seventy dollars of debt has the same block, even though they are just as capable as you were to pay off that amount of debt in as little time as you did. So there's a big mental barrier to get through, especially because there is a kind of minimum cost of living my area. But everyone's gonna have to pay rent, everyone's going to have to buy food. It's gonna cost a

certain amount for you and your family to live. And I was very privileged to be operating above that, and for much of my debt free journey, I was operating out of the low the poverty line. So I understand how tight that was, and that's why I put so much effort into earning additional and come on the side while I waited for opportunities to earn more regular income. Nice.

And it was kind of a blessing to be single during that time, because if I had had a kid, I wouldn't have been able to spend my nights delivering pizzas or all these side hustles, um, especially if I hadn't had a husband. But because I was alone, it gave me the freedom of whatever time I could dedicate. Yeah, excellent job, man, that takes determination. Yeah, I and I

love following your journey on YouTube. Budget Girl on YouTube, so definitely if you haven't subscribed, definitely head over there and check out her archives from her debt free journey. And also, you have a ton of great videos now on just different frugal things, so you're still and the quality of the videos just keeps getting better and better, so they're all great. Back when I was getting out of debt, I wasn't investing any money the YouTube. I

was that phone four. Yeah, you probably shouldn't have if you did not live in a good neighborhood like that was a good decision. Yeah, our studios were literally my phone balance on a bunch of books. Because I didn't have a tripod, because you were a budget girl. From the very beginnings, Yeah, it was. It would have been weird if you had high like it would have been disingenuine is what it would have been. I would have

gotten called out so hard so fast. I know, people would call me out for like McDonald's and they'd be like, you could have put towards that, towards it, and oh my gosh, man, oh my gosh, I'm also sum thank you. Yes, let's remember that. Now that you have a boyfriend, how do you guys handle money together? So I have always always been a fan of equality in a relationship, and that extends to finances. Not everyone has to agree with me,

but that's just the way my little brain works. So, like, from the beginning, we were splitting dates, not necessarily going Dutch, but he'd buy dinner one night, I'd buy dinner the next night, that kind of thing. He did pay on our first date, but it was it never seemed right to me to expect him to bear the financial burden. There was also the issue of he was still a student when we started dating, so I was and I was defree, so I was in a much better position financially.

So now that we've been together for two years and we lived together, we split the household, built so rent electricity, internet equally. Just down the center. He has a full time, very good job now he makes more his day job than I do in mine, but we split those equally, and then we both check out of our individual budgets for like groceries, so he'll buy one week, I'll buy the next week. That kind of thing. And we still

kind of go on and off the dates. So is he the one who then on his week for groceries, does he pick out and meal plan? Does it go that deep or is it? Is it just solely finances weekend to meal plan together we do for it's anemonium. Uh. He's more of a foodie than I am. See my first about what I was eating when I was getting out of debt, Like I could, I could totally eat cereal every night. Um, So I have increased the food budget point just to make sure it's eating. Because he

likes eat little boogier that's awesome. Yeah, at least his tastes go that way. My husband is like white bread and ego waffles all the way yesterday. Yep, that's Sam, and I'm the bougie one and I just like like to make my own waffles. So what would be your biggest piece of advice, Like, as you look back on this journey when you were a single person, what advice would you give to somebody else in a similar situation being single and trying to pay down debt and and

live more frugal way. What are some tips you have? Well, I'm sure you won't be surprised by this seeing as my online Monikers budget girl, but I believe ten million percent in the power of the budget because by accounting for every single dollar that you make that you make and writing down where it's going to go, you make

sure that it's doing what you wanted to do. So before I was a budget or I was always just kind of spending based on whether it had any money in my account, and that does not leave a lot of room for goal planning and doing like swipings with my money. When you don't have a budget, it just kind of disappears. Your money just goes away and you don't know where it was. So there's something very freeing.

It's not restrictive. It can be very freeing to have a budget in place, and you know that as long as you follow that budget that you've made aid, you're gonna meet your money pulls. So I ret really now have way more money than I even want to spend available for me to just kind of spend on like

fun stuff or personal stuff. It gives me permission to spend within that and have a good time and do and get the things that I want need without jeopardizing my retirement or my savings for like a house and that kind of stuff. So in back when I was making so much less, every penny was imperative. Every single penny that I could put towards debt was important to getting me out of it. So by accounting for every single penny in there, I could pay all my bills and pay on debt and get out of debt as

fast as I could. I love what you said about gamifying it and just using that term. Can you describe that a little bit, because I feel like there's some really good principles in that for anybody trying to get

