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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 YOU.
If you're ready to build a solid budget foundation that works for you, be sure to check out my free Budget Foundations Jumpstart. It’s a step-by-step guide to help you get started with budgeting that makes sense for you and your life.
📌FREE RESOURCE: If you're ready to build a solid budget foundation that works for you, be sure to check out my free Budget Foundations Jumpstart. It’s a step-by-step guide to help you set up the foundational steps of a budget that makes sense for you and your life. Click the link!
✨ Be the first to know when my budgeting program launches! Get on the waitlist here → CLICK HERE.
Let's connect:
Instagram @budgeteffectpodcast
Email [email protected]Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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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 essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
Let’s Connect.
Instagram @budgeteffectpodcast
Email: [email protected]
Click to Send a Text.
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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 want me to come into your email with the Budget Foundations Jumpstart? By the end of this email challenge, you’ll have the essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!Do you want more help? Click to tell me how you'd like me to help you.
Let’s Connect.
Instagram @budgeteffectpodcast
Email: [email protected]
Did you know you can text the show? Unfortunately, I can't text back! ☹️ But I'd still love to hear from you.
Click to Send a Text.
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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 to come into your email with the Budget Foundations Jumpstart? By the end of this email challenge, you’ll have the essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
✨ Be the first to know when my budgeting program launches! Get on the waitlist here → CLICK HERE.
Let’s make this the year you confidently manage your household finances and move closer to the life you want.
Let's connect:
Instagram @budgeteffectpodcast
Email [email protected]Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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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 starting out or refining your system, this episode will help you build momentum and finally make real progress toward your financial goals.
Listen to this episode to answer:
Why should you focus more on your system than your end goal?How do small financial habits create massive change over time?Why do successful money habits feel easy when set up correctly?What steps can you take to create a financial system that supports your goals?Resources & Connect With Me:
✨ Be the first to know when my budgeting program launches! Get on the waitlist here → CLICK HERE.
📚 Atomic Habits by James Clear
📌 Free Resource: 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 essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
Let’s make this the year you confidently manage your household finances and move closer to the life you want.
Let's connect:
Instagram @budgeteffectpodcast
Email [email protected]Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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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 feel, and why I’m sticking with my month-to-month budgeting approach.If you’ve ever felt overwhelmed by budgeting or wondered if you need to plan out an entire year in advance, this episode will give you a fresh perspective. Whether you love detailed plans or thrive on flexibility, I’ll help you find a budgeting style that works for you!
Resources & Links:
📌 Free Resource: 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 essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
Let’s make this the year you confidently manage your household finances and move closer to the life you want.
Let's connect:
Instagram @budgeteffectpodcast
Email [email protected]
Got a specific question you’d like me to answer on the show? Text it!Click to Send a Text.
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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 shifting your mindsets.📌 Free Resource: 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 essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
Let’s make this the year you confidently manage your household finances and move closer to the life you want.
Let's connect:
Instagram @budgeteffectpodcast
Email [email protected]
Got a specific question you’d like me to answer on the show? Text it!Click to Send a Text.
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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 toward your financial goals.Listen to this episode to answer these questions:
How do budget categories impact your ability to stick to your budget?What’s the connection between the right categories and better money habits?How can your categories help you make faster, easier decisions?Why do personalized categories make you love your budget more?What’s the first step to fixing budget categories that aren’t working for you?FREE RESOURCE
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 essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
Let’s Connect.Instagram @budgeteffectpodcast
Email: [email protected]
Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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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 questions:
What’s the easiest way to decide which categories belong in my budget?How can I separate needs, wants, and savings in a way that works for my family?Why is it important to keep budget categories simple and flexible?How do I adjust my budget for seasonal changes or life events?What’s the connection between budget categories and my personal values?FREE RESOURCE
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 essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!Let’s Connect.
Instagram @budgeteffectpodcast
Email: [email protected]
Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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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 control, there’s a goal here for you. Let’s pick one and get started!
Listen to the Episode to Answer the Following Questions:
What should I pick for my New Year's Resolution?What money habits should I build this year?How can I do better with money?What personal goal can I set that will indirectly help me with my finances?
FREE RESOURCE
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 essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!Let’s Connect.
Instagram @budgeteffectpodcast
Email: [email protected]
Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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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! ❤️
What is a future-focused budget, and how can it help reduce financial stress?Why is simplifying your financial accounts a key to staying organized?How can consistent money wins boost your confidence and keep you on track?What role does gratitude play in maintaining a healthy mindset about money?How can budgeting help you avoid impulsive spending during expensive seasons?
