Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income
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)
Episodes
🎉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 plan
- Deciding what categories I was—and wasn’t—willing to cut
- Adjusting amounts until everything fit
If you’ve ever tried to f...
🎉Grab your free Budget School JUMPSTART.
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 happens when you go beyond “just ...
🎉Grab your free Budget School JUMPSTART.
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 simple way to look ahead in your ...
🎉Grab your free Budget School JUMPSTART.
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 money, material things, or not be...
🎉Grab your free Budget School JUMPSTART.
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 home you love? Are you pinning tra...
🎉Grab your free Budget School JUMPSTART.
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 support your financial progress...
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 people
- How both personality types can sh...
🎉Grab your free Budget School JUMPSTART.
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 should always stay the same?
That&apos...
🎉Grab your free Budget School JUMPSTART.
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 need a separate line for school...
🎉Grab your free Budget School JUMPSTART.
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 been trying to budget but keep feel...
📋 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 learn:
- How to assess where...
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 create lasting change in your fin...
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 away
Layer 2 of hidden costs: Mental, emotional, and relationship costs
Layer 3 of hidden costs: Missed opportunity costs
✨ Be the first to know when my Budget School course launches! Get on the waitli...
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 summer
- Two mindsets that will help your dollars stretch further
- How to find the right b...
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 exactly what we are going to cover in ...
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 spending, how to become more inte...
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 through
- the three keys to a strong financial system
- and give you four...
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. It's YOURS - make it work for Y...
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, you’ll have the esse...
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 ta...
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