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Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single incom
Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single incom
Budget Effect is a personal finance podcast hosted by budget strategy coach Erin Britt. It offers a simple 5-step monthly budgeting method designed to help moms reduce financial stress, pay off debt, and build wealth. The show covers foundational budgeting skills, overcoming impulse spending, and shifting money mindsets to achieve financial freedom without sacrificing enjoyment.
Episodes
92// How to Focus on What Matters Most in Your Budget
In this episode, I’m sharing 3 practical ways to focus on what matters most in your budget — so your money can support the life you actually want to live. We’ll talk about budgeting for your values, being intentional with your spending, and creating a realistic plan that works in real life.If you’re tired of wondering where your money went and want less stress, more freedom, and a budget that refl
91// How to Build Money Habits That Actually Stick (4 Science-Backed Strategies)
You don’t need more motivation—you need habits that actually stick.In this episode, I’m breaking down 4 science-backed strategies for building better money habits using research from neuroscientist Andrew Huberman.If you’ve ever: started budgeting and then fallen off struggled to stay consistent with tracking your spending or felt like your habits just won’t stick… this episode will help you und
90// 3 Steps to Financial Stability in your Household
We're breaking down 3 action steps to become and feel financially stable — without overcomplicating it or trying to do everything perfectly.We’re focusing on the foundation: Know your true spending number Build the right kind of savings Stay consistent with simple money check-ins 🎉Grab your free Household Money Snapshot🎉Free Spending Audit - click here!Let's connect:Instagram @budgeteff
89// The 3 Parts of your Household Finances
Money problems aren’t just one thing. In this episode, I break down the 3 parts of your money system so you can finally figure out what’s actually holding you back—and what to do about it. This episode is for you if: You’ve made a budget… but it’s not working You feel stressed about money even when you should be okay You don’t know where your money is going You keep overspending, even when you
88// I'm back! Life update and what is to come.
Life got busy, I hit burnout, and I built systems to get back on track. I’m sharing my reset and what’s coming next—new episodes start Tuesday! So glad you're here! Let's connect:Instagram: @budgeteffectpodcastEmail: hello@thebudgeteffect.com Click to Send Fan Mail
Make Better Money Decisions in 2026 with a Year Plan - Ep #87
A year plan helps you zoom out and see all your money at once, not just month to month. When you do that, a few powerful things happen:You gain clarity around what you’re actually capable of in a yearYou can set realistic goals for saving, investing, vacations, and self-careYou understand why money feels tight — and what to adjustIn this episode, I walk you through:What a year plan is (and what it
6 Questions for End of the Year Reflection with your Finances- Ep#86
Thinking about new money goals — or just want to feel less stressed and more in control? These 6 reflection prompts will help you reset your finances in a way that actually fits your life. They’re not ONLY about crunching numbers (although we crunch a few).They’re about making sure your money is working for your real life, your values, and the things that matter most. Free Resources: 🎉Free Househo
Progress over Perfection with Your Household Finances - Ep#85
Do you feel like budgeting only “works” when life is calm and organized? In this episode, we’re talking about why consistency matters more than perfection — and how to keep moving forward with your money even when life feels messy.I walk you through the three core habits of a solid budget routine and what consistent (not perfect) action actually looks like in real life:Setting up your zero-balance
The 3 Habits You Need in Your Household Budget Routine - Ep#84
Do you want to feel more in control of your household finances? In this episode, I’m giving you the 3 habits that make budgeting easier, calmer, and more consistent. This episode walks you through the three simple habits that keep your budget running smoothly—just like a good morning routine.These habits are the foundation of a budget you can actually stick to, even when life feels busy or chaotic
