Take Management of Your Cash and Your Life: Be 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 may 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 targets round their cash
  • change the best way they strategy spending and saving

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

By this Problem, we’re going to save cash like no person’s enterprise (properly, like our enterprise, truly) 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 suppose 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, but it surely has the flexibility to make you profoundly sad.

Charting a proactive relationship together with your funds is less complicated than most of us notice. It’s not a mysterious, shrouded, harmful factor. It’s fairly easy. It includes some math. You would possibly 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 (hiya, fellow calculator customers in all places). I clarify cash in a approach that I perceive. I don’t discuss right down to you–I discuss at my degree, which is fairly mediocre.

The group UFM kicks off on January 1st and you want to sign-up by December thirty first to hitch us. When you do, you’ll be entered in a drawing to win…

A Prize!

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

Prize #1: A one-on-one fundamental monetary session with me, AKA a personal 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 together with your identify written on it by my seven-year-old. You suppose 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. When 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 will’t change the financial system or impression 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 how you can 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 wish to do. Use your cash properly and LOVE the life you reside.

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

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

Having your cash in verify lets you pursue the stuff you love and create a lifetime of decreased 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 total well being and well-being. 

Cease Ready For Good

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 bought!

The Uber Frugal Month resets your mind, and extra particularly, your diploma of hedonic adaptation. By 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 rapidly you may make progress in the direction of your targets.

After the Problem, you would possibly resolve you don’t wish to dwell fairly that frugally, however I can nearly assure you gained’t return to spending as a lot as you probably did earlier than collaborating within the Problem. Basically, 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 approach to save cash, 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 complete Problem month. Every assembly shall be an opportunity to delve deeply into the every day prompts, beneficial studying and motion gadgets of the UFM. 

Since cash is usually a forbidden dialog subject, 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 subject. These teams are an outlet to vent your considerations 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 as we speak in order that we will 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 personal monetary session or spot in a Mastermind Group or canine foto?

Enter your electronic mail tackle within the field under. The three winners shall 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 may sign-up to take it at any time, however we take the UFM as a gaggle 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 lots of of 1000’s of frugal of us from internationally have participated over time, saved lots of of 1000’s of {dollars} AND revolutionized their relationship to cash. WOOHOO!!!! Just a few years in the past, I launched a personal Fb group for UFM individuals to share concepts, talk about challenges and be in neighborhood 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 electronic mail after you sign-up for the UFM.

Q: Do I would like to make use of Fb (or different social media) in an effort to take part?

Nope! The Problem is carried out totally through electronic mail and right here on Frugalwoods. The UFM Fb Group is an non-compulsory bonus. No must sign-up for Fb in an effort to take part within the UFM. All you must do is sign-up together with your electronic mail tackle within the field under.

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 hitch.
  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 when you’ve got 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 can sign-up to re-take the Problem with the identical electronic mail tackle 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 Reside 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, dwell folks!) have stated 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 below are however a couple of 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 lady receiving no alimony, I had been very, very apprehensive 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 vital and large targets, 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 really modified, and already I really feel extra in management and relieved.  

I consider now that I  will have the ability to retire from educating (math and statistics) in a couple 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 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 recommended readings, it actually did make a distinction. I’ve to confess prior to now to skimming by and saying, I’ll learn it later, I learn it. Plenty of meals for thought and enormously 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 variety and like-minded group of frugal mates, (first time for Fb group).   I can’t 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 a superb 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 every day messages. 

Kate reported:

I’ve achieved this problem a couple of occasions 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 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 develop into a lifestyle for me and I don’t really feel disadvantaged however extra centered and blissful.

CJ wrote:

This month has helped me shift my wasteful on-line purchasing habits to make use of the time in additional pleasing methods. I’m planning on holding on to loads 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 types of different month-to-month gadgets (like a subscription to Sirius xm) and nonetheless must make the cell phone plan transfer. As you’ve stated, it’s in regards to the lengthy recreation!

Sandra shared:

Thanks for what you do to assist educate, encourage and encourage others to vary their monetary lives for the higher!  I lastly did it!!!  I modified mobile phone suppliers and this has been on my “to-do” checklist for years.  I can’t wait to save lots of much more cash.
I’m excited by the probabilities to dwell 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 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 presents to one another, as a substitute we plan an occasion for one another.  Much less cash and extra enjoyable.  As an added bonus, now we 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 keen on spending cash.

Okay.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 not see not spending as sacrifice, however reasonably a chance to embrace what’s most vital to me.

Too typically monetary recommendation is preachy and even demeaning – so I respect you making the content material pleasant and accessible- and practical! 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 way of life to work towards & that’s the reason I thanks. I completely love the Fb neighborhood you could have 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 attainable. As does your e-book. I’m not the place I wish to be but by way of frugality, however engaged on it repeatedly 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 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 looks 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 search 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 People-dancing Moths
  3. Be part of a UFM Mastermind Group right here
  4. Enter to win a personal 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)

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


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