Wednesday, March 29, 2023

Take Management of Your Cash and Your Life: Be a part of My Free UFM Problem

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 folks:

  • higher perceive their funds
  • set objectives round their cash
  • change the best way they strategy spending and saving

The UFM is designed as a spending detox, but it surely goes means past that and delves into nearly each side of how we relate to, and handle, our cash.

By way of this Problem, we’re going to save cash like no one’s enterprise (properly, like our enterprise, really) and embark on a transformative journey to research the mechanics and mindset behind our spending. The UFM offers a re-set for the buyer 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 facility to dictate the kind of life you’ll lead. Your cash received’t make you content, but it surely has the power 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 easy. It includes some math. You may must bust out a spreadsheet. However I’ll stroll you thru it in the course of the Problem.

I’m not a math main. I’m not a monetary skilled. I’m not even significantly good with numbers (good day, fellow calculator customers in all places). I clarify cash in a means that I perceive. I don’t discuss all the way down to you–I discuss at my degree, which is fairly mediocre.

The group UFM kicks off on January 1st and it is advisable sign-up by December thirty first to affix us. If you happen to do, you’ll be entered in a drawing to win…

A Prize!

Within the spirit of the season, I’m freely giving three prizes to a few of us who sign-up for the January UFM:

Prize #1: A one-on-one primary monetary session with me, AKA a non-public reader case examine ($1,500 worth!).

Prize #2: A spot in a UFM Mastermind Group ($300 worth!).

Prize #3: A photograph of my canine with a nametag on her head along with your title 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 beneath. I’ll select three winners by way of random quantity generator on Monday, December nineteenth. If you happen to’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 affect world 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 easy methods to fight inflation.

The UFM Will Assist You Take Management Of Your Cash

In case your cash is underneath management, YOU are underneath management. In case your cash is doing what you need it to do, YOU are doing what you wish to do. Use your cash correctly and LOVE the life you reside.

You can both management your cash, or it could management you.

The UFM helps you wrest again management of your monetary life–nevertheless beastly it could be–and offers you the arrogance and information to create a extra sustainable, fulfilling, and easy monetary path ahead.

Having your cash in test means that you can pursue the belongings you love and create a lifetime of lowered stress. Managing cash properly is a medium by which you’ll be able to faucet into deeper types of self-care. It’s the bedrock basis of general well being and well-being. 

Cease Ready For Good

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 acquired!

The Uber Frugal Month resets your mind, and extra particularly, your diploma of hedonic adaptation. By way of an Uber Frugal Month, you be taught that not shopping for issues isn’t tough. You’ll understand that saving cash can develop into your default strategy. The UFM will aid you perceive your baseline spending every month and the way shortly you may make progress in direction of your objectives.

After the Problem, you may determine you don’t wish to stay fairly that frugally, however I can nearly assure you received’t return to spending as a lot as you probably did earlier than collaborating within the Problem. Usually, with an Uber Frugal Month, you’ll discover that your pure set level for spending has migrated to a extra frugal degree on the spending continuum. What you’ll then uncover is that frugality isn’t only a means to save cash, it’s a life philosophy you may apply to all the things you do.

Be a part of a UFM Mastermind Group

Model new this yr are UFM assist teams! These small teams will meet with me (on video) as soon as per week for all the Problem month. Every assembly will probably be an opportunity to delve deeply into the day by day prompts, beneficial studying and motion objects of the UFM. 

Since cash is usually a forbidden dialog subject, many people undergo life questioning if we’re doing the proper factor with our funds.

These teams are the place to speak about this forbidden subject. These teams are an outlet to vent your considerations and fears about your cash. These teams are the possibility 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!!!” Nevertheless it received’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 in the present day in order that we are able to all say, “hey hey!”

And Now For My World Well-known FAQs!!!!

Not really “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 beneath. The three winners will probably be contacted on Monday, December nineteenth.

Q: What’s the UFM Once more?

To not be confused with Underwear Fang Monkeys or Common Folks-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 gaggle twice a yr, each January and July.

This January would be the SIXTH consecutive yr for the Uber Frugal Month and I’m honored and delighted that tons of of 1000’s of frugal of us from the world over have participated over time, saved tons of of 1000’s of {dollars} AND revolutionized their relationship to cash. WOOHOO!!!! Just a few years in the past, I launched a non-public Fb group for UFM contributors to share concepts, talk about challenges and be in group collectively.