Overspending? Batch These 4 Things - Ep#83
If you’re tired of overspending — whether you never stick to your plan or you blow your budget on random Tuesday trips — this episode gives you four simple “batching” strategies to keep your spending under control.You’ll learn how to batch:Monthly essentials so you stop making extra trips (and extra purchases).Seasonal clothing so you only buy what you truly need.Gift giving (holidays + kid birthd
4 easy habits you NEED if you want to SAVE more money - Ep#82
Unexpected bills? Kids’ expenses piling up? I get it. Even on my single-income teacher’s salary, I’m still saving money every month—and it’s because of these 4 simple habits.In this episode, I’ll show you the easy, everyday things you can start doing to finally keep more of your money without cutting all the fun out of your life.Simple habits. Real savings. You can do this.🎉Grab your free Budget S
Are you bad with money? Or is it THIS.... - Ep#81
Think your budget keeps failing because you’re “bad with money”? Nope. It might actually be because you haven’t eaten enough kale… seriously.In this episode, we pull back the curtain on all the non-money habits that impact your spending—your schedule, your energy, your clutter, your routines, and (yes) what’s happening in your fridge. You’ll learn why budgeting isn’t just tracking numbers; it’s ab
80// How to Plan Now for a Calm, Budget-Friendly Holiday Season
🎅Link to HOLIDAY PLANNER The holidays are coming — but you don’t have to rush or stress this year. In this episode, Erin helps you get ahead now so you can feel calm, organized, and financially prepared when the season arrives.You’ll walk through how to plan your time, money, and mindset in advance — so you can be present with your kids and actually enjoy the holidays.💡 What You’ll LearnHow to sta
79// How to Do Allowance! And other family money habits - with Emily Holthaus (Part 2)
Welcome to Part 2 of our KIDS and MONEY series. Here's a link to Part 1 - Episode 77. In this episode we cover: How to do allowance with your kidsHow to teach kids to be patient when they want somethingHow to budget with kids at any ageHow to help our children deal with marketing, consumption, and comparisonIt's filled with practical steps to helping your kids develop healthy money habit
78// Are You an “If” or a “Because” with Your Money?
🎉Grab your free Budget School JUMPSTART.Ever notice how your thoughts about money shape your results? In this episode, Erin breaks down two powerful ways of thinking about your household money: “if” and “because.”Are you telling yourself:“I’ll stick to my budget if everything goes smoothly”?“I’ll save if there’s anything left over”?Or are you shifting toward:“I’ll stay consistent because I want fr
77// 3 Money Mindsets to Teach to your Kids: Powerful and Practical! with Emily Holthaus from Raising Little Millionaires
In this episode, I sit down with Emily from @RaisingLittleMillionaires to talk about how to teach kids about money in practical ways. We’re already teaching them about money—whether we realize it or not—through our habits and conversations. Let’s do it better!We cover the 3 essential money mindsets to teach at home:Split it before you spend it – give kids real practice with saving and spending.Mak
76// Move Your Money Forward: Protect It, Grow It, Use It
🎉Grab your free Budget School JUMPSTART.If you leave your money sitting in your checking account, it’s going to get spent — just like cookies left out on the counter.In this episode, I’ll share three powerful reasons you need to move your money forward.You’ll learn how moving money helps you protect it from impulse spending, make faster progress toward your goals, and be prepared when future needs
75// How to add a big expense to your already-tight budget
🎉Grab your free Budget School JUMPSTART.What do you do when you need to add a new expense but your budget already feels maxed out? Recently, I did just that.In this episode, I walk through the steps I took to make it work:Figuring out the true cost (monthly and yearly)Testing it in my budget and year planDeciding what categories I was—and wasn’t—willing to cutAdjusting amounts until everything fit
74// 5 Ways Budgeting Will Change Your Life (The Budget Effects!)
🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon. When I launched The Budget Effect podcast, I started with four powerful effects of budgeting that completely transformed my life and finances. A year and a half later, do I still stand by them? Spoiler alert: yes—but I’ve also discovered even more life-changing benefits along the way.In this episode, I’m reflecting on what happe
73// "The Ladder of Future Thinking" with your Money
🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon. Are you only thinking about right now when you budget—just making it through the week or the month? Or maybe you’re swinging the other way, thinking about retirement decades from now but not sure how you’ll cover next season’s expenses.In this episode, I’m introducing you to something I call the Ladder of Future Thinking—a simpl
72// When Discontent Creeps In: How to Reset Your Mindset (and Your Money)
🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon. Ever find yourself in a low-vibe state —you’re frustrated with your progress, comparing yourself to others, or tempted to spend money just to feel better? You’re not alone, and you don’t have to stay stuck.In this episode of The Budget Effect, we’re talking about what to do when discontent creeps in—especially when it’s tied to
71// Let’s Play “Would You Rather” — A Fun Way to Discover Your Spending Priorities
🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon. This episode is part quiz, part game, and totally eye-opening. We're playing a special version of Would You Rather—not the kind your kids play, but one designed to help you figure out what you truly value when it comes to spending, saving, and planning your life.Do you crave adventure and experiences… or cozy nights and a h
70// 4 ways to reward yourself when you reach your financial goals
🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon. Have you ever stuck to your budget for a few months, hit a savings goal, or paid off a credit card—and then celebrated by spending money that set you right back? 😬 You're not alone, and you're not doing it wrong… but there is a better way.In this episode, we’re talking about how to reward yourself in ways that actually
69// Do you have to be 'Type A' to budget and manage money?
Short answer? Absolutely not.In this episode, we’re breaking down the stereotypes around Type A and Type B personalities—and how both types can thrive with budgeting. Whether you love color-coded spreadsheets and a perfect plan (hello, Type A!) or you’re more go-with-the-flow and creative (hi, Type B!), budgeting can still work for you.We’ll look at:The typical traits of Type A vs. Type B peopleHo
68// Budgeting Before Debt Free vs. Budgeting After Debt Free
🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon. We go through different stages in our lives, and of course our budget is going to look different throughout those different seasons. In today’s episode we are going to talk about two of those different seasons: before debt-free and after debt-free. Are there different methods? Different goals? Different motivations?And what shou
67// Budgeting for School Shopping and School Activities All Year Round
🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon. Smart budgeting means we’re thinking ahead. In this episode, we’re talking all about budgeting for school-related expenses before the chaos hits.I’ll walk you through handling school activity costs throughout the year and why I keep a school category in my budget even during summer break.You’ll learn how to:Decide whether you ne
66// What is a Zero-Balance Budget? Plus 11 reasons it will work for you.
🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon. What if your budget could make you feel supported instead of stressed? In this episode, I explain exactly what a zero-balance budget is — and why it’s helped so many people feel more in control, more clear, and more confident with their money. This short teaching episode is perfect if you’re new to budgeting or if you've be
65// Budgeting Reset: 3 Steps to Get Back on Track
📋 BUDGET SCHOOL coming soon. Join the Insider Access Club. 🎉Grab your free Budget School JUMPSTART. ⬇️⬇️⬇️ What's in this episode? ⬇️⬇️⬇️If you've fallen off track with your budget—whether it's overspending, disorganization, or just not paying attention—this episode is for you. I’m giving you three simple steps to hit reset and get your budget back on track.In this episode, you’ll l
64// 3 Money Truths I Live By—and Why Knowing Your Truth Makes All the Difference
🎉Grab your free JUMPSTART.In this episode, I’m sharing 3 things I am CERTAIN of when it comes to my money.These certainties guide how I spend, save, and make financial decisions.➡️But this isn’t just about me. I want YOU to identify what you are certain of when it comes to your money. I’ll be asking you questions to get you thinking! ⬅Tune in to learn how being certain can guide your decisions and