. Listen to the Episode to Answer These Questions: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 essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
Let’s Connect.
Instagram @budgeteffectpodcast
Email: [email protected]
Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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Do you want to pay off your debt and save more money this year? DO THIS FIRST.
How do I do a spending audit?What is a spending audit?How do I start budgeting?How do I stop spending so much money?
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 audit can do for you.
Listen to this episode to answer these questions: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 essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
Let’s Connect.
Instagram @budgeteffectpodcast
Email: [email protected]
Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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Is it taking too long to track your spending as you work on your budget?
Episode 15: Create this List to Save Money on Groceries, Get Organized, and Save Mental EnergyDownload the 3-Part Holiday Planner: Holiday to-do list, gift list, and budget planner all in one. Do you want me to come into your email with the FREE Budget Foundations Jumpstart? By the end of this email challenge, you’ll have the essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
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:Contact Me:
Instagram: @budgeteffectpodcast
Email: [email protected]
Have a topic you want me to cover on the show? Text me!Click to Send a Text.
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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 your money for what truly matters and aligning your spending with your real goals.
Resources :
Download the 3-Part Holiday Planner: Holiday to-do list, gift list, and budget planner all in one. FREE Budget Foundations: Let me come into your email with 4 steps to get started on your money journey.Contact Me:
Instagram: @budgeteffectpodcast
Email: [email protected]
Did I forget something on this list?
Or do you have a topic you want me to cover on the show? Text me!Click to Send a Text.
Click to Send a Text.
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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 appreciate your financial journey without comparison.Listen to the episode to answer these questions:
How can I stick to my budget this holiday season without feeling deprived?How can I stop comparing my money situation to others'?What are some strategies for sticking to my holiday budget?How can I focus on my financial goals while still enjoying the holidays?How can I prevent impulse purchases and stay financially grounded during this busy season?What are some practical strategies for sticking to a budget that actually work?!Resources Mentioned:
Download the 3-Part Holiday Planner: Holiday to-do list, gift list, and budget planner all in one. Episode 38: Holiday Planning and MindsetFREE Budget Foundations: Let me come into your email with 4 steps to get started on your money journey.Contact Me:
Instagram: @budgeteffectpodcast
Email: [email protected]
Have a topic you want me to cover on the show? Text me!Click to Send a Text.
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The Key to Never Feeling Broke Again
How 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 control of your finances—covering expected and unexpected expenses, paying down debt, and building savings will feel like the norm. I’ll show you how to develop a mindset and routine that help you improve not just your financial habits, but your overall money confidence.
Listen to this episode to answer these questions:
How can you turn budgeting into a habit instead of a temporary solution?What weekly routines can make budgeting easier to maintain?What key skills do you need to build for successful budgeting?How can a budgeting mindset create financial freedom?What holistic changes can budgeting bring to your life?How can having money just be normal for you?Resources:
Grab my 3-Part Holiday Planner: Holiday to-do list, gift list, and budget planner all in one. FREE Budget Foundations: Let me come into your email with 4 steps to get started on your money journey.Instagram: @budgeteffectpodcastEmail: [email protected]Have a topic you want me to cover on the show?
Click to Send a Text.
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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 later!
👉 Grab Your 3-Part Holiday Planner Here to make this holiday season more organized and less overwhelming.
3-Part Holiday Planner—complete with a space for brainstorming ideas, a budget sheet, and a weekly backwards planner to stay organized and avoid last-minute stress. It’s a tool to help you stick to your budget and focus on what matters most.
💲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 essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
Let’s Connect.Instagram @budgeteffectpodcast
Email: [email protected]
Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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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 challenge, you’ll have the essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!Let’s Connect.
Instagram @budgeteffectpodcast
Email: [email protected]
Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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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 need to begin budgeting, a goal, and plan to work it into your routine. Click the link!Let’s Connect.
Instagram @budgeteffectpodcast
Email: [email protected]
Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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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 with the Budget Foundations Jumpstart? By the end of this email challenge, you’ll have the essential numbers you need to begin budgeting, a goal, and plan to work it into your routine. Click the link!
Let’s Connect.Instagram @budgeteffectpodcast
Email: [email protected]
Got a specific question you’d like me to answer on the show? Text it!
Click to Send a Text.
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