Budget Effect: How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset, and start Budgeting on a single income
Erin Britt | Budget Strategy Coach
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, ...
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.Creating budget categories doesn't have to be overwhelming! 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 RESOURCEDo 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 @budgeteffectpodcastEmail: [email protected] a specific question you’d like me to answer on the show? Text it! Click to Send a Text.Click to Send a Text.
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49//A List of New Year Financial Goals - Pick one!
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 RESOURCEDo 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 @budgeteffectpodcastEmail: [email protected] a specific question you’d like me to answer on the show? Text it! Click to Send a Text.
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48// 6 Habits for Reducing Money Stress - Even During the Busiest Seasons
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 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?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 @budgeteffectpodcastEmail: [email protected] a specific question you’d like me to answer on the show? Text it! Click to Send a Text.
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47// 3 Reasons You Should Do a Spending Audit
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 audit can do for you. Listen to this episode to answer these questions: 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?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 @budgeteffectpodcastEmail: [email protected] a specific question you’d like me to answer on the show? Text it! Click to Send a Text.
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46//A quick budget hack that simplifies how you track your spending
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 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! Contact Me:Instagram: @budgeteffectpodcastEmail: [email protected] a topic you want me to cover on the show? Text me! Click to Send a Text.
Sobre Budget Effect: How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset, and start Budgeting 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 momsIntentional Living & Aligning Spending with Values:How to figure out your core values and create a value-based budgetHow 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 mindsetEmbracing 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 systemsA 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)
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