63// The Hidden Costs of Skipping Your Budget
🎉Grab your free JUMPSTART.If you haven't started taking care of your finances yet, or if you need a little push to stick with it. Then listen in! In this episode we'll cover: Layer 1 of hidden costs: Sneaky money leaking awayLayer 2 of hidden costs: Mental, emotional, and relationship costsLayer 3 of hidden costs: Missed opportunity costs✨ Be the first to know when my Budget School cours
62// 3 Steps to a Budget-Friendly Summer
🎉Grab your free JUMPSTART.Summer doesn’t have to mean blowing your budget—or missing out on the fun. In this episode, we’re talking about how to be intentional with your time, money, and energy so you can create a summer full of memories and stay financially on track.You’ll learn:How to prepare your finances now to create peace throughout the summerTwo mindsets that will help your dollars stretch
61// The MISSING Baby Step to Building Wealth
🎉Grab your free JUMPSTART.They say: have an emergency fund, don't have credit card debt, and grow your money by investing. Those are three basic things. That's, that's not hard to understand, right? So what makes it hard to do? Ah ha! There is a missing step that people are not giving enough focus to. Some people aren't doing it at all. There is a missing step, and that is exac
60// 10 Simple Habits to Make Your Money Go Further
🎉Grab your free JUMPSTART.If you’ve ever felt like your money disappears too fast or you just can’t seem to get ahead, this episode is for you. Today I’m sharing 10 simple daily habits that will help your money go farther without a complete life overhaul. These habits are designed to become second nature—and they’re key to building a strong financial foundation.We’ll talk about how to stop impulse
59// Want to start budgeting but don’t know where to start? Try this.
🎉Grab your free JUMPSTART.Are you tired of feeling like your money is gone before you even know where it went? You’ve tried budgeting tips, cutting back, and searching for coupons, but something still feels off. The missing piece? A real household finance system—one that helps you organize your money like you organize your home. In this episode, I’ll walk you throughthe three keys to a strong fina
58// Strategies for Flexibility and Momentum in your Budget
What if tweaking the way you set up your budget could give you more wiggle room and even more momentum toward your goals? In this episode, I’m sharing two key strategies. The first creates space and grace in your budget. The second pushes you more aggressively toward your goals. Not everyone will agree with this approach, but my main point is this: your budget is a tool to get you what you want. I
57// Let's Talk Credit Cards
Credit cards can be helpful or harmful—so how do you know if they fit into your budget? In this episode, we’re answering:💳 Should you avoid credit cards altogether?💳 How can you use them wisely without falling into debt?💳 What’s the best way to track credit card spending in your budget?✨Do you want me to come into your email with the Budget Foundations Jumpstart? By the end of this email challenge
56//You're not “bad with money," you just need to work on these identity shifts
It’s important to have a money goal. It’s important to have a system. But it’s also important to work on your money identity. If you want to reach your money goals - whatever they may be - then you should work on that foundational layer of your identity. -What do I mean by your money identity?-How might this be holding you back from reaching your money goals right now?-What kind of positive money
55//Too busy to budget? Think again!
In this episode we'll break down the question: How long does it take to budget?We include:⌚How long does it take to set up your budget for the first time?⌚How long does it take to write your budget each month?⌚How much time do you need to engage with your budget throughout the month?⌚What about a budget close-out?!✨Plus 5 Bonus Tips to make it even smoother and faster! The result: It doesn&ap
54// How TINY habits can help you reach your financial goals: Atomic Habits for Budgeting
Are Your Money Goals Being Held Back by Your Systems? Here’s How to Fix ItWhat if reaching your financial goals was as simple as opening a drawer, taking out a notebook, and putting it back? Sounds too easy, right? But tiny, intentional steps—repeated over time—are what actually create success. In this episode, I break down the power of small habits, inspired by Atomic Habits by James Clear, and h
53// Why I Hated a Yearly Budget (But You Might Love It!)
