Episode four ninety two, Why minimalism is the key to financial wellness.
Welcome to the Frugal Friends podcast, where you'll learn to save money, embrace simplicity, and liver your life. Here your hosts Jen and Jill.
Welcome to the Frugal Friends podcast. My name is Jen, my name is Jill, and today we are talking about minimalism and your finances.
A lot of the articles on the internet about this topic have to do with how to be minimalist in your finances, and that's a topic too, and that's worth talking about. It's not entirely what we're talking about here though, today, more so how the practices of minimalism can also benefit our finances. So a really specific look at it, and we think we found some good content to explore together. But first, this episode is brought to you by Take
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It's just where it lives for now. So all right, let's talk about minimalism, which would be a topic in the course, and so we'll kind of dive into a little overview of what that would be in today's episode. If this is something you're interested in, then episode four thirty four Minimalism for Families with Don Madson is a fantastic apt episode. Don is kind of like the picture of relatability when it comes to minimalism for moms. It's she is fantastic. We did a book club a few
years ago with four Minimalism and Simple Living Books. That's episode three sixty six. And then episode two sixty six Sustainable Minimalism with Stephanie Sepirion, another really great interview. So let's talk about minimalism specifically as it relates to financial wellness.
So this article comes from Jewles A Cree. It's titled how a minimalist mindset impacts My financial Wellness.
And this is a little.
Bit of a departure from some of our even typical types of articles that we explore a lot very holistic, which you know, we love to talk about that, but I really love the ways that she identifies how this minimalist mindset is impacting her financial life and wellness. She just lists five things, but I like them, so we're going to go through all five of them. The first one is in her words, I reclaimed my power.
Yes, I like those words, and she.
References how unlearning consumerism has really helped her in this process, that as she's gone towards a more minimalist approach, not needing as much, recognizing that she doesn't want to be purchasing everything that she sees or everything that she's been told to purchase, or even fueled by the words sale discount bogo, that she has increased her own confidence in what she actually wants and an ability to say no, I actually don't need that, recognizing that retail therapy is
only a temporary fix and maybe even a little bit more of a distraction. And so she's describing how it's creating confidence to honor her own personal style, align her
spending with her values. Does that sound familiar? Not just buying for the sake of buying, not finding identity and belongings and really being able to make conscious decisions about the clothes that she wears, the things that she's purchasing, being able to make better choices, And so I think as it relates to minimalism, it's not about never buying anything, but it is certainly the opposite of over consumption, which is the world in which we currently find ourselves in,
and certainly a world that says you must spend money in order to solve your problems. And it's allowing us that space to slow down and actually look at what is important to me, what matters. Can I put some space in between me and pulling out my credit card and asking myself some of these questions and feeling more confident about the purchasing decisions that I end up making.
That when we aren't so accustomed to collecting, buying, impulse spending, that then we can even have opportunities to get more and more connected to the things that matter to us, how we actually meet those needs. And in the end, we feel a lot more powerful in the midst of that. Saying no is so powerful. When we can feel confident about those no's, we can feel so emboldened in those decisions.
I love the way she said this because in capitalism, the way that you interact your money is your power, and the amount of money you have is essentially the amount of power you have. And when you can and make informed knows to consumerism, to buying things that corporations want you to buy, you practice power and you retain power. And so it can in a world where you can feel helpless and there is so much out of your control, minimalism and frugality it truly helps you feel like you
have some semblance of control. It is a small way to have control, and it's an empowering way, I think. So the next one is she says, I'm in tune with my core values, and you know, we love this one. She says, being trendy isn't my priority, but feeling good is when you're feeling good on the inside, the outside will follow. I value and prioritize inner nourishment instead anything
over anything by investing in high quality real food. I think that may be a typo, but she prioritizes high quality real food and non toxic cleaning and skincare products. So when you are and we say a lot that frugality isn't about wanting less, but wanting different. And I think as women were marketed to as we should make ourselves as small as possible. We should spend as little as possible, and then we're looking for ways to find
identity and to find purpose. So that has evolved into how can I get as much as possible for as little as possible, And that's why we have this over consumption of cheap stuff without truly knowing our identity, without truly knowing what we value. And when you take away the stuff, when your identity and your power is no longer in how much stuff can I get for as little as possible, we stop chasing the deal. It's not about getting the best deal or getting the most cupons
or whatever. We stop being proud of that, and we start being proud of knowing who we are and what we value and getting as much of that as possible because most of the time it's not going to cost money.
