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📋 BUDGET SCHOOL coming soon.  

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 being as far along as you thought you’d be by now. I share my own recent experience with feeling uninspired and how I turned things around, along with 4 practical steps you can use to reset your mindset and your money habits.

Here’s what you’ll learn:

• Why discontent shows up (even when you’re normally grounded and grateful).
• How comparison and external pressure can derail your mindset and your budget.
• 4 ways to shift out of a low-energy state

If you’ve been feeling off, frustrated, or just “bleh,” this episode will help you feel lighter, more intentional, and more in control of your money and your mindset.

Let's connect:
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Email hello@thebudgeteffect.com 

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🎉Grab your free Budget School JUMPSTART.

📋 BUDGET SCHOOL coming soon.  

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 travel inspo or garden vibes?

By the end of this episode, you’ll have a better sense of what really lights you up—so you can build a budget that actually supports the life you want, not the one you think you should want.

Let's connect:
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📋 BUDGET SCHOOL coming soon.  

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 instead of sabotaging it. 

You'll hear:

•  real-life examples
• mindset shifts
• four practical strategies for building celebration into your budget—without guilt, credit card debt, or backtracking.

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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 shine in their financial journey
• What budgeting habits might feel easier—or harder—for each
• And advice for building a budget that fits who you are

Because here’s the truth: you don’t have to change your personality to manage your money well. You just need a system that honors the way you naturally think and live.

💬 Listen to this episode to answer:

• What parts of budgeting already match your personality?
• Where do you tend to get stuck?
• What can you do to make budgeting feel more you?

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📋 BUDGET SCHOOL coming soon.  

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's what we'll cover in this episode.  

Let's connect:
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📋 BUDGET SCHOOL coming soon.  

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 activities in your budget
• Use the summer months to build up a school shopping fund
• Handle leftover money in that category the smart way
• Set up a simple system (even if it’s just cash in an envelope!)
• Be resourceful with used supplies and organize what you already have

Whether you’re a budgeting beginner or looking to upgrade your system, this episode will help you stay ahead of school costs without the stress.

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🎉Grab your free Budget School JUMPSTART.

📋 BUDGET SCHOOL coming soon.  

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 feeling stuck. I’ll give you a clear, simple definition of what a zero-balance budget is — and then I’ll walk you through 12 reasons why I believe this method really works. From clarity and flexibility to confidence and momentum, this approach has changed the way I handle money. If you're ready to move forward with your money, this is the place to start.

Listen to the Episode to Answer These Questions:

• What does it actually mean to “give every dollar a job”?
• How does a zero-balance budget help reduce stress?
• Why does this method work even if your income changes?
• What’s one small step you can take today to get started?

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📋 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 you’re at and stop the financial overwhelm.
• Practical steps to regroup and make a plan moving forward.
•  How to get back to your budgeting system (or start one, if you don’t have one yet!). 

It’s time to take control and get your budget back in line with your goals. Tune in to get the guidance and clarity you need to reset and move forward with confidence.

🎉🎉Do you want me to come into your email with the FREE JUMPSTART?  By the end of this email challenge, you’ll have the essential numbers you need to begin budgeting, a goal, and insight into your current spending habits. Click here! 

Let's connect:
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Email hello@thebudgeteffect.com 

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🎉Grab your free JUMPSTART.

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 financial life.

🎉🎉Do you want me to come into your email with the FREE JUMPSTART?  By the end of this email challenge, you’ll have the essential numbers you need to begin budgeting, a goal, and insight into your current spending habits. Click here! 

Let's connect:
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Email hello@thebudgeteffect.com 

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🎉Grab your free JUMPSTART.

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 waitlist here → CLICK HERE. 

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Email hello@thebudgeteffect.com 

Got a specific question you’d like me to answer on the show? Text it!

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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 balance between fun and financial goals
• What routines to keep this summer to avoid feeling like everything’s falling apart

Whether you’re dreaming of a small getaway, navigating kids' sports schedules, or just trying to enjoy the season without the stress, this episode is for you.

✨ Be the first to know when my Budget School course launches! Get on the waitlist here → CLICK HERE. 

Let's connect:
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Email hello@thebudgeteffect.com 

Got a specific question you’d like me to answer on the show? Text it! 

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🎉Grab your free JUMPSTART.

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 this episode. 

✨ Be the first to know when my Budget School course launches! Get on the waitlist here → CLICK HERE. 

Let's connect:
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Email hello@thebudgeteffect.com 

Got a specific question you’d like me to answer on the show? Text it! 

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🎉Grab your free JUMPSTART.

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 intentional with your money, and how to build the systems and mindset you need to start saving, paying off debt, having money ready for the things you need, and even investing.

These are the behind-the-scenes habits that most people don’t talk about—but they make a huge difference in your day-to-day financial life.

Whether you're just starting out with your budget or you've been working on your finances for a while, this episode will help you build habits that stick—and support the money goals you care about most.

✨ Be the first to know when my budgeting program launches! Get on the waitlist here → CLICK HERE. 

Let's connect:
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Email hello@thebudgeteffect.com 

Got a specific question you’d like me to answer on the show? Text it! 

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🎉Grab your free JUMPSTART.

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 simple steps you can take today to start building one. 

🎉Grab your free JUMPSTART.

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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:
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Email hello@thebudgeteffect.com 

Got a specific question you’d like me to answer on the show? Text it! 

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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: hello@thebudgeteffect.com

Click to Send Fan Mail

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: hello@thebudgeteffect.com

Did you know you can text the show? Unfortunately, I can't text back! ☹️ But I'd still love to hear from you. 

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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 hello@thebudgeteffect.com 

Got a specific question you’d like me to answer on the show? Text it! 

Click to Send Fan Mail

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:

1. Why should you focus more on your system than your end goal?
2. How do small financial habits create massive change over time?
3. Why do successful money habits feel easy when set up correctly?
4. 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 hello@thebudgeteffect.com 

Got a specific question you’d like me to answer on the show? Text it! 

Click to Send Fan Mail

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 hello@thebudgeteffect.com 

Got a specific question you’d like me to answer on the show? Text it!

Click to Send Fan Mail

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 challenges
• Working 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 hello@thebudgeteffect.com 

Got a specific question you’d like me to answer on the show? Text it!

Click to Send Fan Mail

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:

1. How do budget categories impact your ability to stick to your budget?
2. What’s the connection between the right categories and better money habits?
3. How can your categories help you make faster, easier decisions?
4. Why do personalized categories make you love your budget more?
5. 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: hello@thebudgeteffect.com

Got a specific question you’d like me to answer on the show? Text it! 

Click to Send Fan Mail

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:

1. What’s the easiest way to decide which categories belong in my budget?
2. How can I separate needs, wants, and savings in a way that works for my family?
3. Why is it important to keep budget categories simple and flexible?
4. How do I adjust my budget for seasonal changes or life events?
5. 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: hello@thebudgeteffect.com

Got a specific question you’d like me to answer on the show? Text it! 

Click to Send Fan Mail

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: hello@thebudgeteffect.com

Got a specific question you’d like me to answer on the show? Text it! 

Click to Send Fan Mail

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, and how can it help reduce financial stress?
2. Why is simplifying your financial accounts a key to staying organized?
3. How can consistent money wins boost your confidence and keep you on track?
4. What role does gratitude play in maintaining a healthy mindset about money?
5. 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 @budgeteffectpodcast

Email: hello@thebudgeteffect.com

Got a specific question you’d like me to answer on the show? Text it! 

Click to Send Fan Mail