3084: The Thought Process of a Frugal Mind by Chelsea of Smart Money Mamas

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily LLC

Investing, Business, Education, Self-improvement

4.4 • 1.3K Ratings

🗓️ 24 March 2025

⏱️ 11 minutes

🔗️ Recording | iTunes | RSS

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Summary

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3084: Chelsea of SmartMoneyMamas.com breaks down the intentional decision-making process behind frugal living, showing how thoughtful spending can lead to greater happiness, reduced stress, and financial freedom. Rather than focusing on deprivation, her five-step method encourages creativity, community, and mindful consumption in a world driven by impulse buying. Read along with the original article(s) here: https://smartmoneymamas.com/thought-process-frugal-mind/ Quotes to ponder: "Being frugal is about optimizing the balance between cost and happiness." "Your time does have value and the materials to make those things could end up costing more anyway." "When you buy something using the frugal thought process, be confident that you are spending money on something that matters." Episode references: Craigslist: https://craigslist.org Buy Nothing Project: https://buynothingproject.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Hello Blue Skies. Hello moving onwards and upwards. Hello, taking control of your money. Say hello to tax-free investing. Open a Stocks and Shares ICER and act by the 5th of April to get 100 to 3,000 pounds cashback. Cargreaves lands down. Hello Life. Register and add or transfer £10,000 plus. You may go Lansdowne. Hello Life.
0:23.8	Register and add or transfer £10,000 plus.
0:25.4	You may get back less than you invest.
0:26.5	And tax benefits vary.
0:28.6	For terms and conditions, see hl.co.uk. UK, 4. slash ISA.
0:30.8	This episode is brought to you by Vanty.
0:33.6	Stressing over cyber security.
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0:47.6	complete questionnaires up to five times faster,
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0:54.3	Head to vanta.com slash Spotify to learn more.
0:59.2	It's a minimalist Monday edition of Optimal Finance Daily,
1:03.2	the thought process of a frugal mind by Chelsea of smartmoneymamas.com.
1:09.3	Think frugal living is just for unhappy cheap skates? Heck no. Being frugal is for
1:15.1	anyone who wants to reach their money goals while still spending on the things that matter to them.
1:20.5	To be frugal and save money, you don't have to reuse paper towels, skip flushing the toilet,
1:26.7	ew, or eat ramen noodles. You just have to spend more
1:30.9	thoughtfully. Today, I'm going to share the decision-making process that helped my husband and me
1:36.4	learn how to be frugal. It took some getting used to, but we love the options and freedom it gives
1:42.1	us. What does it mean to be frugal?
	...

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