Everywhere I look, people are talking about how they’ve planned their entire budget for 2025—and I had to find out what that actually looks like! How do you plan a whole year’s worth of spending? How do you account for unexpected expenses? In this episode, I break down:What a yearly spending plan actually is and why some people swear by it.The two smart reasons you might want to try it.How to crea
52//Make budgeting stick beyond the New Year motivation: How to Build a Money System That Lasts
Are you ready to make budgeting a lifestyle instead of a fleeting goal?Many people start the year strong with financial resolutions, but motivation fades quickly. In this episode, we dive into what it takes to stick with your money goals long after the new year energy wears off.You'll learn:Why budgeting doesn't have to mean living a restrictive, frugal life.The importance of building a
Ep 51// 4 reasons your budget categories are more important than you think
Is it possible to love your budget? Is it possible to enjoy budgeting?I SAY YES. And figuring out the right budget CATEGORIES makes your budget goal-focused, future-focused, and intentional. that you actually like and want to stick to! In this episode, we’re diving into why categories are a critical part of loving your budget and making it work for your lifestyle. You’ll learn how the right catego
50// What categories should I put in my budget?
Struggling to figure out what categories to include in your budget? Learn how to simplify your categories and align them with your values for real progress. In this episode, we break down budget categories into fixed needs, variable needs, wants, and savings. I’ll show you how to keep it simple, adjust for your unique circumstances, and build a budget that reflects your goals and values. Let’s mak
49//A List of New Year Financial Goals - Pick one!
Feeling stuck when it comes to your finances? Let’s change that! In this episode, I’m sharing a list of financial goals. Pick one and make real progress with your money this year.Setting financial goals doesn’t have to be overwhelming! I’ll break it down into categories like building better habits, cutting unnecessary expenses, upgrading your financial systems, and even making exciting plans for y
48// 6 Habits for Reducing Money Stress - Even During the Busiest Seasons
The holidays brought some of the busiest and most stressful weeks of the year for me. So much pressure! Overwhelmed! But during that time, even though I overspent a little, I never felt stressed about money. As I reflected, I came up with six reasons why I never felt stressed about money, and I put them in this episode. Check it out! ❤️. Listen to the Episode to Answer These Questions:What is a fu
47// 3 Reasons You Should Do a Spending Audit
Do you want to pay off your debt and save more money this year? DO THIS FIRST. With a spending audit, you can get clear on your spending habits so you know can be prepared to build your budget, catch your bad habits, and more. If you want to start a budget, but you aren't sure where to get started, you may want to try a spending audit. There is stress in not knowing where your money goes and
46//A quick budget hack that simplifies how you track your spending
Is it taking too long to track your spending as you work on your budget? I have a quick trick for you today that will simplify and speed up the process of tracking your spending. We have money goals, we have set intentions, now we have to stick to it! This episode will help with just a smoother, faster way to stick to your budget. Here's the trick: Split your purchases as you buy. Check it ou
45// How to say "no" to the constant PRESSURE to spend when you'd rather stick to your money goals
As a mom, do you feel constant pressure to spend money on all the things? Team pictures, fundraisers, birthday gifts, and more?! What about the social pressure to buy at the right time, for every occasion, and to "keep up" with your neighbors? In this episode we’ll discuss the many situations where you might feel pressured to spend money - when you DON’T even want to! By the end of this
44//The 2 Biggest Holiday Budget Struggles, and 8 Tips for Staying on Track
Are you struggling to stay on budget during the holidays without feeling like you’re missing out? During the holidays, you might do one of these two things:1. Throw your budget out the window.2. Feel like you are the ONLY one on a budget and that you are missing out.In this episode, we explore those two big holiday budget struggles and give you 8 actionable strategies to stay financially confident
43//The Key to Never Feeling Broke Again
The Key to Never Feeling Broke AgainHow to Normalize Having Money and Saving Money in Your LifeWhy does it feel like money always slips through your fingers? What if budgeting didn’t feel like a short-term fix but instead became a habit that makes saving and having money feel normal?In this episode, we’re diving into how to shift budgeting from something you do “when money’s tight” into a life hab
42// Use this process to have a budget-friendly holiday
The holiday season is around the corner, and with it can come the stress of extra spending. In this episode, we’re talking about how to plan ahead for any big event—whether it’s the holidays, a special celebration, or a family vacation—without letting your budget get out of hand. I’ll share simple, realistic strategies to help you avoid overspending, stick to your goals, and make this season feel
41// A mindset shift to help stop your impulse purchases | Actually stick to your budget and save money
You are up against bazillion dollar marketing companies that cause you to feel like you are SAVING money if you buy this RIGHT NOW. But what if we just did one simple shift in our language that would help us combat those impulse purchases? That's what we are talking about today. After this episode you will have a deeper understanding around saving money and a way to combat impulse purchases.
