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 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 individuals:

  • 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 facet of how we relate to, and handle, our cash.

By way of this Problem, we’re going to save cash like no person’s enterprise (nicely, like our enterprise, truly) and embark on a transformative journey to investigate the mechanics and mindset behind our spending. The UFM supplies a re-set for the patron 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 ability to dictate the kind of life you’ll lead. Your cash gained’t make you cheerful, but it surely has the power to make you profoundly sad.

Charting a proactive relationship together with your funds is simpler than most of us understand. It’s not a mysterious, shrouded, harmful factor. It’s fairly simple. It includes 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 (whats up, fellow calculator customers in every single place). I clarify cash in a means 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. If you happen to 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 3 people 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 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 Yr’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 international 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 one can 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 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–nonetheless beastly it could be–and offers you the arrogance and data to create a extra sustainable, fulfilling, and easy monetary path ahead.

Having your cash in test permits you to pursue the belongings 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 total well being and well-being. 

Cease Ready For Excellent

There’s no excellent time to start out being frugal. There’s no excellent time to start out 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 received!

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 turn into your default strategy. The UFM will assist 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 would possibly resolve you don’t wish to reside fairly that frugally, however I can nearly assure you gained’t return to spending as a lot as you probably did earlier than taking part within the Problem. Generally, 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 means to save cash, it’s a life philosophy you possibly can apply to all the pieces you do.

Be a part of a UFM Mastermind Group

Model new this 12 months are UFM help teams! These small teams will meet with me (on video) as soon as per week for your entire Problem month. Every assembly can be an opportunity to delve deeply into the each day prompts, advisable 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 precise 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!!!” Nevertheless 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 in the present day 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 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 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 people from the world over have participated through the years, saved lots of of 1000’s of {dollars} AND revolutionized their relationship to cash. WOOHOO!!!! A couple of years in the past, I launched a personal Fb group for UFM individuals 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 hitch in your welcome e-mail after you sign-up for the UFM.

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

Nope! The Problem is carried out solely by way of e-mail and right here on Frugalwoods. The UFM Fb Group is an optionally available bonus. No have to sign-up for Fb with the intention to take part within the UFM. All you must do is sign-up together 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, 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. 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 that you could sign-up to re-take the Problem with the identical e-mail handle you used to take the Problem beforehand. You do, nonetheless, have to 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 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, lately divorced girl receiving no alimony, I had been very, very fearful 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 massive 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 really modified, and already I really feel extra in management and relieved.  

I consider now that I  will be capable 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 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 12 months, I learn all of the recommended 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. A number of meals for thought and vastly 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 mates, (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. At all times a very good 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 completed this problem a couple of instances now and revel 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 turn 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 buying habits to make use of the time in additional pleasing methods. I’m planning on holding on to a number 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 kinds of different month-to-month gadgets (like a subscription to Sirius xm) and nonetheless have to 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 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 chances to reside a life primarily based on my values, not primarily based on what others need or anticipate from me 🙂

Joyce wrote:

I feel this was my third time taking part.  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 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’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 serious about 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 slightly a possibility to embrace what’s most vital to me.

Too usually monetary recommendation is preachy and even demeaning – so I respect 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 strategy to go on that entrance however I’m excited for the problem. I really feel this can be a life-style to work towards & that’s the reason I thanks. I completely love the Fb group 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 doable. As does your e book. I’m not the place I wish to be but when it comes to 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 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 far 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 a 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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