Welcome to the Money Mindset Podcast where you will learn simple ways to improve your lfe and your finances.
Resouces for you:
Blog: [Budgets Made Easy ](www.budgetsmadeeasy.com )
Beginners Guide to Budgeting
How to Stop Living Paycheck to Paycheck Guide
Full Transcript:
Welcome to the money mindset podcast where you will find the inspiration and motivation you need to manage your money better than you can stress less as living the life you want. I'm Ashley Patrick, founder of the money mind mindset podcast in budgets made easy. This is your place to get the tools, knowledge, and inspiration to improve your finances and your life. My mission [00:00:30] is to inspire and motivate you to take the steps toward becoming debt free and building real wealth. That can seem overwhelming at first, but when you break it down into simple steps and focus on just one thing at a time, the possible the impossible becomes possible. The important thing is to take small steps in the right direction and you will get there, but it all starts with changing your [00:01:00] mindset around money. Believing that you can do something is half the battle.
Once you believe that you can do it, then you can take the steps and make the plan to actually do it. If you don't truly believe that you can do something, then why would you even try? That's why I am focusing on changing your mindset so that you can change your life. It all starts there. No matter what your financial goals are, whether it says stop living paycheck [00:01:30] to paycheck, whether you want to save money, pay off debt, save for your kid's future, you have to believe that you can do it and that you, that it is really an option for you, which spoiler alert it is. So that's what I will be focusing on in this podcast along with tips on budgeting, saving money, and paying off debt so you can stress less and live the life you really want because that's what I really want for you.
[00:02:00] And that's what my mission and my goal and my whole focus is for you, is to get you to change your mindset around money so that you can get past that first hurdle and make the changes and take the steps to really take control over your finances and your life so that you can do what you want to do. I mean, because that's what happened for me. So dinner news myself real quick. You know, a couple of years ago I was an extremely [00:02:30] stressful job. I was a police officer or detective for 10 years, you know, I wore child abuse cases in things that people don't want to, you know, even think that exists in this world is incredibly stressful to kids sitting in traffic just just to get to work and back home. Like traffic is ridiculous around here, you know, and I really wanted options and the only way to do that was to pay [00:03:00] off my debt.
Once I was able to pay off my debt, which will be in more detail in the next episode, $45,000 in 17 months, I was able to have the freedom to make the choice to stay at home with my kids. Once I had my third child and if I still had debt, I wouldn't have even had that option. There's no way I would've been able to stay home. So being at free gives you options. It gives you freedom. You get to do what you want to do. If you want to be able to take [00:03:30] a different road in life, go try something new. Try a different job. It gives you the ability to do that. Um, it gives you the freedom to be able to make choices based on what you want instead of what you have to do to pay the bills. So that's a little bit about myself.
Uh, my ma, my website and all my social handles, everything is budget's made easy. So it's budgets made easy.com. You can get all kinds of freebies. I've got a budget worksheets, I've got, um, you know, [00:04:00] how to stop living paycheck to paycheck guide, uh, debt, snowball worksheets, you know, everything is there. There's also the budget challenge, which is a seven day pay, what you want, budget challenge, which is actually pretty neat and I really love this idea. So the idea behind it is that you pay what you want, minimal of $5, because you do need to have some skin in the game and some motivation to actually follow through. And so that is why I did pay what you want because [00:04:30] you need to choose an amount that will motivate you and get you to actually do it and follow through with it. It's broken down into tiny little baby steps every single day, seven days.
Like even the seven days is not even making your budget. Your budget is like three days worth. So you know, you can have your budget ready to go and just a couple of days without the stress and the overwhelm of knowing where to start. This is where [00:05:00] you start. So the biggest thing people tell me is, I'm overwhelmed. I don't know how or where to start. This is where you do it. Budgetsmadeeasy.com/budget-challenge and you can get started today, have your budget done in just a couple days. Get past that overwhelm, get past that mindset block and just get started. Just do it. Okay, so in the next episode and going forward, I will be talking about how we paid off the debt so that you can do it [00:05:30] to debt payoff, tete tips, tips on budgeting, saving money. I've got lots and lots of guests, uh, that we've already started recording interviews.
So I'm so excited about that. You get to hear about how other people paid off debt and how they're managing their money in such a way that it works for their family and their life. And that's another thing before I get off here that I want to really stress to you, myself and Dave Ramsey and Susie Orman, everybody, [00:06:00] you know, they give you general advice, good budget tips, good money tips, but it's personal. It's why they call it personal finance. So what works for one person may not work for you. You need to do the research and, and you know, look at how different people do things and figuring out what's gonna work best for your family. Because you know, you may need to save more than a thousand dollars is your starter [00:06:30] emergency fund. You may need to pay off something that is in a different order than the debt snowball and that will go into what all that means in more episodes.
But you just really have to focus on your situation, see what will work for you and what will motivate you to start and keep going and finish. Cause that's the most important thing. As long as you keep moving in the right direction, you will get there. You may not get there as fast as [00:07:00] me or somebody else, or maybe you will. Maybe you don't have as much debt as I had. You know, everybody's situation is a little bit different, so don't compare your journey to somebody else, but you just need to get started. Keep going, stay motivated. And that is what this podcast and what I'm all about. I am so excited to get started on this journey with you. Be sure to check out budgets made easy.com for all your helpful resources on getting started by [00:07:30] making your budget, working on your mindset, planning your goals, and everything in between. To get started on your budget, go to budgetsmadeeasy.com/budget-challenge and get started working on your budget and planning out your goals today. Be sure to check out the links in the show notes for all your helpful resources. And the next episode I will be talking about how we paid off $45,000 in debt in just 17 months. [00:08:00] I'll see you there.