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

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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 ...

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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...

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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...

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 ...

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 t...

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 ...

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 ...

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 simpli...

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, flexi...

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...

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:

1. What is a future-focused budget, ...

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...

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!

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 strat...

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-fre...

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...