Q: How do I be 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 want to make use of Fb (or different social media) in an effort to take part?

Nope! The Problem is performed solely by way of electronic mail and right here on Frugalwoods. The UFM Fb Group is an non-obligatory bonus. No must sign-up for Fb in an effort to take part within the UFM. All you need to do is sign-up along with your electronic mail deal with within the field beneath.

Q: How do I sign-up for a Mastermind Group?

  1. Go right here to pick, and pay for, the group you’d like to affix.
  2. When you’re registered, you’ll obtain an electronic mail affirmation with the date, time and hyperlink for our first video name.
  3. E-mail me you probably have any questions concerning the teams or issues with the sign-up course of (

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 you could sign-up to re-take the Problem with the identical electronic mail deal with you used to take the Problem beforehand. You do, nevertheless, must sign-up once more in an effort to be part of us beginning January 1st.

Actual Stay Individuals Love The UFM!!!

Enjoyable as it’s to learn what I write (proper?!), it’s even MORE enjoyable to learn what different folks (actual, stay folks!) have stated about their participation within the Uber Frugal Month Problem. Fortunate for you, I’ve collected testimonials from previous Problem contributors who’ve written heartfelt notes about how the UFM modified their funds and finally, their lives. Listed here are however a number of 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 anxious about my future.  I’m financially okay so long as I work, which 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 necessary and massive objectives, rendering the quick 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 educating (math and statistics) in a number of 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 group. Additionally:  I had felt very alone on this journey till this group, with you.

Donna shared:

This was a beautiful problem after Christmas spending. Additionally this yr, I learn all of the urged readings, it actually did make a distinction. I’ve to confess up to now to skimming by 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 type and like-minded group of frugal pals, (first time for Fb group).   I can not thanks sufficient for doing this, and it’s FINALLY sticking.

Karly stated:

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 superbly written day by day messages. 

Kate reported:

I’ve executed this problem a number of instances now and revel in following alongside. I at all times 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 instances 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 develop into a lifestyle for me and I don’t really feel disadvantaged however extra centered and glad.

CJ wrote:

This month has helped me shift my wasteful on-line buying habits to make use of the time in additional fulfilling methods. I’m planning on holding on to quite a lot of mindset modifications and getting my associate on board extra. He agreed to cancel Amazon Prime the opposite day, which was a win. I cancelled all kinds of different month-to-month objects (like a subscription to Sirius xm) and nonetheless must make the cell phone plan transfer. As you’ve stated, it’s concerning the lengthy recreation!

Sandra shared:

Thanks for what you do to assist educate, encourage and inspire others to alter their monetary lives for the higher!  I lastly did it!!!  I modified cellular phone suppliers and this has been on my “to-do” checklist for years.  I can’t wait to avoid wasting much more cash.
I’m excited by the probabilities to stay a life based mostly on my values, not based mostly 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 based mostly in your steering 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 a substitute 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 occupied with spending cash.

Ok.A. stated:

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 reasonably a chance to embrace what’s most necessary to me.

Too typically 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 an extended method to go on that entrance however I’m excited for the problem. I really feel it is a way of life to work towards & that’s the reason I thanks. I completely love the Fb group you’ve gotten created additionally. Makes me really feel heat & fuzzy!

D.C. stated:

Only a thanks for this month’s challenges and insights. The inherent kindness of your messages makes issues appear manageable and doable. As does your guide. I’m not the place I wish to be but by way of frugality, however engaged on it many times till it’s second nature.

Uber Frugal Month: we’ll 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 predict by what we do with cash, doesn’t it?

Allison wrote:

Simply needed to say thanks for internet hosting the Uber Frugal Month once more. It’s rather more enjoyable when it seems like we’re all on this collectively. We thought we have been already as frugal as we might 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.


  1. Signal-up within the field beneath to affix the January 2023 UFM Group Problem!
  2. UFM = Uber Frugal Month, not Underwear Fang Monkeys OR Common Folks-dancing Moths
  3. Be a part of a UFM Mastermind Group right here
  4. Enter to win a non-public monetary session or spot in a Mastermind Group or customized canine foto by becoming a member of the UFM Problem (simply sign-up within the field beneath)

Who is able to Uber Frugal it up with me in January????!!!!!

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