40// Finally save more money, pay off debt, and stay in your budget with this simple tip
What is stopping you from saving, investing, or paying off debt? What is keeping you in the paycheck to paycheck cycle?Maybe you don't have this mindset: Can it wait a week? After this episode, you will walk away with a fresh mindset about your future, your goals and your budget! Let your budget EMPOWER you to get what you want. Do you want help getting started? Click here for the Budget Fou
39// 4 Ways to Minimize the Cost of Eating Out on Busy Nights
Is the constant running around and never eating at home killing your food budget? There are 4 steps you can take to minimize this cost - even in the busiest seasons. Let me walk you through what these 4 steps look like for a mom who is empowered by her budget.Listen to this episode to answer these questions: How do I stay in my food budget?How do I feed my family when we are so busy?How do I save
38// Holiday spending tips for a holiday that won't break your budget
Planning in advance for the holidays is going to save you money and mental energy. In this episode, we'll walk through how to get your holiday mindset in check, prepare your budget, and of course strategize ways to save money this holiday while living abundantly. Click here for the free Budget Foundations Jumpstart!Let’s Connect:Instagram @budgeteffectpodcastEmail hello@thebudgeteffect.comWan
37// The most important habit to break the paycheck-to-paycheck cycle
Struggling to Stay on Top of Your Spending? Here's How Weekly Tracking Can Help You Reach Your GoalsFor many busy moms, staying on top of household finances can feel overwhelming. With bills, groceries, and daily expenses piling up, it's easy to lose track of your budget. In this episode, we dive into a powerful yet often overlooked habit—weekly spending tracking. Learn why setting a pla
36// Be a Fierce Protector of Your Financial Goals
We are busy moms, taking care of a lot of things. So how can we protect our goals and visions? How can we stick with our goals?Answer: We must become a fierce protector of the goal. 1. Protect your time to have the vision. 2. Protect your time to plan. 3. Protect your plan. 4. Figure out how you will keep up with all your other commitments. And BELIEVE IN YOURSELF! You got this. Click here for the
35// One SMALL STEP to Improve in Any Phase of Budgeting
What phase of budgeting are you in?Procrastination Phase? Beginning Budgeter?Been Budgeting For a While?Lost your Drive?Whichever phase you are in, I bet you can find a small step to take forward in this episode.Click here for the free Budget Foundations Jumpstart!Let’s Connect:Instagram @budgeteffectpodcastEmail hello@thebudgeteffect.comLet me know what you picked! Click to send a text to the sho
34// The 50/30/20 Budget: Pros, Cons, and Truth Bombs
You know I talk more about a Values-Based Budget. So come along with me as I break down the pros and cons of a 50/30/20 budget. Click here for the free Budget Foundations Jumpstart!Let’s Connect:Instagram @budgeteffectpodcastEmail hello@thebudgeteffect.comLet’s Connect: Instagram @budgeteffectpodcastEmail hello@thebudgeteffect.comWant to ask a question?Click below to send your question to the show
33// Tips for a Low or No Spend Fall | Save Money This Fall
Fall is a great time to save money!In this episode we cover: 1. Why fall is a great time to cut spending2. How to set rules for a no-spend or low-spend fall3. Expenses that are coming up in fall and secondary options4. Fun and low cost activities in the fall. Click here for the free Budget Foundations Jumpstart!Let’s Connect: Instagram @budgeteffectpodcastEmail hello@thebudgeteffect.comWant to ask
32// How to Make Meal Planning Work for You | Meal Planning for Busy Moms on a Budget
If you want to success with budgeting, then meal planning is something you're probably going to have to stick to. In this final episode of our 3-part meal planning series, we really zoom in on how to make meal planning work for you. Click here to join the Meal Planning ChallengeClick here for the free Budget Foundations JumpstartLet’s Connect:Instagram @budgeteffectpodcastEmail hello@thebudge
31// Tips for Meal Planning on a Budget with Plandy.Mandy
