The Uber Frugal Month (UFM) January Group Problem is my free, 31-day, email-based cash administration bootcamp and sign-ups are actually open! You possibly can register for the UFM anytime, however we take it as an enormous, frugal group twice yearly, in January and July.
I created the UFM to assist individuals:
- higher perceive their funds
- set targets round their cash
- change the best way they method spending and saving
The UFM is designed as a spending detox, but it surely goes method past that and delves into virtually each facet of how we relate to, and handle, our cash.
Via this Problem, we’re going to economize like no person’s enterprise (nicely, like our enterprise, truly) and embark on a transformative journey to research the mechanics and mindset behind our spending. The UFM offers a re-set for the patron carousel many people get caught up in. It prompts you to assume not solely about the place you’re spending your cash, however why you’re spending it. Reforming your relationship with cash isn’t only a query of spending much less and saving extra, it’s a query of performing a holistic reflection in your priorities and your emotional relationship to your cash. The UFM guides you thru this course of.
Why Take A Cash Administration Problem?
I imply, why not?!? The way you handle your cash has the ability to dictate the kind of life you’ll lead. Your cash gained’t make you cheerful, but it surely has the flexibility to make you profoundly sad.
Charting a proactive relationship along with your funds is simpler than most of us understand. It’s not a mysterious, shrouded, harmful factor. It’s fairly simple. It entails some math. You would possibly have to bust out a spreadsheet. However I’ll stroll you thru it throughout the Problem.
I’m not a math main. I’m not a monetary skilled. I’m not even notably good with numbers (hey, fellow calculator customers in all places). I clarify cash in a method that I perceive. I don’t discuss all the way down to you–I discuss at my stage, which is fairly mediocre.
The group UFM kicks off on January 1st and you have to sign-up by December thirty first to affix us. In case you do, you’ll be entered in a drawing to win…
A Prize!
Within the spirit of the season, I’m making a gift of three prizes to a few of us who sign-up for the January UFM:
Prize #1: A one-on-one basic financial consultation with me, AKA a non-public reader case research ($1,500 worth!).
Prize #2: A spot in a UFM Mastermind Group ($300 worth!).
Prize #3: A photograph of my canine with with a nametag on her head along with your identify written on it by my seven-year-old. You assume I’m kidding? This child LOVES placing nametags on this canine’s head (priceless worth!).
To enter, sign-up for the Uber Frugal Month within the field under. I’ll select three winners through random quantity generator on Monday, December nineteenth. In case you’ve already signed up for the January 2023 UFM, you’re already entered within the drawing!
This 12 months’s UFM Theme: INFLATION!
Oh yeah, inflation child! Very like a visitor who drinks all of your egg nog after which regales you with conspiracy theories, inflation seems to be overstaying its welcome. Since we are able to’t change the financial system or impression international markets or cease inflation, all we are able to do is:
management how we reply to it.
The Uber Frugal Month is designed that will help you climate any monetary storm and inflation is only one extra meteorological occasion to beat. I’ve edited the UFM this time round to place particular emphasis on methods to fight inflation.
The UFM Will Assist You Take Management Of Your Cash
In case your cash is below management, YOU are below management. In case your cash is doing what you need it to do, YOU are doing what you need to do. Use your cash properly and LOVE the life you reside.
You can both management your cash, or it will probably management you.
The UFM helps you wrest again management of your monetary life–nevertheless beastly it could be–and offers you the boldness and data to create a extra sustainable, fulfilling, and easy monetary path ahead.
Having your cash in examine permits you to pursue the stuff you love and create a lifetime of lowered stress. Managing cash nicely is a medium via which you’ll faucet into deeper types of self-care. It’s the bedrock basis of general well being and well-being.
Cease Ready For Excellent
There’s no good time to begin being frugal. There’s no good time to begin managing your cash. So, January 1, 2023 is as good a time as any! The UFM can also be not good, however hey, it’s free and it’s what I’ve bought!
The Uber Frugal Month resets your mind, and extra particularly, your diploma of hedonic adaptation. Via an Uber Frugal Month, you be taught that not shopping for issues isn’t tough. You’ll understand that saving cash can change into your default method. The UFM will aid you perceive your baseline spending every month and the way rapidly you can also make progress in direction of your targets.
After the Problem, you would possibly determine you don’t need to stay fairly that frugally, however I can virtually assure you gained’t return to spending as a lot as you probably did earlier than collaborating within the Problem. Normally, with an Uber Frugal Month, you’ll discover that your pure set level for spending has migrated to a extra frugal stage on the spending continuum. What you’ll then uncover is that frugality isn’t only a method to economize, it’s a life philosophy you may apply to all the things you do.
