Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income

84 Episodes

Reverse

56//What to work on when you feel “bad with money”-Your money identity

2025-03-1129:58

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 identities are there? -How can we take steps to improve our money identities? Do you wan...

55//Too busy to budget? Think again!

2025-02-2529:38

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't take that long! Get started with your budget today! 📌 Free Resource: Do you want me ...

54// How TINY habits can help you reach your financial goals: Atomic Habits for Budgeting

2025-02-1425:26

Are Your Money Goals Being Held Back by Your Systems? Here’s How to Fix It What 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 how you can apply these principles to your budgeting and money management. Whether you're just st...

53// Why I Hated a Yearly Budget (But You Might Love It!)

2025-02-0719:54

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 create one if you’re curious (even if it’s not January).Why I personally hated it, how it made me fe...

52//Make budgeting stick beyond the New Year motivation: How to Build a Money System That Lasts

2025-01-2818:53

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 sustainable budget SYSTEM you can rely on month after month.How to plan for challengesWorking on shiftin...

Ep 51// 4 reasons your budget categories are more important than you think

2025-01-2228:17

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 categories can simplify decision-making, improve your money habits, and keep you on track...

50// What categories should I put in my budget?

2025-01-1421:12

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 make budgeting intentional, flexible, and effective! Listen to the episode to answer these questio...

49//A List of New Year Financial Goals - Pick one!

2024-12-3116:52

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 your future. Whether you’re tired of debt, want to save more, or just want to feel more in contro...

48// 6 Habits for Reducing Money Stress - Even During the Busiest Seasons

2024-12-2718:39

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 future-focused budget, and how can it help reduce financial stress?Why is simplifying your finan...

47// 3 Reasons You Should Do a Spending Audit

2024-12-1712:53

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 not feeling in control. There is peace in getting clear. That's what a spending au...

46//A quick budget hack that simplifies how you track your spending

2024-12-1010:08

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 out! Resources: Episode 15: Create this List to Save Money on Groceries, Get Organized, and Save...

45// How to say "no" to the constant PRESSURE to spend when you'd rather stick to your money goals

2024-12-0424:14

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 episode you’ll have practical strategies to release the pressure and confidently say, “no” saving you...

44//The 2 Biggest Holiday Budget Struggles, and 8 Tips for Staying on Track

2024-11-2718:34

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 and stress-free. You’ll learn how to block temptation, shop intentionally, and appreci...

43//The Key to Never Feeling Broke Again

2024-11-2019:45

The Key to Never Feeling Broke Again How to Normalize Having Money and Saving Money in Your Life Why 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 co...

42// Use this process to have a budget-friendly holiday

2024-11-1218:19

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...

41// A mindset shift to help stop your impulse purchases | Actually stick to your budget and save money

2024-11-0510:21

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 em...

40// Finally save more money, pay off debt, and stay in your budget with this simple tip

2024-10-3014:47

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 yo...

39// 4 Ways to Minimize the Cost of Eating Out on Busy Nights

2024-10-2423:30

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 ...

38// Holiday spending tips for a holiday that won't break your budget

2024-10-1823:45

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 @budgeteffectpodcast Email hello@thebudgeteffect.com Want to ask a question? Click below to send your question to the show. Click to Send a Text.

37// The most important habit to break the paycheck-to-paycheck cycle

2024-10-1017:121

Struggling to Stay on Top of Your Spending? Here's How Weekly Tracking Can Help You Reach Your Goals For 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 mon...

#box-pro-ellipsis-174190882267778{-webkit-line-clamp:2;}Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income

Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income