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Published: Nov. 12, 2019, 5:15 a.m.

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Jen Smith author and creator of modernfrugality.com explores how to follow your journey to paying off debt and reaching other big financial goals.

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Jen Smith co-hosts the Frugal Friends Podcast and author of Amazon best-selling book, "The No-Spend Challenge Guide" and latest book "Pay Off Your Debt for Good."

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REMINDER
\\nDon\\u2019t forget you have until November 26 to enter our Spark Joy Giveaway.

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We\\u2019ll announce our winners during our \\u201cBest of\\u201d show on December 3.

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Head over to sparkjoypodcast.com/reviews for instructions on how to leave a star rating and written review on iTunes.

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Then, shoot an email to contact@sparkjoypodcast.com with your username for a chance to win one of 6 coveted KonMari-themed prizes that spark joy in celebration of our two-year anniversary.

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Thanks again for your support!

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In this episode, you\\u2019ll enjoy:

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• Learn more about the ideas behind frugality and debt management including the Financial Independence or FI movement.

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• The philosophy behind Modern Frugality

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• The growth of the Modern Frugality platform and movement

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• It\\u2019s not about being cheap!

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• Learn about the Four Pillars of Modern Frugality:
  \\n-Value based spending
  \\n-Minimalism focused
  \\n-Environmentally friendly
  \\n-Simpler and cleaner

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• Learn about Jen\\u2019s KonMari journey and what she and her husband learned along the way

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• Why Jen is a big fan of KonMari folding

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• The importance of focusing on the Big Four of expenditures: housing, transportation, bills and food. Focusing on these big expenditures and making changes will make a bigger difference in getting rid of debt than cutting back on small things that you love, things that Spark Joy!

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• Be sure to check out Ep 6 | Declutter Your Path to Wealth with Tess Wicks and Ep 58 | KonMari + Financial Freedom with House of FI for more ideas finance and debt management

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Jennifer\\u2019s favorite tidying tip for people wanting to live a life of modern frugality:
\\n\\u201cClear your surfaces. If you can clear your coffee table, your TV stands\\u2026 your cloud of clutter will begin to lift.\\u201d

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What is sparking the most joy for Jen:
\\n\\u201cI\\u2019m a new mom and watching my husband become a dad has really warmed my heart.\\u201d

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Parting words of wisdom:
\\n\\u201cFind the brand of financial freedom that works for you.\\u201d

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You can find Jen at modernfrugality.com

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She\\u2019s on Facebook and Instagram at @ModernFrugality

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Her podcast can be found here: The Frugal Friends Podcast
\\nand you can grab a copy of her book on Amazon: The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

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For Spark Joy Podcast listeners, go to modernfrugality.com/debtfreeworkbook and get the free workbook that walks you through each activity in her new book, "Pay Off Your Debt for Good".

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Gems:

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\\u201cHaving control over your spending and having the confidence that you are spending money on only the things that you WANT to be spending your money on.\\u201d

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\\u201cLearning a little bit about everything and finding what works for you. The radical middle!\\u201d

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\\u201cIf you try it for just a little while, you will be surprised at the things you learn about yourself. And I think that in itself if work the practice.\\u201d

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\\u201cI follow "values-based spending" which is essentially spending without guilt on things that spark joy and eliminating or lowering spending on everything else.\\u201d

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\\u201cSo many things came to light while we were paying down our debt, I wanted to write a book about it.\\u201d

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You can find Karin Socci at The Serene Home
\\nYou can find Kristyn Ivey at For the Love of Tidy

Special Guest: Jennifer Smith.

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