It really is amazing. How I mean, for me, I would consider myself minimalist. We know that there's a spectrum to that, there's no one exact definition, but in having less not purchasing as often, there really is a correlation, sometimes not even with a ton of effort on my part, where I am better able to know what's actually important and prioritize those things like what do I I actually want to be spending my money on. Because I'm not as distracted by all of the things I currently have
or all of the things that I could have. I'm so much more aware of, well, how good are my knives working for me? Their work and just fine because I put a lot of research into that and got good quality and spend time sharpening them occasionally. So the fact that I have quality over quantity and I feel really good about the things that I already have, it makes me less likely to purchase more and more in tune with the things that I know are really mattering
to me, so that that correlation can't be understated. I think between whatever minimalism looks like for us, this kind of aim at under consumption, the way that that intersects with deeper identification of core values is so strong. The next thing that they list on here is that it
creates opportunity to invest in our futures. So for her specifically, she's talking about how minimalism has given her space and even the funds to be able to fully fund an emergency fund, have some fun money, have savings and retirement and other investing accounts, but also what she can do with some of the time that she has as a result of not spending so much time buying or maintaining or cleaning or fixing all of the things that she already owns, but being able to now invest in new
learning opportunities, connecting with other women. For her, it's specifically about finances learning more about investing strategies, but I think I would extrapolate that out further to say that it can create more time to invest in community and relationships and groups and volunteer efforts that and hobbies that are meaningful to you. That could mean a run club, It
could mean a group that enjoys nature walks. It could mean a book club or a trivia night that you can now engage in and maybe even look for more of these opportunities because again, our stuff isn't taking up as much time. But then also being able to really identify what are the ways that I can put this money towards both things that I enjoy now as well as in the future. Is it travel with family, is it really wanting to make sure that retirement looks great
for you? Is it investing in your kids' college funds?
Whatever? That means I think we.
Can find a bit of margin in our money when minimalism is present.
Yeah. I love how Jules is not a personal finance influencer, but this, like, this skill that she's gained in minimalism has helped a free up financial capital for her to save and invest, but also encouraged her and inspired her to master a different skill because of her capabilities with this first one. So like good habits stack on top of each other, when we try to get really good at a lot of things at once, we get good
at nothing. But when we are working on one thing at a time, or very few things at a time, which is essentially goal minimalism, when we create this mentality of minimalism, then we can see more growth in a shorter amount of time, and that seeps in over time.
So I think that's really encouraging. And yeah, and then also just the obvious, like when you are buying less stuff, you have more money to invest, which is why we did not write a book about investing, even though we are super passionate about it and believe that all women should be investing, no matter if your partner is investing or you know you've got kids, married, single whatever. Every woman should have their own at minimum roth ira and be investing in that, have money in that. But we
realize that you can't do that without margin. You can't do that if you're spending everything you make, or if you're not creating a plan to invest. And so I just believe that, at least for me, when fewer things are important, the things that are truly important can shine through, like saving and investing. Next, she says, I up leveled my efficiency. Minimalism has taught me to spend my time where it matters and do what I can to streamline
the rest. So this is such a touchy topic in frugality because a lot of the times this involves hiring out things. So whether it be cleaning or laundry or what have you. And so she says, repetitive time sucking task can be outsourced or delegated. So maybe that's you, like, maybe that is something you're doing, or maybe it's something small, like you are paying for a meal planning service, and that's obviously like fourteen dollars a month versus one hundred
and fifty dollars a month for like cleaning. Right, you're still getting a task off your plate, and you are saving that time at a much lower price point. So that's just one of the things we get so caught up in frugality that we think doing it for the cheapest possible and doing everything yourself is the best way to do things. When that is inaccurate. When we take a more minimalist approach, then we value our time more
and we want to do less. And so I would just challenge you to think of the places in your life that you really hate doing these repetitive tasks. They take a lot from you, and think of ways that you can get some of that time back, even maybe it's cleaning. Maybe it's not hiring, Maybe hiring cleaner is not the answer, but maybe it's something in between.