out of debt, like single or married. So I've also I also talked about how frugality is a muscle, so ammifying me being able to save money, it was me cutting down my budget by ten dollars for that week or forty dollars for that month, and then having to make a game out of it of Okay, what am I going to do differently that's gonna save me that money so that I can put that forty dollars towards debt, so that I can get out of debt one month

sooner or one day singer um. And that would sometimes involve like going to multiple different grocery stores, or like making a crazy meal plan, or volunteering at a place where they were like serving food volunteers and then volunteering

to take the leftovers home. Like, I never did anything unethical other than selling cigarettes, which I didn't realize until I'm sure the person who bought the cigarettes was super grateful and normally there's seven dollars a pack and they can get them four from you, so no one is upset there. Pointed out to me very recently, my Marissa, the budgeting wife, that that is probably very illegal with stale cigarettes with that a license. We won't tell anyone.

He was, he was up age. He was my coworker, and yeah, your friend was giving you a donation for something you had already purchased, so and once I had kind of like my personal spending under control, I was, you know, meal prepping, and that's saved. So I brought food to lunch every single day, and I never ate

out because that's a huge money drain. And I used that more as a treat um for like if I if I did need out for two weeks straight, I'd go eat out and that would be a treat And I kind of reimagined how that worked in my head. And same thing with my tustling. I'd go to yard sales that I used to go just to buy stuff I didn't be Instead i'd go with the intent to purchase things for resale, and I'd set myself a challenge of like, I want to make fifty dollars reselling and

I only want to spend five. And so I put that work in, and when you get the payoff of you sell something that you got five dollars for like fifty dollars, it's it's like you want to game and it starts to become addicting it if you if you set it up in that way for yourself, these a little challenge. When I wrote the No Spend challenge guide. That's what I marketed it as as it's gamifying frugality, like it's not sustainable. Doing a no spend challenge isn't

a no spend lifestyle. It's just a way to gamify figuring out what you value and to become more frugal and to develop like values based spending. Uh So I love that concept too. Yeah, And so every month that seemed like I had a bigger amount of money that I could put towards debt. And that also felt like winning because I could see that debt number drove down. And I even put it when I was in debt on each video, like the day that I published the video, I would put in the title how much that I

had that day. So it also became accountable for me because I didn't want to disappoine anyone. I wanted to be able to see my number going down and going down fast. It's amazing what community can do for us also, and we've seen that just in the one year that we've been doing this podcast, just the support that can come from it, the understanding, the different tips and ideas, and just wanting to stay on track because you feel like you're a part of something. So in addition to gamifying,

there's something else that we really love. This is the most fun part of the show. It's 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 build Buffalo Bill, Bill Clinton. This is the build

of the week. Every week we invite someone to share with us their favorite bill, and as a guest on our show, we would like you to do the honor of sharing your bill of the week. So do you have one for us? Well, I don't. I don't have many bills left anymore because I'm at a debt um. So my my bill of the week, the one I've been working for and towards, is kind of a dream of a bill. I I dream of a mortgage, you guys, I I have. My current big money goal is to

purchase a multi family property and house hacking house hack it. Yeah, to rent out some one or two units and then live in like a third or fourth or you know, duplex. Divide that math as you will, and so my my dream is to have that bill one day and for my tenants to pay it for me. Actually, yeah, if you're that's the best bill someone to build someone else. If you're unfamiliar with house hawking, we talk about it in our Buy or Rent episode a few few episodes back.

But yes, I love that concept. That's kind of what we're doing. We have just a single family, but we rent out the front room and bathroom on Airbnb. And it is fantastic to have your bill paid by somebody else mortgage bill. To that end, I'm currently trying to say about the big old flunkin down payment, and I just closed out my July budget today yesterday today is the first and I put eight hundred and seventeen dollars

towards that future bill. That feels good. Yes, yes, And you're in Texas where housing is like as cheap as water from a river, So that's fantastic. Some places here here it can be a little there's a triplex or duplexes near the college will go for a quarter of a million dollars just because of their locations. They don't, but there is. It is more affordable than like California or or something. Obviously, so I can be reasonable here,

but obviously I wish you were. I just think of all the h G TV shows that have come since Fixer Upper and how they're turning all these affordable diamonds in the ugh into like really nice neighborhoods, and I'm like, can you stop? Okay. I was at the gym this morning and I saw a Fixer Upper episode on one of the TVs where one of the houses was fifteen thousand dollars. I was like, no, you can for fifteen thousand dollars around it? God? Now, Yeah, nothing like that

in Florida anymore. Yeah, it's unfortunate, at least in St. Petersburg. How far off are you, Sarah from this this bill you hope to have? Pretty far off, unfortunately, because I'm looking for, like, really a triplex um. I was looking at one the other day that was not very close to the college and was therefore a little more affordable because it would attract like families instead of college shoes. And it was to forty for a triplex and no down payment on that would be like fifty brand and

right now I have like brand. Yeah, And that was more than we put down on our house. We didn't do the recommended obviously, So I would really like to avoid the p m I. But at the same time, because I'm I'm such a cautious person and I'm such like a slow person when it comes to money stuff like it forever to figure out where I was going to like invest in which in endicks funds and stuff

like that. I'm just I'm slow as molasses. So I'm a little I'm a little scared that, like the house fever is gonna get to me and I'm gonna let me put down, you know. I mean, at the end of the day, if you've got money coming in from the property you've bought, then you've made a much wiser to decision than most. So yeah, if it's a good property, that's a good deal that doesn't require a ton of work, I'd pay for the p m I to avoid stress of a major fixed up gladly. Well, this has been

a long Bill of the week. We love it. You your bill of the week visit Frugal Friends podcast dot com slash bill to leave us a bill that you just paid off, that you want to start paying, that you want someone else to pay for you, or just some random person named Bill, whatever it is, maybe not even random, maybe like somebody really love whose name is Bill, I don't know, just random. Yeah, well, this leads us right into my next favorite time of a week, the

lightning Round Peer pe Peo ple to too. That's is a jeals thing. Sometimes it's Jen's thing too, don't matter, secretly love who doesn't secretly love as I don't know, I don't know. They'll probably about it in there. Yeah, we'll see it in a review for sure. Please don't let us know how you feel about the Lightning Round in the region unless you love it, unless that's the reason for your five stars have at it. Yeah, all right, So, in honor of having Budget Girl on the show, Sarah,

we want to know some of your budgeting tips. So I'm sure you are very used to giving these, so just give us a few of your budgeting tips for budgeting beginners and people that maybe want to hone their budgeting skills. Okay, First off, double check your numbers. Just double check your formulas or your numbers or your math

or however you're doing it on pin and paper. Always go through twice because sometimes a cell will not like crossover, or you'll forget to carry a number and things will go crazy and that's going to take you a while to fix. So even I do that sometimes check your math so you're still on the spreadsheet. Yes, I'm okay, spreadsheet girl. I do recognize that some of the apps are probably a little more foolproof than my spreadsheet, but

I like making there you go. I helped to feel in control because if I can make a mistake, it feels like so couldn't app Yeah, you know, I'm just I'm just as good as an app. And apps get bought out and they change, and stuff like Google sheets ain't going nowhere. Right. I could pull up my my budget from January right now and tell you exactly how much I made and how much I spend at the grocery store, and for some reason that brings me a lot of joy and I and that's weird. I mean,

they don't call you budget girl for nothing. Next up, give yourself a category where you have just a little bit of kind of miscellaneous wiggle room. So that is for when you need shampoo, or a shoelace breaks, or something just weird happens that doesn't work into anywhere else in your budget. For me, I always had kind of a dollar a month cushion in what I called my personal line, and that accounted for a lot of things that I couldn't put into, like groceries or you know,

gas rent, et cetera. And just having a place for the weird expenses to go is mentally helpful. Just like a drunk chore. You need that for your budget. For your budget, can I steal that I'm gonna Oh my gosh, a category copyright frugal Friends, another T shirt, another bumper sticker,

and three. Have a goal that you're working towards. So whether you are trying to get out of debt, or whether you are trying to like save for a house or a vacation or a car, have something so that at the bottom of your budget, if you have any leftover money, you can put it towards a mission and not just spend because it is so tempting to just

spend it. But if you have something that you are working towards, it can go there, you can feel accomplished, It will reinforce this habit of budgeting and help you get there just that much closer. Nice. Besides your house your future house, what are some of the other things that you've like saved up for since paying off debt, because that's the question we get, like how do we keep up our momentum, and like state committed after we

pay off debt. So when I got out of debt, I started putting a hundred dollars a month into a travel fund, and I have gone on a cruise since then, which was so much fun. I can find debt free vacation paid for entirely in cash that I had saved up my travel fund. I have got some new furniture that oh my gosh, yes, I've seen your couch on social media. It is my dream of couch. You have. My spent a lot of time on that shase and

it's one of my favorite things on the planet. Like that is where all of my video editing gets done. That is where I'm at my desk right now in my office, which is never used. It's only used as a backdrop, but because I didn't want to hold the microphone. But that's a new furniture. I haven't done a lot of upgrades. I haven't gotten a new car, though I

saved for when I do need a new car. I guess the big thing I've been saving for his retirement because I didn't put anything away while I was in debt, So now I'm really maxing out my um roth eye write for that and just making sure that I have a ton of money for when I retire so I can live affect, live it good. Yeah, I think retirement is a great place to stash your extra money. So where can people find more about you? And what do you have going on? Over at budget Girl absolutely so.

I make videos every week on YouTube and my channel over there is budget Girls so YouTube dot com slash budget. I also have a brand new website, Go budget Girl dot com where I do lots of free printables and articles and just fun ways to help you save money and live a more frugal, fabulous life. And I am on every social media. It's up Snapchat because I think Snapchat is stupid and come at me at go budget Girl. Good, all right, I love that. Yes, I've never had a

Snapchat either, so I admired you for that. I don't even know what snapchat is. I'm gonna be honest with you. This is why I'm the eighty two year old who feels like a millennial sometimes because when I do things that millennials do, it feels awkward to me, but I'm proud of myself. Yeah, all right, Sarah, thank you so much for coming on the show, and we will catch you next time. Absolutely, thank you for having me. That

was awesome. Yeah, yes, such good perspective. I mean for anybody, but I feel like she is the epitome of anyone can do this. Yes, not that it wasn't a ton of work for her, but you know, you've got so many people are like, I don't make enough money, or I'm single, I can't do it like all you married people or whatever the cases. She just kind of cuts through it and says, look what I did. Yeah, and she didn't have a roommate for any of the time

she was paying off that. She went through two moves, she had a pet, still has a pet, so like it's not like she lived under a rock for three years like the girl did good. And so she's an inspiration I think, I mean, not just the single people paying off debt, for anybody. She's she's just an amazing, amazing woman. So kudos Sarah. If you're listening to this, we we love you. I'm gonna say it. I'm going to be vulnerable. Wow, you were that was out on the limb. You don't even tell me you love me.

I don't think you've ever told me you love me. I love you? Did you just say You just said it for the first time and I was mocking you. Oh no, that's why you don't love me. That's why I love you. Love you too, Jen. I also love the Girl Friends book Club, and apparently love just gets thrown around here. There's only two things. There's only two things I love, and it's Jill and the book Club. We all know that's not true. You are playcating me,

and I'm okay with that. Take it um and our book this month is The Minimalist Home by Joshua Becker. We are back with Becker. We read we read his book The More of Less and The Their Molest Home, turning out to be just as good. I can't take you right now. There's something, there's something happening, and I think it's just that it's past my bedtime. Anyhow. If you want a free book, you could you you could do that, you could get that. And here's how it's

still light outside chill. I just want everybody to know that. Can't see that, okay, but listen if it was winter time would be dark, so it's all relative. Uh we yeah, I'm not gonna don't. Haven't even get through this. If you want a free copy of the book of the book by Joshua Becker, because like Jen said, we're back with Becker apparently, So leave us a review on iTunes or Stitcher. Screenshot that review and send it to us. Email us at Fruqual Friends podcast at gmail dot com,

and we'll select the winners. One for every five reviews that gets submitted to us will get a book. So chances are real good. And if you want to know an example of a helpful review, here is Review of the Week. It is from the Fields. They say my new favorite. I listened to a lot of podcasts and this one has become one of my favorites. I love the humor, the friendship, and the openness of seeing that

there are different ways of accomplishing goals. Keep up the great work, and then three exclamation marks, thank you for that functuation. Thank you. Well, we're gonna wrap this thing up. Twee bye. Frugal Friends is produced, edited and mixed by Eric Syria. H m hm m hmm, what's happening? I haven't recorded Oh I love you too that time. I was open to receiving it. When was the last time we recorded this late? I think it's been a while, not since before you were pregnant or we usually recorded

early in the day. Yeah, this one's late. It's not that late. I will I will disclose. It is eight fifteen right now PM. But but this is the third episode we have recorded today, on top of the work that I've done today and all the cooking I actually cooked tonight. I made plantains and like that, like a really nice rice with like peppers and onions in it, and jerk chicken. Oh my gosh, I made plantains last night. I aren't I love you. This is why people give

us one star. But this is not the real part of the podcast. It's just much anticipated part for our avid listeners that sometimes we don't include because we don't always have something to talk about. But we always talk even if we don't have something to say, and see, oh man, that's good.