Hello everyone and welcome to the Clever Girls No Podcast. This is Boila Schokumbi. I'm the founder and CEO of Clever

Girl Finance. The Clever Girls No Podcast is a podcast for women offering a space

for conversations around personal finance, business, life, and living. I'd love

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Okay so let's get into today's episode. So before we get into the

episode I just wanted to give you guys a bit of context on what a low-buy year

is because I forgot to have that conversation with Christina in terms of

talking about what a low by year is. So a low by year is where you are

essentially very very intentional about where you are spending your money and you choose to spend very little amounts on certain areas of your life, whether it's items or experiences, etc, that may be distracting you from your financial

goals so you are setting rules around how you spend your money and you're trying

to spend as little as possible in certain areas so you can use that money towards

your financial goals and a low-by-year is similar to a no-by-year where in a no-by-year you

choose only to spend money on your essentials and you spend no money at all on your

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