That's the thing.
I am totally here for paying for efficiency. I think that there is something to be said for that, and there are certainly seasons of life where that is something we really should have an eye on. But I can also attest to the fact that minimalism can create greater levels of efficiency in our finances and the rest of our lives, just as is, even without needing to buy
ourselves efficiency. I mean, for me, I think the fact that my minimalism means I'm not collecting home decor or clothing or kind of any of these like ancillary things that I have been able to identify what is enough for me. Means that my budgeting is a lot more efficient. I'm not having as many spending categories. Looking out over my budget week to week doesn't take me as long.
I think.
Also, just not owning as much makes my cleaning far more efficient. I'm not spending as much time cleaning, fixing things, maintaining things because I just don't have as much. So there are ways that minimalism just creates room for efficiency even if we aren't spending money towards it. Yeah, but there's also room for that. It's hilarious.
I am still decluttering every six months different like toys, pantry, whatever, even though I am not consciously bringing a surplus in. Like I'm not buying toys for my kids every month. They just somehow come home with stuff all the time. I'm not over buying groceries, but sometimes a meal here and a meal there doesn't get made, and I have extra pantry stuff that I'm not accounting for, you know,
like this stuff just happens. And so when you are focused on minimalism and having only what you truly value. You have to do that stuff less instead of like, you know, every couple months like they're doing on YouTube, organizing channels, like I'm only doing it, you know, twice a year, sometimes once if it's a very busy season.
This last point is another one that is not often talked about, it certainly in the frugal space, but it is giving back this concept of generosity. And Jules mentions here that she's been able to reevaluate spending categories that not over consuming and being really aware and confident in what she is spending on is opening up opportunities to spend more in other areas that matter to her, whether
that's contributing time or money. And I think that's a really important point to make, is that we can give back and we can be generous with all of our resources, not just our money, but sometimes money is the most helpful beneficial thing to other people and organizations. So being able to nourish another area of financial well being is making room for opportunities to be generous and give back.
And that can mean being able to give to certain causes or individuals, but it can also mean I mean the ways in which we are conscious about how we're spending whether or not we're buying local, and the ways in which we're investing our money. She's even giving an example of like picking up trash when you see it, supporting a local farmers market in small business, donating time to help others in the organization, or your community, your friends,
your family. And this really connects, i think, to really all of the four fs that we've talked about, and is deeply connected with values based spending of family, friends, faith, and fulfilling work. That really, generosity intersects with all of those categories where we are able to give back to family and friends or at least experience reciprocity. But even then that involves a giving an exchange of some sort,
whether it's time or other resources. And of course it connects with our faith and fulfilling work if we are giving of our time to volunteer fiverts, or you know, our faith practices. Generosity can also be connected to various
faith practices as well. So this is something that again really connected to minimalism when we are much more aware of how we can spend our time and money on the things that actually matter collecting less stuff or spending on things that just don't actually get us closer to our generous efforts, or time with family and friends. When we can kind of clear out all the different types of clutter, we can experience these benefits that are deeply
rewarding on many levels in our lives and personhood. And you know what else is deeply beneficial to this podcast, to us in our week, you.
Only catch one per episode because we've found that that is the perfect ratio of episode set meant the bill of 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've paid off your mortgage. Maybe your car died and you're happy to not have to pay that bill anymore. That's bill Buffalo Bills, bill claim. This is the bill of the week.
