BSS - Overcoming Buy Now Pay Later so Gwen Can Pay Off Debt

Episode 102 · November 17th, 2022 · 30 mins 38 secs

About this Episode

Services that offer a buy now, pay later program such as Afterpay can sometimes be more beneficial to use.

It can be a great help when buying goods and items. But, if you are unable to keep up with your payments, you'll only end up with more debt.

Listen in as Ashley shares tips on how to overcome buy now, pay later debts such as using your extra money to cover payments, tracking your spending, making extra money, and using cash envelopes to help save for future purchases and pay off debt.

Hosting Today:
Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier.

I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems.

Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others.

“Make a list of priorities for where you want that money to go to so that it doesn't just get mindlessly spent but it can go towards your goal.”
- Ashley Patrick

00:00 - Introduction for today's episode
00:54 - How to sign up for your own Budget Strategy Session episode
02:06 - Meet Gwen
04:03 - Gwen's biggest struggle
08:02 - Actions Gwen can take to manage her financial struggles
14:48 - About the cash envelope system
21:32 - Gwen's 24 hour goal
25:08 - Making realistic goals
27:31 - Making visuals to remind you of your goals

If you'd like to work through your own struggle with your budget 1:1 with me, sign up for a Budget Strategy Session on The Money Mindset Podcast! Sign up at

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

Resources and Links Mentioned:

Connect with Ashley: