Claim OwnershipBudget Effect: How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset, and start Budgeting as a Single Mom
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© 2024 Budget Effect: How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset, and start Budgeting as a Single Mom
Description
It's time to break free from financial stress with simple, effective strategies designed for moms craving a method they can actually stick to! In this podcast, Budget Strategy Coach, Erin Britt, shares a 5-step monthly budgeting method that reduces overwhelm and helps you pay off debt, build wealth, and live abundantly. Whether you're struggling with impulse spending, relying on credit cards, or feeling too busy to budget, you'll find practical tips and mindset shifts to take control of your money.
Join a community of moms ready to align their spending with their values, plan for the future, and break free from the stress of paycheck-to-paycheck living. It’s time to budget smarter, enjoy life more, and move toward financial freedom—without sacrificing the things you love.
This is a debt podcast!
Topics we cover:
Foundational Budgeting Skills:
- How to create and stick to a budget, even with limited income.
- Simple, actionable steps to build a zero-balance budget each month.
Overcoming Impulse Spending & Credit Card Reliance:
- Strategies to control impulse buying and overspending.
- Breaking the cycle of using credit cards as income and paying off debt sustainably.
Budgeting for Busy Moms:
- Budgeting tips for real life - especially budgeting tips for busy moms
Intentional Living & Aligning Spending with Values:
- How to figure out your core values and create a value-based budget
- How to spend intentionally without sacrificing things you love.
- Aligning household routines and systems with financial goals.
Financial Preparedness & Saving for the Future:
- Building emergency funds and saving for bigger expenses with confidence.
- How to manage everyday expenses while planning for future goals like retirement, vacations or a home.
Self-Care & Financial Wellness:
- Prioritizing self-care to avoid burnout.
- Developing healthy habits for long-term financial success and balance.
Mindset Shifts for Financial Growth:
- Abundance mindset
- Embracing financial mistakes as opportunities for growth and grace.
Tracking Spending & Staying Accountable:
- Practical tools to track where your money goes and stay in control.
- The power of community and support systems
A note from Erin:
As a single mom and sole provider with no additional support, I paid off thousands of dollars in debt on a teacher’s salary. I know firsthand that it’s possible to take control of your finances, no matter your income or circumstances. My straightforward, foundational approach to budgeting simplifies the process, giving you the tools and confidence to manage your money effectively and build a secure financial future. If I could do it on my own, you can too—and I’m here to show you how.
*How can I pay off my debt?
*Is there an easy budget method?
*How can I simplify my household expenses?
*How can I pay down credit card debt?
*How can I stop relying on credit cards?
*How to start budgeting for beginners?
*How to budget on one income?
*How can I live within a budget?
*How do I write a budget?
*How do I spend less?
*How can I move forward financially?
*What if I don't have enough money to invest?
*How can I build wealth?
*How can my budget reflect my core values?
*How can I LIVE ABUNDANTLY on a budget?
*Is there someone out there who understands being a single mom that can help me with my finances?! :) I got you, girl.
Erin Britt is your host and can be found on Instagram (@budgeteffectpodcast)
71 Episodes
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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 habit that sticks. When budgeting becomes second nature, you’ll start to feel confident and in contr...
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 meaningful and manageable. Let’s dive into how a little planning now can make a huge difference l...
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. Do you want me to come into your email with the Budget Foundations Jumpstart? By the end of this email...
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 Foundations Jumpstart. By the end of this email challenge, you’ll have the essential numbers you nee...
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 money on food?How do I stop spending so much money?Do you want me to come into your email wi...
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.comWant to ask a question?Click below to send your question to the show. Click to Send a Text.
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 plan at the start of each month and adjusting your budget weekly is a game-changer for reaching both your mone...
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 free Budget Foundations Jumpstart!Let's Connect:Instagram @budgeteffectpodcastEmail hello@thebud...
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 show.Click to Send a Text.
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. Click to Send a Text.
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 a question?Click below to send your question to the show. Click to Send a Text.
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@thebudgeteffect.comText the Show! Click below to send your question or comment to the show. Click to...
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 your budget, I can help: FREE Budget Foundations Jumpstart Email CourseMoney Movement Group - 15 weeks...
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 August 31stFREE Budget Jumpstart ChallengeParents.com article that I cite in this episodeLet’s Connect:&n...
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. Tune in to learn how there are many unexpected ways to move forward with money beyond jus...
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 GROUP FOR NEW PROGRAMClick here for the free Budget Foundations Jumpstart!Let’s Connect: ...
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 episode will tell you how to do that. Click here for information TEST GROUP FOR NEW PROGRAMClic...
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 BUILDERThis episode is for you if you’ve ever asked yourself:How can I budget for self-care?What are so...
1If 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?How can I stretch my money?Click here for the free Budget Foundations Jumpstart!Link to t...
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 sticking to your budget because you want to buy all the thingsYou are afraid to start budgeting bec...
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