Hi, Jenny Jail. This name is Michelle from Leads in England. I just wanted to let you know about a bill of the week that I had, so it is my car payment. I have been listening to you for a few years now and I met up with the goal to pay off my car by the end of this year, which I have done. I have been back to finish that goal a little bit early, so I paid that final in October. So I'm just enjoying the extra money
now in time of Christmas. So thank you very much for everything that you do and keep up the good work.
Wow, so great, Michelle.
Oh Michelle, it's so fun listening to your voice.
Thanks for calling in from England. That's so fun.
It's such a cool reminder that we've got listeners world wide. And how exciting that you paid off your car. You can tell we're a little bit behind on our Bill of the week because we're all so excited about the Bill of the week.
We will get to your bill.
It just can take us some time, but we'll still be equally as excited. First of all, I love that you achieved this goal. It's super exciting that you did it earlier than expected.
Well done.
And I also really appreciate how you're saying some of that extra money that you're now saving, like what you were putting towards this car can now go to other places and for you, that was more towards Christmas. And I'm just celebrating this because I think a lot of times once we pay off a debt or alone. We can think, Okay, well, now what's the best most efficient thing.
I can now do with this money? Don't get another car?
Yeah exactly, but I do like the permission to spend it on something just fun as well as you know, whatever else you ended up doing now that Christmas is overus. It's kind of like a one time, once a year type of thing. But well done, having permission to spend more in an area that is super exciting to you, and congratulations.
I also think this is a really good, like maybe inspiration for other people to pay off their car sooner, because maybe you're like, oh, no, if I pay off my car, I'm going to keep that as long as possible. And while you still have a car payment, it's easier to say, oh I can get another car. I just I'll always have a car payment, so I'll just get another car. But if you pay that car off and you stop having that car payment, maybe you're less likely to go get another car as quickly.
And your overall transportation costs are going to be much lower throughout life. Really, the longer that you can stay in that paid off car, Well done, Michelle, Thanks for calling in.
If you all listening.
Have a bill that you want to submit, if it's a bill from another country other than the US, if it's about paying off a vehicle, if it's about paying off a debt, if it's about finding money somehow, some way that you're putting towards a luxury. If your name is Bill Frugal friendspodcast dot com slash Bill, leave it for us, and now it's time for the lightning round.
What's an area you struggle to maintain minimalism or identify you're enough or maybe where are you too minimalist? So my biggest struggle to maintain minimalism is in toys, which is hard because they're not my toys. I once made the mistake of giving away some toys did the thrift store. Wal Kai was in the car with me, and he broke down sobbing. He was like, I was gonna play with those toys, and I was like, well, you haven't for like six months. I've been hiding them and you
haven't even noticed they were gone. I didn't tell them all that, But it's hard. It's a fine line to declutter toys, but it still has to be done.
Yeah, because if you can't have a ton of control of what comes into your house, who at least can have control.
Of what goes out of it. But even then, once they've set.
Eyes on what could be, it's hard to imagine life with less. Yeah, and isn't that just less than We all need to learn better to monitor what's coming in. But I understand as I think that's not always possible.
If I was going to say an area i'm too minimalist, it might be kitchen gadgets, because I am a kitchen minimalist. But there are some things that I don't have, and I think cooking would be easier if I did have them, but I just refuse to get them because I don't want to cook.
And I that was like when Eric, through the pandemic, was trying to get me like a legit desk setup, Like I know that this is not the most efficient way of having an office at home, but I want to be retired, so I don't want to invest in a better stuff like for you. I don't want to cook, so I don't want to invest in more efficient cooking.
We didn't get an office for so long, or have like an actual studios, like we just didn't want too and it wasn't want to world. So there is such things too minimalist and you there's probably something in your life. Were you too minimalist?
Yeah, I struggle to get control of mugs and.
Travel bought water bottles.
