The Money Mindset Podcast

#144 BSS - Giving Yourself Some Freedom to Spend and Stop Overthinking Everything!

May 4th, 2023

Do you find yourself struggling with overthinking and overanalyzing your finances? Do you have a hard time allowing yourself some freedom to spend?

In this episode of the Money Mindset Podcast, Ashley speaks to Melanie, who is struggling with overthinking and overanalyzing her finances, and discusses how financial planning can help her manage her finances better to stop her from overthinking. Ashley also encourages us to give ourselves permission to spend money on things we enjoy and shares a few tips on how to do so without derailing our financial 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.

“So you know, not everything has to be something you need, like if you just enjoy it and it's something you want, as long as it's reasonable and it's not putting you off track for your other goals, it's not keeping you from retirement, it's not keeping you in debt. Give yourself some joy. Give yourself permission to spend some money on things you just want because you can.”
- Ashley Patrick

00:00 - Introduction to today's episode
01:45 - Melanie's background and struggles with overthinking credit card payments and tracking expenses
05:37 - Paying your credit card statement by the closing date
09:40 - Tips for tracking expenses and creating a schedule for credit card payments
17:05 - Tracking expenses on your own terms
20:45 - Encouraging people to have fun and spend money on things they want and enjoy
22:56 - Using your extra money for fun money
27:53 - Melanie's 24-hour action step

If you would like to sit down with me and discuss what you are struggling with and some steps that you can take to make progress and get over that big struggle, I invite you to sign up for your own Budget Strategy Session episode at and have a mini coaching session with me.

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: