The Money Mindset Podcast

#98 BSS How to Stop Overspending on Treats for Yourself

October 20th, 2022

Do you always treat yourself when you feel stressed, tired, feeling sad, or you're having a good day?

While it is good to acknowledge that we deserve something special, the truth is we sometimes overindulge and overspend just to treat ourselves, causing us to regret it later.

Listen in as Ashley discusses how developing good habits and routines, as well as having the right mindset, can help you stop overspending on treats for yourself so you can save for your bigger goal. She will also discuss how to create a zero-based budget and how to add categories for things that always "pop up" in your budget.

Hosting Today:
I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday.

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“Give yourself some grace. Know that it's a process and you've gotta build those habits and routines and change your mindset. Like, that takes time and I think people get so caught up and they feel so bad because they feel like they're just gonna instantly become a different person. But once it clicks, like usually it takes time for it to like really click and flow and so just give yourself that grace to get that figured out.”
- Ashley Patrick

00:00 - Introduction for today's episode
02:56 - Meet Ann-Marie
06:22 - Ann-Marie's biggest financial struggle
09:59 - The treat yourself mindset
12:40 - About habit stacking
15:26 - Ann-Marie's dreams for herself and her daughter
17:22 - Switching your mindset about spending
19:31 - Using physical reminders to help with your goals
20:27 - Giving yourself a reward
21:36 - Ann-Marie's 24 hour goal
25:17 - Adding a miscellaneous category in your budget
27:11 - Zero-based budget

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

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