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

Jaksot

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  96//5 Things You Might Be Getting Wrong About Your Budget 15.09.2026 18min

  What if the way you think about managing your money is actually holding you back from getting the life you want? 5 common beliefs about money might be keeping you from having the money for what you really want. Let’s flip those beliefs. 🔥🔥🔥 🎉🎉Get organized and create a plan. My Household Money Clarity Plan is an amazing tool that helps you get organized, figure out where you are starting, where you want to go, and what to do next. Send Questions or Comments Let's connect: Email hello@the...
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  95// 3 tips to Improve your Budgeting Routine 08.09.2026 14min

  Has the busyness of life left your money disorganized, stressful, or out of control? In this episode, we're talking about how to make budgeting a normal part of your household routine—not something you have to constantly start over. I'll share three simple shifts that can help you build a budgeting practice that works with real life. If you'd like some help with your money, here are two ways I can help: Get organized and create a plan. My Household Money Clarity Plan helps you figure out wher...
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  94// How to Adjust Your Budget When the Cost of Living Goes Up 21.07.2026 19min

  Life is getting more expensive—but that doesn't mean you have to panic. In this episode, I'm sharing the practical changes I'm making in my own budget and 7 ways you can adjust yours while staying focused on what matters most. If money feels tighter lately, this episode will help you make intentional decisions instead of stressful ones. 🎉If you'd like some help with your money, here are two ways I can help:🎉 Get organized and create a plan. My Household Money Clarity Plan he...
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  93// What It Looks Like When Your Budget Actually Starts Working 15.07.2026 23min

  Have you started budgeting, but want to know what it's going to look like when it actually starts to work for you? Do you want to see how it gets easier over time? In this episode, I'm walking you through what the journey of budgeting can look like, from creating your first budget to using those skills to create the life you want. 🎯 Ready to create a clear plan for your money? The Household Money Clarity Plan will help you organize your finances, build a budget you can actually stick to, an...
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  92// How to Budget for the Life You Actually Want 07.05.2026 18min

  In this episode, I’m sharing 3 practical ways to make your budget about more than just paying the bills. We’ll talk about using your money to support the things you value, the lifestyle you want, and the goals that matter most to you. If you’re tired of wondering where your money went and want a budget that reflects what you actually care about, this episode is for you. 🎉If you'd like some help with your money, here are ways I can help:🎉 Get organized and create a plan. My Household Money C...
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  91// How to Build Money Habits That Stick (4 Science-Backed Strategies) 21.04.2026 20min

  You know what you should be doing with your money, but you just can’t seem to stick with it. Maybe you start budgeting and fall off. You track your spending for a while, then stop. You know what you need to do, but you can’t seem to make it a habit. You don’t need more motivation. You need habits that actually stick. In this episode, I’m breaking down 4 science-backed strategies for building better money habits using research from neuroscientist Andrew Huberman. 💚Want to work on your money ha...
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  90// 3 Steps to Financial Stability in your Household 14.04.2026 24min

  We're breaking down 3 action steps to become and feel financially stable — without overcomplicating it or trying to do everything perfectly. We’re focusing on the foundation: Know your true spending number Build the right kind of savings Stay consistent with simple money check-ins 🎉Free Spending Audit - Click here! Send Questions or Comments Let's connect: Email [email protected]
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  89// The 3 Parts of your Household Finances 07.04.2026 19min

  Money problems aren’t just one thing. In this episode, I break down the 3 parts of your money system so you can finally figure out what’s actually holding you back—and what to do about it. This episode is for you if: You’ve made a budget… but it’s not working You feel stressed about money even when you should be okay You don’t know where your money is going You keep overspending, even when you don’t want to What you’ll walk away wi...
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  88// I'm back! Life update and what is to come. 05.04.2026 5min

  Life got busy, I hit burnout, and I built systems to get back on track. I’m sharing my reset and what’s coming next—new episodes start Tuesday! So glad you're here! Let's connect: Instagram: @budgeteffectpodcast Email: [email protected] Send Questions or Comments Let's connect: Email [email protected]
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  Make Better Money Decisions in 2026 with a Year Plan - Ep #87 07.01.2026 20min

  A year plan helps you zoom out and see all your money at once, not just month to month. When you do that, a few powerful things happen: You gain clarity around what you’re actually capable of in a yearYou can set realistic goals for saving, investing, vacations, and self-careYou understand why money feels tight — and what to adjustIn this episode, I walk you through: What a year plan is (and what it’s not)How to create one using your monthly numbersWhy it’s especially helpful if you’re draini...
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  6 Questions for End of the Year Reflection with your Finances- Ep#86 27.12.2025 23min

