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Terms apply. Budget Better Bonus Series. Step three, plan for the future.

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. And this is our third

installment of the Budget Better Bonus series, where we are finally actually diving in to budgeting

in step three of the process. That's how you budget better. You just have a better,

more solid foundation before you start. You know we don't love to start with the math. There's so

much that needs to happen before that. And to catch you all up, if you're just jumping in now,

we've been giving some bonus short episodes, just 20 minutes long,

which is what you can expect from this one today, where in the past, too, we looked at the

past, then the present, and today we're at the future. This is kind of our little Christmas

Carol, ghost of Christmas, past, present, and future, just to be cute. This is the most ominous one, I would say, in the Christmas Carol story, but it is not ominous here.

We do love a good budget, and we think it can be customized for everyone. And the first way we customize it is that we don't typically refer to

a budget as a budget. And the reason why is because that word has a lot of negative connotations

for a lot of people. If you love the word budget, we encourage you to keep using it. But if you're

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