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How (and Why) to Shift Your Money Mindset | Business with Purpose Podcast EP 314: Jen Smith, Frugal Friends

How (and Why) to Shift Your Money Mindset | Business with Purpose Podcast EP 314: Jen Smith, Frugal Friends

How (and Why) to Shift Your Money Mindset | Business with Purpose Podcast EP 314: Jen Smith, Frugal Friends

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  • How (and Why) to Shift Your Money Mindset | Business with Purpose Podcast EP 314: Jen Smith, Frugal Friends
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My guest this week is Jen Smith, a personal finance expert and author of the Amazon best-selling book The No-Spend Challenge Guide. 

Jen and her husband paid off $78,000 of debt in less than two years making well under 6-figures. She talks about it on her blog, Modern Frugality, and as the co-host of the Frugal Friends Podcast. 

3:07 – Jen 101

  • Jen’s podcast teaches people how to spend. 
  • She believes people can live a life they love with the money they already have.

9:48 – Money mindsets

  • We think that money is just numbers on a screen when you check your account balance or dollars in a wallet, but it’s only a means to get the things you want. 
  • Money touches everything in your life that you care about. 

19:30 – Pivotal moments

  • There are pivotal moments in your life where you can choose to be challenged, but it will provide a lot of growth. 

21:58 – Dealing with debt

  • Paying off debt is like going on a diet. You try to go extreme and lose it fast, and then a week in you aren’t doing it anymore. 
  • The radical middle is making small changes with large impact.

32:41 – Less friction

  • The less friction and barriers there are to paying for something, the more people pay, on average, according to studies.

39:53 – Post debt hangover

  • After paying off debt, it can be hard to get over the shame of how you previously spent money.
  • You can always choose a different path.

51:17 – Get to know you

  • Her splurge item? CrossFit
  • Something we’d never guess about her? She doesn’t like celery.

FEATURED QUOTES

When I was able to identify what a money mindset really is, I was able to start identifying what I thought about money. 

We think that money is just numbers on a screen when you check your account balance or dollars in a wallet, but it’s only a means to get the things you want. 

Money touches everything in your life that you care about. 

https://www.modernfrugality.com/author/jensmith/page/5/

https://www.frugalfriendspodcast.com/about/

Thank you to our partners of the show!

Are you looking to clean up your household cleaning products this year? MamaSuds would like to help! The best way is to simply start with one product. Every time you run out of a specific cleaning product, replace it with a non-toxic one. Another tip, purchase a product that has multiple uses. The MamaSuds Collection has many multiple use products (castile soap or the toilet bombs are just a few!). Their blog has lots of great tips and a castile soap recipe that you can print and make a lot of your own effective cleaners! Give them a try at www.mamasuds.com and don’t forget to use the coupon code MOLLY for 15% off your order!

I’d like to thank our other partner of the show and that’s Tradlands. Tradlands is an INCREDIBLE sustainable fashion brand that believes in clothing that you can live in NOW and love forever. Clothing that not only makes you feel like your best self, but also fits in a way that flatters. Their gorgeous dresses, pants, tops, and more are designed to move with you throughout your busy days. Their Nico dress is my dress in a love language —not only does it have sleeves, but also POCKETS and you know how I feel about dresses with pockets. I love how comfortable and stylish each piece – and they come in colors like classic neutrals or vibrant hues. One of the things I love most about Tradlands is their focus on sustainability and creating small batch clothing that lasts… they never over produce what they make and focus on only the highest quality materials. And you know how much I love supporting small businesses, too. Check them out at https://tradlands.com/businesswithpurpose and use the code MOLLY20 for 20% off!

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Spam texts are like a box of chocolates… I just start replying with Forrest Gump quotes ‘til they leave me alone. #spamtexts #lifeislikeaboxofchocolates

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Spam texts are like a box of chocolates… I just start replying with Forrest Gump quotes ‘til they leave me alone. #spamtexts #lifeislikeaboxofchocolates

He is risen indeed! ✝️

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He is risen indeed! ✝️

It’s wild out here in these pollen streets. #thepollening 🤧

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It’s wild out here in these pollen streets. #thepollening 🤧

🎊 ONE WHOLE YEAR 🎉

My debut memoir, “If I Don’t Laugh, I’ll Cry” has been out in the world for one whole year today. Writing this book was hard and holy work, and it’s been such a joy to see how many of you have laughed, cried, and laughed till you cried.

Thank you for the support of this book. ❤️

If you’ve read it, would you do me a *huge* favor and leave a review on Amazon and Goodreads? And would you share the book with a friend or on social media? It would mean the world to me.

And if you haven’t picked up a copy or downloaded the audiobook yet, what are you waiting for? 😉

#ifidontlaughillcry #iidlic #nelsonbooks

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🎊 ONE WHOLE YEAR 🎉 

My debut memoir, “If I Don’t Laugh, I’ll Cry” has been out in the world for one whole year today. Writing this book was hard and holy work, and it’s been such a joy to see how many of you have laughed, cried, and laughed till you cried. 

Thank you for the support of this book. ❤️

If you’ve read it, would you do me a *huge* favor and leave a review on Amazon and Goodreads? And would you share the book with a friend or on social media? It would mean the world to me. 

And if you haven’t picked up a copy or downloaded the audiobook yet, what are you waiting for? 😉 

#ifidontlaughillcry #iidlic #nelsonbooks

Nine is fine! Happy birthday to the sweetest, kindest, funniest, smartest, best basketball playing boy we know! We love you, buddy roe!

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Nine is fine! Happy birthday to the sweetest, kindest, funniest, smartest, best basketball playing boy we know! We love you, buddy roe!

13 years of being married to the best man I know. Life with you is more than I ever could have dreamed. I love you, J. 🤍 #happyanniversary

📷 @katelynjames

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13 years of being married to the best man I know. Life with you is more than I ever could have dreamed. I love you, J. 🤍 #happyanniversary 

📷 @katelynjames

And the people of God said… AMEN!

#leviticus #allfatisthelords #biblerecap #biblehumor

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And the people of God said… AMEN! 

#leviticus #allfatisthelords #biblerecap #biblehumor

I often wonder if he’d be a red head like Amos or if he’d be musically gifted like Lilly.

Would he love snuggling or be a boy who only wanted hugs on his terms?

Would his eyes be brown like his dad’s or would he be covered in freckles?

What would his laugh sound like? Who would be his best friend? What would his favorite book be? Would he say Gen Alpha slang words like sigma and skibidi or would he love his mom too much to do that?

Would I be mommy or mama or mom to him?

So many questions I won’t get to answers to on this side of heaven. But I think about him today, just like every day, and I hope he’s getting a slice of strawberry cake for his heavenly birthday.

7 years. 🤍 #elijahtimothy

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I often wonder if he’d be a red head like Amos or if he’d be musically gifted like Lilly. 

Would he love snuggling or be a boy who only wanted hugs on his terms? 

Would his eyes be brown like his dad’s or would he be covered in freckles?

What would his laugh sound like? Who would be his best friend? What would his favorite book be? Would he say Gen Alpha slang words like sigma and skibidi or would he love his mom too much to do that? 

Would I be mommy or mama or mom to him?

So many questions I won’t get to answers to on this side of heaven. But I think about him today, just like every day, and I hope he’s getting a slice of strawberry cake for his heavenly birthday. 

7 years. 🤍 #elijahtimothy

Our annual “we don’t just wear farm clothes” outing. #aewsos2025 #advisorsexcel

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Our annual “we don’t just wear farm clothes” outing. #aewsos2025 #advisorsexcel

It had to be done. #babygoats #circleoflife #lionking

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It had to be done. #babygoats #circleoflife #lionking
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  • Home
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