Really yes, yeah, and most of it I would not say that. I would not have guessed those.
I'm gonna have to show you my my cup. I have two cabinets for cups. What Yeah, it's too much. I know you hid you hide them. The other one is in the laundry room.
There's a whole cabinet.
I know you wanted vulnerability and you're getting vulnerability. There's a cabinet in the kitchen, and there is a cabinet in the laundry room with mugs and to go like travel water.
Are they all a wala?
They are not all a wala.
Because that's all you use. Like I've seen you have different cups, like different water bottles.
I will I'll lose them or I'll break them. But like then I only use like one. But here's here's where some of the problem is as it relates to reusable water bottles. We have we have guests. If you ever hear me come back to a pain point it's I do love having guests, but you're gonna hear like a smidgeon of the like the things I'd have to have on hand in the way it RUPs against my minimalism. But when everybody, whenever somebody comes to visit, I of course am not buying.
Plastic water bottles. We go to the beach a ton like.
There's a lot of things that we do with people, so I have extra water bottles on hand that I will fill up for people. So we've just got quite the collection in that way. Another piece of this is that my lovely spouse will he is on a mission to always make things as like efficient as possible for himself. So he will try out a water bottle, not really like it, understand how he wants to refine it and search for that water bottle and get that water bottle. But then my problem is I won't get rid of
the previous one. Then I'm like, well, now we can just use this for guests. And now it's gotten out of hand. Where why don't your guests bring their own water bottle? Sometimes they do, but you'd be surprised a good amount of people are not traveling with their own water bottle.
And what do they expect to happen when they get to a place. They just expect somebody is going to give them a water bottle.
They just expect to drink water whenever they get Like I don't I think that there are some people who are not like attached at the hip to their travel water bottle.
It is not me.
That sounds like their problem, not yours.
Well, but I like being able to provide water bottles to people. And if they were to solve it, I think they'd go and buy plastic water bottles, And so I don't want that in my home. So I have extra water bottles. And even just when we go to the beach, we need to bring more than one water bottle if we're going to be there for a while, So it is good to have more than just the one. It's just not out of hand.
Yeah.
And then mugs, like what.
You know, frugal Friends has mugs, and people get love to give mugs as gifts, and they can do a decent job of like limiting that, but we still have We've got too much and now I need to refine it. But what where I am too minimalist is on decor.
I don't have. I would say that.
A single piece of artwork on most of my walls. Okay, you did put up a piece of art, right, there's artwork on the wall in the guest bedroom. Yeah, that is it. And I think part of it has helped me to really refine when I do buy, I'm gonna feel really confident about it, Like I'm not just going to the store and picking out whatever and then changing my mind. I'm coming upon a really clear vision of what I want it to look like. But it does
need to happen soon. I think I think the house is a little bit too sterile looking with nothing on the walls, no chotchkeys anywhere.
It is very minimalist.
It makes cleaning very easy. But yeah, I want to put some shelves and some plants around.
Yeah. Good stuff, Yeah, good stuff. Well, thank you guys so much for listening. We hope this helped you, reinspired, re encouraged you to embrace minimalism for all the things that can do for your financial wellness. And if you liked this episode, or if you read our book by What you Love Without Going Broken and you liked it, we would greatly appreciate a rating and review. This one is for the book. It's from JH. It's five stars, says get this book, It'll change your life. This is
such an amazing book. I only have great things to say about it. Where do I start? Not only does it feel like you're with friends, but they give great ideas, life knowledge and tips that I can actually apply to my life on a daily basis. I listen to these gals for over four years on the podcast and they have definitely changed my life for the better. It is well worth the money, and it's sure what and it's true what they say that you get what you pay for.
I'm so excited to have added this book to my library and I will use it as a resource for years and years to come. I've also bought it as a gift because I know it works. Get the book. You'll be so glad you did. And it's a fun read too.
Oh JH. That's a beautiful review, and thanks for recommending it to others. So so glad when we hear that our message is is really helping people, both on the podcast and through the book.