Today we have expert meal planner, Plandy Mandy, to share some of her top tips for how to meal plan, sticking to a meal plan, and how to meal plan on a budget.It's Part 2 of our 3-episode series on Meal Planning!You can find Mandy on her Instagram page @Plandy.Mandy You can join the Meal Planning Challenge by signing up here.If you are ready to stop messing around and really get started with
30// Meal Planning vs. Eating out on a Budget | Meal Planning Challenge
Meal planning is challenging for a lot of people! If you are doing well with meal planning then you should be proud! But regardless of the challenge, it's something that is beneficial for our budget, our nutrition and even our mental health.This episode will hopefully motivate you to build your habit of meal planning. JOIN the MEAL PLANNING CHALLENGEJoin the Money Movement Course - Closes Aug
29// Reaching Money Goals in a Holistic Way | More than one way to pay off debt
You are doing big things when you decide to start moving forward with money. So start to think bigger. It’s not just your budget and looking for good deals and finding out how to live frugally while you fix your money situation. It’s a holistic endeavor: your mindset, your other home habits, your self-care, your money-saving strategies, your budgeting strategies. It all matters to your success. Tu
28// Back to School on a Budget | Budgeting for School Shopping and the School Year
Back to School means budgeting for school supplies, school clothes, working on our back to school routines, and thinking future forward about our school year budget and school year routines.In this episode we cover all those things. *back to school mindset*back to school budget*school shopping budget*school supply budget*how to save for school expensesYOU GOT THIS.Click here for information TEST G
27// End of the month and didn't track your spending? What do you do? | What to do before you start a budget.
If you want to start budgeting, what should you do at the end of this month before you start next month?ORIf you wrote a budget for this month, but you haven’t looked at it since the beginning of the month, and now it’s the end of the month…what do you do?Maybe you lost motivation or maybe life just happened. Regardless of the reason, we have to find the solution and get back to the plan. This epi
26// How to budget for self-care | Building a sinking fund for your personal wants and needs
In this episode, we're getting into the importance and the how-to of budgeting for self-care. A little work up front can help you get exactly what you need and want for self-care in your monthly budget. Tune in to learn how to prioritize your well-being without breaking the bank!I will also walk you through how to use this FREE self-care budget builder.Click here to get the SELF-CARE BUDGET B
25// How to start a budget when you are behind on bills
If you want to get ahead with money, but you’re behind on bills or just can’t figure out how to get going, then this episode is for you. The main takeaway is that you must have a plan. And I have a proven plan that can work for you. This episode is for you if you’ve ever asked yourself:How can I pay off debt?How do I stop living paycheck to paycheck?How can I budget if I don’t have enough money?Ho
24// Tips for sticking to a budget by a reflecting on your needs
BUDGET JUMPSTART CHALLENGELet's reflect on our wants and needs so that we can make better choices about our spending. Use these prompts to figure out if we are spending money and time on the things that are actually going to fulfill our needs. Journal Prompts for Needs and WantsThis episode is for you if:Have trouble with impulse buying, impulse purchases, impulse shoppingYou have trouble st
23// How to save money for big purchases (or little purchases) | How to set up sinking funds
Since we started the podcast, I've been saying we need to talk about sinking funds! In this episode I will break down sinking funds and how they can level up your finances. I will answer: What are sinking funds?How do sinking funds work in your budget?How do sinking funds help you?I hope this episode motivates you as much as it motivated me! Click here to JOIN THE BUDGET FOUNDATIONS JUMPSTART
22// 4 Tips to Pay off a Lot of Debt on a Small Income | Debt Free Journey | Paying off Debt
Got debt? Let's crush your money goals. As a single mom making 28k, I paid off thousands of dollars in debt. Let me give you 4 things that worked for me and maybe they'll work for you too. Click to join the BUDGET JUMPSTART CHALLENGE. This episode is for you if...-you are working on your debt payoff.-you have a low income and want to save money.-you are a normal person with normal debt a