  Thinking about new money goals — or just want to feel less stressed and more in control? These 6 reflection prompts will help you reset your finances in a way that actually fits your life. They’re not ONLY about crunching numbers (although we crunch a few). They’re about making sure your money is working for your real life, your values, and the things that matter most. Free Resources: 🎉Free Household Money Snapshot 🎉Free Spending Audit Spreadsheet and Directions Se...
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  Progress over Perfection with Your Household Finances - Ep#85 16.12.2025 20min

  Do you feel like budgeting only “works” when life is calm and organized? In this episode, we’re talking about why consistency matters more than perfection — and how to keep moving forward with your money even when life feels messy. I walk you through the three core habits of a solid budget routine and what consistent (not perfect) action actually looks like in real life: Setting up your zero-balance budget — even if you’re late or behindTracking your spending so you know what’s working ...
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  The 3 Habits You Need in Your Household Budget Routine - Ep#84 12.12.2025 12min

  Do you want to feel more in control of your household finances? In this episode, I’m giving you the 3 habits that make budgeting easier, calmer, and more consistent. This episode walks you through the three simple habits that keep your budget running smoothly—just like a good morning routine. These habits are the foundation of a budget you can actually stick to, even when life feels busy or chaotic. Other episodes mentioned in the show: More on creating "buffers" in your budget: 🎧 Epis...
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  Overspending? Batch These 4 Things - Ep#83 18.11.2025 19min

  If you’re tired of overspending — whether you never stick to your plan or you blow your budget on random Tuesday trips — this episode gives you four simple “batching” strategies to keep your spending under control. You’ll learn how to batch: Monthly essentials so you stop making extra trips (and extra purchases).Seasonal clothing so you only buy what you truly need.Gift giving (holidays + kid birthdays) so you stop forgetting what you already bought.Groceries so you avoid impulse buys and ove...
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  4 easy habits you NEED if you want to SAVE more money - Ep#82 13.11.2025 17min

  Unexpected bills? Kids’ expenses piling up? I get it. Even on my single-income teacher’s salary, I’m still saving money every month—and it’s because of these 4 simple habits. In this episode, I’ll show you the easy, everyday things you can start doing to finally keep more of your money without cutting all the fun out of your life. Simple habits. Real savings. You can do this. 🎉Grab your free Budget School JUMPSTART. 💪 Do you want my help? 💪 My budget course gives you the tools and guidance ...
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  Are you bad with money? Or is it THIS.... - Ep#81 04.11.2025 18min

  Think your budget keeps failing because you’re “bad with money”? Nope. It might actually be because you haven’t eaten enough kale… seriously. In this episode, we pull back the curtain on all the non-money habits that impact your spending—your schedule, your energy, your clutter, your routines, and (yes) what’s happening in your fridge. You’ll learn why budgeting isn’t just tracking numbers; it’s about managing your life so you can follow your budget. In this episode you’ll learn: Why yo...
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  80// How to Plan Now for a Calm, Budget-Friendly Holiday Season 21.10.2025 22min

  🎅Link to HOLIDAY PLANNER The holidays are coming — but you don’t have to rush or stress this year. In this episode, Erin helps you get ahead now so you can feel calm, organized, and financially prepared when the season arrives. You’ll walk through how to plan your time, money, and mindset in advance — so you can be present with your kids and actually enjoy the holidays. 💡 What You’ll Learn How to start future-thinking with your holiday budget and calendarThe first steps to take with you...
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  79// How to Do Allowance! And other family money habits - with Emily Holthaus (Part 2) 14.10.2025 51min

  Welcome to Part 2 of our KIDS and MONEY series. Here's a link to Part 1 - Episode 77. In this episode we cover: How to do allowance with your kidsHow to teach kids to be patient when they want somethingHow to budget with kids at any ageHow to help our children deal with marketing, consumption, and comparisonIt's filled with practical steps to helping your kids develop healthy money habits and mindsets! Give Emily a follow on Instagram @RaisingLittleMillionaires. ...
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  78// Are You an “If” or a “Because” with Your Money? 09.10.2025 9min

  🎉Grab your free Budget School JUMPSTART. Ever notice how your thoughts about money shape your results? In this episode, Erin breaks down two powerful ways of thinking about your household money: “if” and “because.” Are you telling yourself: “I’ll stick to my budget if everything goes smoothly”?“I’ll save if there’s anything left over”?Or are you shifting toward: “I’ll stay consistent because I want freedom”?“I’ll save because it matters to my family’s future”?This small mindset shift changes ...
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  77// 3 Money Mindsets to Teach to your Kids: Powerful and Practical! with Emily Holthaus from Raising Little Millionaires 23.09.2025 38min

  In this episode, I sit down with Emily from @RaisingLittleMillionaires to talk about how to teach kids about money in practical ways. We’re already teaching them about money—whether we realize it or not—through our habits and conversations. Let’s do it better! We cover the 3 essential money mindsets to teach at home: Split it before you spend it – give kids real practice with saving and spending.Make spending hard and saving easy – set up guardrails like cash or prepaid cards, and automate sa...