So thanks for listening, Thanks for reading.
If you have read the book and you haven't reviewed it yet, please do so wherever you bought it. If you're listening to this podcast now and you're thinking, hey, I never left a review for this podcast either, wherever you're listening, that'd be super helpful as well. We want to keep helping more people and that's one of the ways you can help us do that.
Yes, thank you for listening, and we'll see you next time. Google Friends is produced by Eric Siriani.
Okay, so for more vulnerability. This was so this is something that kind of the bill of the week feels related to maybe maybe not, oh yeah, the possibility of being able to pay off a car. So for the first time ever, Eric and I got a tax refund. And if you listen, if you listen to the book, you can listen the book. If you read the book, you know my tax story and how awful taxes were for me last year. So this is a welcomed kind
of good news experience. We've never ever experienced getting a refund, and so now it's putting me in this place of Okay, what to do with some of this unexpected money. And we did record a while ago like what to do with a windfall blah blah blah. But I'm realizing if given an extra bit of cash that you weren't anticipating, I immediately have like ten different things I could do with it. And I am definitely struggling to kind of I'm feeling a little bit paralyzed by Okay, but what
is the best option for me? Because it is not enough to do all of the things. It never is, but it is an to like make a bit of a dent in like one of these areas. So the things that come up for me are should I pay down the car more? Should I put more towards my travel sinking fund because that's not fully paid for yet.
We also have some renovations goals on the house. Lowest hanging fruit is the roof on the garage that's still destroyed from the hurricane and possible foundation damage stuck going the house, which in some ways is a bit of a like flood prevention plan, so like definitely has a degree of urgency to it because that can help to really seal up the house if we do experience a hurricane this year that's as bad or hopefully not worse
as what just happened. Yeah, I think those are the different things that are going Oh oh, increase because we did not max out our iras this past year. It's just like all these okay, so obviously okay, not travel.
We can just automatically go to Europe and you have a trip to Puerto Rico on deck. You're not putting.
Automatically fun automatically X that because that's not pressing, but like all of these other pressing things.
But it is.
But Devil's advocate, because we do say when you come across a windfall, not that this is a windfall, but that you can't that. Some people might say put like ten to fifteen percent towards something fun. I am definitely tempted to just put it all towards very smart things. That is definitely my bent. But even then, it's like the pull in all of these different directions. What is the interest rate on the car four percent? I wouldn't pay off the car early. I wouldn't put it towards
the car. That's a good interest rate.
I would maybe put it a little bit more towards retirement. I think you can maybe play around with some numbers and just see that. I do think your roof repair is pressing. Honestly, Yeah, I'm going to just put that one out there and give my two cents is that's probably where I would.
Lean forward retirement and roof repair.
It's just like it's so exciting, you know, when you think about the possibilities of what this money could do and then to realize, okay, but it really can only do one thing, and so what is that one thing you want to do with it?
Yeah?
This year, you were going to have to repair that roof. Yeah, so do you do it with this money or do you save up other money to do it?
Right? Yeah?
And you know like, yeah, what's the choice?
Yeah?
Yeah, Yeah, we did already know this, didn't we Yeah. I just wanted to talk about all the other things that could be done, of.
Course, and that dream a little that is your right as a podcast host home talk about. I know it's not the American dream, but it is one way to survive capitalism.
Yeah, I know. That's the thing.
It's like, there's a part of me that condo living looks so alluring to me. But I'm like, that's what they want.
That's what they want to kill. The condo Association is just.
They want to placate me by thinking that like, oh, I can have a life just by being able to have access to a public pool.
No, it's not right.
And then I don't have to own and then they can buy up all of the single family homes and now we're all just stacked on top of each other.
You got to fight back, and this is your way to fight. Is repairing your roof? How you fight back?
Oh yeah, you're right. Prioritization is key. Wow. Okay, you gotten this and go fix my roof now bye, keep bye.