The Money Mindset Podcast

#104 BSS - Getting the Family to Stop Spending so You Can Stay at Home!

November 28th, 2022

Do you want to quit your job so you can stay at home with your kids, but can't because the rest of your family is unable to stop spending money?

Listen to today's episode as I discuss some action steps Heather can take with her family so she can quit her job and stay at home with the kids, such as using cash instead of credit cards, preparing freezer meals, setting time frames, and creating visual trackers to get everyone on board with her goals.

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.

“I really encourage people to start working on their behavior before they do something like that so that you've already kind of laid that groundwork. Because what almost always happens is people refinance, they get comfortable and then they rack up the debt again.”
- Ashley Patrick

00:00 - Overview of today's episode
01:32 - How to have your own Budget Strategy Session
02:39 - Get to know Heather
06:23 - Discussing your financial goals together as a family
08:01 - Using cash instead of credit cards
12:30 - About refinancing and changing your behavior
13:16 - Setting time frame and visuals for your goals
15:05 - Preparing freezer meals
16:24 - Creating a visual tracker
17:35 - Getting everybody on board to work together towards your goal
22:04 - Heather's 24 hour goal
39:38 - Giving yourself some grace
41:15 - Last words of wisdom

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

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