Claim OwnershipBudget 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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© 2025 Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income
Description
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 moms
Intentional Living & Aligning Spending with Values:
- How to figure out your core values and create a value-based budget
- How 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 mindset
- Embracing 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 systems
A 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)
95 Episodes
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🎉Grab your free Budget School JUMPSTART. 📋 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 budgetUse the summer months to build u...
🎉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 w...
📋 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 a...
🎉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 ...
🎉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. Let's connect: Instagram @budge...
🎉Grab your free JUMPSTART. 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 summerTwo mindsets that will help your dollars stretch furtherHow to find the right balance between fun and financial goalsWhat routines to keep this...
🎉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 cours...
🎉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 min...
🎉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 buildi...
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...
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 ...
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 wan...
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 ...
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 st...
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 fe...
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 shiftin...
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...
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 questio...
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 contro...
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 finan...
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