21// How to Break the Paycheck to Paycheck Cycle | How to create a weekly budget
Many people are stuck in a cycle of living paycheck to paycheck with seemingly no way out. But there is a solution! Of course you need a budget, but even more specifically - a weekly budget. This will help you get so intentional with your money and move forward with money and in your life. Do you want help getting started with a budget? Join the BUDGET JUMPSTART CHALLENGE for FREE! <<Questio
20// Don't start your budget without doing these 4 things | How to start a budget
If you need help getting a budget started, start with these four things. BUDGET JUMPSTART CHALLENGESo if you have been wondering:How do I stick to a budget?How do I even get started with budgeting?How do I pay off debt?How do I invest when I live paycheck to paycheck?How can I move forward as a single mom?Then this episode is for you.My mission is to help busy moms or even single moms learn how to
19// 3 Actions to Bring You More Joy (that Cost Zero Dollars)
If you want to move forward in life with money, in your motherhood, in your womanhood, then work on these three things. The great thing is that they are totally free to pursue. CLICK HERE for the BUDGET JUMPSTART CHALLENGE.Click here for the Whole Life Wellness ReflectionQuestion of the Week: <<What is a habit you’ve developed that has positively impacted your life?>>Click to Send Fan
18// Tips for Sticking to a Summer Budget (While Still Having Fun)
If you want to have an active summer, but you don’t want to break your budget, then this is the episode for you. We discuss preparing for summer with kids, summer routines, summer on a budget, budget friendly summer activities and more. Listen in.-------------------------------------------------------------------------------------------------------------We discuss 4 things you can do to save money
17//How to improve your shopping habits | Tips for sticking to a budget
If you have trouble sticking to a budget and reaching your money goals, then let's take a look at your shopping habits. And I'm not talking about LACK here. I'm not going to tell you that YOU CAN'T SHOP. I'm actually teaching you how to UPGRADE your shopping habits to get MORE of what you want. There are 3 Steps to Upgrading your Shopping Habits 1. Prepare ahead of time -
16// How to Budget for Family Fun | Using your Budget to Live Intentionally
Using your budget to live an intentional life is the goal. Since most of us value connecting and spending time with our kids, let's make sure we put that in the budget each month. This works both ways: 1. We value it, so we put it in our budget. 2. And it's in our budget, so it reminds us to live intentionally in what we value.In this episode you will learn about how "funds" ca
Ep15: Create this List to Save Money on Groceries, Get Organized, and Save Mental Energy
This one-time, 20-minute activity could save you hours! Get organized by creating a “Monthly Essentials” list. Then save yourself so much time, save mental energy, stick to a shopping budget, and save money for years to come. My mission is to teach you how to create and stick to a plan for your money that you believe in and love so that you can have less stress and more freedom.…That’s the budget
[BONUS] How to release resentment | How to release negative emotions: Ep14
[BONUS] This slightly off-topic bonus episode is an explanation of a practice that I used to finally release the negative emotions that would not leave me. I specifically used it to release anger and resentment. You could use to it to release any negative emotion: stress, worry, anxiety, sadness. If you have processed it, felt it, sat it in for long enough and are ready to let it go, this could be
Ep13: Let go of worry, release negativity, move forward with money and in life
My mission is for you to have less stress and more freedom, right? Well that doesn't just magically happen because you get your money in order. Money has a big part in your stability and your peace, but there are other things you have to let go of as well. This is a conversation about how to let go of worry, how to release resentment, how to stop feeling guilty, and even how letting go of clu
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