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terms apply budget better bonus series step two make changes now.

Welcome to the Frugal Friends podcast, where you'll learn to save money, embrace simplicity,

and live a rich in your life.

Here are your host, Jen and Jill. Welcome to the Frugal Friends podcast. My name is Jen. My name is Jill.

Welcome to the Frugal Friends podcast. My name is Jen.

My name is Jill.

And we are back with part two, which is step two, of our budget better bonus series. And we are looking at current changes to make once you have looked at your past transactions. So if you tuned in yesterday,

if you're following along with us kind of in real time, yesterday we talked about a 90-day

transaction inventory, being able to look at the past. Today we're talking about a 30-day no-spend

challenge, so what things we can do in the present.

And tomorrow we're going to talk about making a spending plan, so future.

So we're doing the whole ghost of Christmas past, present, and future for you in between the holidays, which is fun for us.

I wish I had watched the Christmas story.

Yeah, I wish I'd watched to prepare, but I didn't. I'm so sorry. You've never watched any of the renditions? No, I have. Well, the Muppets version is the best, but I'm just like not up on it right now. Okay, so let's talk about changes to make now. The reason we start with the past is that we in our heads might have an idea of what changes we need to make, but more often than not, those ideas are not rooted in reality. They're rooted in fear or misconception or somebody else's ideology. So we look at our past and we look at real numbers, but we also look at emotional weight too. Sometimes numbers may be minimal,

but the mental load of that action is really great. So we want to balance by making changes,

figuring out what changes we want to make that benefit us most both financially and mentally.

...