Be part of a UFM Mastermind Group
Model new this 12 months are UFM assist teams! These small teams will meet with me (on video) as soon as per week for your entire Problem month. Every assembly will likely be an opportunity to delve deeply into the each day prompts, advisable studying and motion objects of the UFM.
Since cash is often a forbidden dialog matter, many people undergo life questioning if we’re doing the suitable factor with our funds.
These teams are the place to speak about this forbidden matter. These teams are an outlet to vent your issues and fears about your cash. These teams are the prospect to share your monetary victories. It’s tremendous awkward to face up at a celebration, do the clink-clink factor after which say, “I simply paid off all my debt!!!” However it gained’t be awkward in these teams.
The deadline for becoming a member of a Mastermind group is Wednesday, December twenty eighth so don’t delay and sign-up today in order that we are able to all say, “hey hey!”
And Now For My World Well-known FAQs!!!!
Not truly “world well-known,” however sounds higher than “non-world well-known”…
Q: How do I enter the drawing to win a non-public monetary session or spot in a Mastermind Group or canine foto?
Enter your electronic mail deal with within the field under. The three winners will likely be contacted on Monday, December nineteenth.
Q: What’s the UFM Once more?
To not be confused with Underwear Fang Monkeys or Common People-dancing Moths, the Uber Frugal Month Problem (UFM) is my FREE, 31-day holistic cash re-vamp program. You possibly can sign-up to take it at any time, however we take the UFM as a bunch twice a 12 months, each January and July.
This January would be the SIXTH consecutive 12 months for the Uber Frugal Month and I’m honored and delighted that a whole bunch of hundreds of frugal of us from internationally have participated over time, saved a whole bunch of hundreds of {dollars} AND revolutionized their relationship to cash. WOOHOO!!!! A couple of years in the past, I launched a non-public Fb group for UFM members to share concepts, focus on challenges and be in neighborhood collectively.
Q: How do I be a part of the personal Uber Frugal Month Fb group?
You’ll obtain a hyperlink to affix in your welcome electronic mail after you sign-up for the UFM.
Q: Do I would like to make use of Fb (or different social media) with a purpose to take part?
Nope! The Problem is carried out fully through electronic mail and right here on Frugalwoods. The UFM Fb Group is an optionally available bonus. No have to sign-up for Fb with a purpose to take part within the UFM. All you must do is sign-up along with your electronic mail deal with within the field under.
Q: How do I sign-up for a Mastermind Group?
- Go here to select, and pay for, the group you’d like to join.
- When you’re registered, you’ll obtain an electronic mail affirmation with the date, time and hyperlink for our first video name.
- E-mail me in case you have any questions in regards to the teams or issues with the sign-up course of (liz@frugalwoods.com).
Q: If I’ve already taken the UFM, can I take it once more?
Completely! I had my tech man (AKA Mr. Frugalwoods) arrange the e-mail thing-y such which you can sign-up to re-take the Problem with the identical electronic mail deal with you used to take the Problem beforehand. You do, nevertheless, have to sign-up once more with a purpose to be a part of us beginning January 1st.
Actual Reside Folks Love The UFM!!!
Enjoyable as it’s to learn what I write (proper?!), it’s even MORE enjoyable to learn what different individuals (actual, stay individuals!) have mentioned about their participation within the Uber Frugal Month Problem. Fortunate for you, I’ve collected testimonials from previous Problem members who’ve written heartfelt notes about how the UFM modified their funds and finally, their lives. Listed here are however just a few chosen to your enjoyment and printed with permission.
Karen wrote:
This Uber Frugal month has been transformative. As a sixty-plus, not too long ago divorced lady receiving no alimony, I had been very, very nervous about my future. I’m financially okay so long as I work, that means I may by no means retire… On Jan first I began a journal, dedicating a web page to every UFM day. I now have an image of the essential and massive targets, rendering the instant gratification objects unappealing. I’m fine-tuning areas the place I can enhance and celebrating these I already do.
My mindset has really modified, and already I really feel extra in management and relieved.I consider now that I will be capable of retire from instructing (math and statistics) in just a few extra years at 65 or 66. I’m now enthusiastic about my future, and feeling a freedom in my job I hadn’t felt earlier than. Now not feeling trapped, I’m having fun with each single day proper now. Thanks SO a lot, Mrs. Frugalwoods, and all of you on this neighborhood. Additionally: I had felt very alone on this journey till this group, with you.
