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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 at the moment are open! You’ll be able to 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 objectives round their cash
  • change the way in which they strategy spending and saving

The UFM is designed as a spending detox, however it goes manner past that and delves into virtually each side of how we relate to, and handle, our cash.

Via this Problem, we’re going to save cash like no person’s enterprise (nicely, like our enterprise, really) and embark on a transformative journey to investigate 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 gained’t make you content, however it has the power to make you profoundly sad.

Charting a proactive relationship along with your funds is simpler than most of us notice. It’s not a mysterious, shrouded, harmful factor. It’s fairly simple. It entails 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 notably good with numbers (hey, fellow calculator customers all over the place). I clarify cash in a manner 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 that you must sign-up by December thirty first to hitch us. In the event 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 3 people who sign-up for the January UFM:

Prize #1: A one-on-one fundamental 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 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 by way of random quantity generator on Monday, December nineteenth. In the event 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 similar to 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 will’t change the economic system or influence world markets or cease inflation, all we will 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 the right way to fight inflation.

The UFM Will Assist You Take Management Of Your Cash

In case your cash is beneath management, YOU are beneath management. In case your cash is doing what you need it to do, YOU are doing what you need 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 might be–and provides you the arrogance and information to create a extra sustainable, fulfilling, and easy monetary path ahead.

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

Cease Ready For Excellent

There’s no excellent time to begin being frugal. There’s no excellent time to begin managing your cash. So, January 1, 2023 is as excellent a time as any! The UFM can be not excellent, 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. Via an Uber Frugal Month, you be taught that not shopping for issues isn’t tough. You’ll notice that saving cash can develop into your default strategy. The UFM will enable you perceive your baseline spending every month and the way shortly you can also make progress in direction of your objectives.

After the Problem, you may resolve you don’t need to reside 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. On the whole, 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 manner to save cash, it’s a life philosophy you possibly can apply to every little thing 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 can be an opportunity to delve deeply into the day by day prompts, beneficial studying and motion gadgets of the UFM. 

Since cash is often a forbidden dialog matter, 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 matter. 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!!!” But it surely 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 immediately in order that we will 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 e-mail handle within the field under. The three winners can 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’ll be able to 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 a whole lot of 1000’s of frugal people from the world over have participated over time, saved a whole lot of 1000’s of {dollars} AND revolutionized their relationship to cash. WOOHOO!!!! A number of years in the past, I launched a non-public Fb group for UFM individuals to share concepts, talk about challenges and be in group collectively.

Q: How do I be part of the non-public Uber Frugal Month Fb group?

You’ll obtain a hyperlink to hitch in your welcome e-mail after you sign-up for the UFM.

Q: Do I would like to make use of Fb (or different social media) with the intention to take part?

Nope! The Problem is carried out completely by way of e-mail and right here on Frugalwoods. The UFM Fb Group is an optionally available bonus. No must sign-up for Fb with the intention to take part within the UFM. All you need to do is sign-up along with your e-mail handle within the field under.

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

  1. Go right here to pick out, and pay for, the group you’d like to hitch.
  2. When you’re registered, you’ll obtain an e-mail affirmation with the date, time and hyperlink for our first video name.
  3. Electronic mail me if 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 you could sign-up to re-take the Problem with the identical e-mail handle you used to take the Problem beforehand. You do, nevertheless, must sign-up once more with the intention to be part of us beginning January 1st.

Actual Stay 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, reside individuals!) have mentioned about their participation within the Uber Frugal Month Problem. Fortunate for you, I’ve collected testimonials from previous Problem individuals who’ve written heartfelt notes about how the UFM modified their funds and finally, their lives. Listed here are however just a few chosen in your enjoyment and revealed with permission.

Karen wrote:

This Uber Frugal month has been transformative. As a sixty-plus, not too long ago divorced girl receiving no alimony, I had been very, very apprehensive 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 vital and large objectives, rendering the instant gratification gadgets unappealing. I’m fine-tuning areas the place I can enhance and celebrating these I already do.
My mindset has actually 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 group. 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 yr, I learn all of the urged readings, it actually did make a distinction. I’ve to confess previously to skimming by and saying, I’ll learn it later, I learn it. Numerous meals for thought and significantly 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 automobile/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 buddies, (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 a great reminder of the issues I already know and in addition be taught new issues about myself and my relationship to cash and issues. Thanks for the fantastically written day by day messages. 

Kate reported:

I’ve achieved this problem just a few instances 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 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 procuring habits to make use of the time in additional satisfying methods. I’m planning on holding on to a variety of mindset modifications and getting my companion 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 gadgets (like a subscription to Sirius xm) and nonetheless must 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 alter their monetary lives for the higher!  I lastly did it!!!  I modified mobile phone suppliers and this has been on my “to-do” listing for years.  I can’t wait to avoid wasting much more cash.
I’m excited by the chances to reside 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 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 presents to one another, as an alternative we plan an occasion for one another.  Much less cash and extra enjoyable.  As an added bonus, we’ve got 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 concerned about spending cash.

Ok.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 fairly a chance to embrace what’s most vital to me.

Too usually monetary recommendation is preachy and even demeaning – so I recognize you making the content material pleasant and accessible- and lifelike! 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 solution 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 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 doable. As does your e-book. I’m not the place I need to be but by way of frugality, however engaged on it many times 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 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 way more enjoyable when it seems like we’re all on this collectively. We thought we have been already as frugal as we may very well 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 under to hitch 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 under)

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



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