Donna shared:
This was an exquisite problem after Christmas spending. Additionally this 12 months, I learn all of the instructed readings, it actually did make a distinction. I’ve to confess prior to now to skimming via and saying, I’ll learn it later, I learn it. Plenty of meals for thought and tremendously appreciated! I had a really frugal January, I’m half anticipating the Amazon man to do a wellness-check 🙂 Now although, I’ve cash put aside for automotive/home insurance coverage due subsequent month, with out resorting to taking cash out of long-term financial savings.
It was refreshing to learn the Fb feedback and discover a sort and like-minded group of frugal associates, (first time for Fb group). I can not thanks sufficient for doing this, and it’s FINALLY sticking.
Karly mentioned:
As soon as once more, I loved an UF January with you. All the time an excellent reminder of the issues I already know and likewise be taught new issues about myself and my relationship to cash and issues. Thanks for the fantastically written each day messages.
Kate reported:
I’ve achieved this problem just a few occasions now and luxuriate in following alongside. I all the time be taught one thing new and be taught the place I can do higher. My realizations this month:
- I introduced alongside a co-worker with me for this months problem and we mentioned our progress a few occasions per week which was enjoyable. She is simply discovering the world of FIRE so seeing her eyes open up on many of those points and the way her life may change was actually superior.
- I spotted I’ve continued to make progress since I began following you.
- A lot of this has change into a lifestyle for me and I don’t really feel disadvantaged however extra centered and comfortable.
CJ wrote:
This month has helped me shift my wasteful on-line procuring habits to make use of the time in additional gratifying methods. I’m planning on holding on to a variety of mindset adjustments and getting my accomplice on board extra. He agreed to cancel Amazon Prime the opposite day, which was a win. I cancelled all types of different month-to-month objects (like a subscription to Sirius xm) and nonetheless have to make the cell phone plan transfer. As you’ve mentioned, it’s in regards to the lengthy sport!
Sandra shared:
Thanks for what you do to assist educate, encourage and inspire others to vary their monetary lives for the higher! I lastly did it!!! I modified cellular phone suppliers and this has been on my “to-do” record for years. I can’t wait to save lots of much more cash.
I’m excited by the probabilities to stay a life primarily based on my values, not primarily based on what others need or count on from me 🙂
Joyce wrote:
I believe this was my third time collaborating. I’ve been on a frugal journey primarily based in your steerage for the previous three years. After this final month, I spotted that it’s lastly ingrained and I’m pleased with it, myself and my life. My husband and I no longer give items to one another, as an alternative we plan an occasion for one another. Much less cash and extra enjoyable. As an added bonus, we now have saved a lot cash that we don’t have to fret about an emergency or debt. It’s a bizarre thing- having cash within the financial institution has made us much less inquisitive about spending cash.
Okay.A. mentioned:
I appreciated the concepts you shared and the way every step was very “doable.” I’ve modified my pondering round my spending habits and now not see not spending as sacrifice, however somewhat a chance to embrace what’s most essential to me.
Too usually monetary recommendation is preachy and even demeaning – so I recognize you making the content material pleasant and accessible- and reasonable! I’m a frugal convert!
Jamie reported:
Thanks! Thanks! Thanks! It has stunned me how simple it was to not purchase something however meals. I do have a protracted method to go on that entrance however I’m excited for the problem. I really feel it is a life-style to work towards & that’s the reason I thanks. I completely love the Fb neighborhood you may have created additionally. Makes me really feel heat & fuzzy!
D.C. mentioned:
Only a thanks for this month’s challenges and insights. The inherent kindness of your messages makes issues appear manageable and attainable. As does your e-book. I’m not the place I need to be but by way of frugality, however engaged on it repeatedly till it’s second nature.
Uber Frugal Month: we are going to do that collectively
Mary shared:
This was a terrific problem. I’ve been an ardent fan and admirer for some time. These posts gave good sensible recommendation however have been additionally thought-provoking. It actually does all start and finish with how we expect via what we do with cash, doesn’t it?
Allison wrote:
Simply wished to say thanks for internet hosting the Uber Frugal Month once more. It’s way more enjoyable when it looks like we’re all on this collectively. We thought we have been already as frugal as we could possibly be however on the finish of this month we have been shocked to seek out we had an additional £344 so as to add to our financial savings.
Abstract:
- Signal-up within the field under to affix the January 2023 UFM Group Problem!
- UFM = Uber Frugal Month, not Underwear Fang Monkeys OR Common People-dancing Moths
- Join a UFM Mastermind Group here
- Enter to win a non-public monetary session or spot in a Mastermind Group or personalised canine foto by becoming a member of the UFM Problem (simply sign-up within the field under)
