Avoid the holiday debt hangover this year and actually enjoy the season without the guilt!

Money is a tool, not something that will bring happiness on it's own.

📌** But it's what money allows us to do that can make us happy.**

🙌 The win of the week spotlight is on Angela who is a Money Success Club member. She joined the free training series that I hosted last September.
Then joined Money Success Club right after.
She just posted in the club that she made her last consumer debt payment!!! The only debt she has left is her mortgage.
She paid off $33,600 in 12 months!!!
Can you imagine what you could be celebrating in 12 months from now?

Try out Money Success Club for just $1! 😲
https://leads.budgetsmadeeasy.com/msc-membership-1-trial-offer

Today, women still face pay gaps, retirement wealth gaps, and social pressure to put others first financially.

In this episode, we’ll explore how feminism and money are deeply connected, why building financial confidence is an act of empowerment, and the steps you can take to create freedom for yourself and the next generation of women.

Join Q4 Planning Session here:
https://leads.budgetsmadeeasy.com/msc-membership-1-trial-offer

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Well, it's not.

You just need to remember that small wins add up and that you need a community of supportive women cheering you on.

Come join our amazing community of women just like that are on the journey–even with–life's ups and downs.

Try out Money Success Club for just $1!
Sign up here ➡️ https://leads.budgetsmadeeasy.com/msc-membership-1-trial-offer

Today I want to help you pause and celebrate the small victories, because every big financial success is made up of dozens of little wins.
I want to shift your focus from what’s not perfect in your finances to what is going right.

Because here’s the thing — so many women I talk to are doing better than they think. They’re making progress, but they don’t recognize it, so they feel stuck or discouraged.
So let’s change that.

In this episode, I’m sharing 7 little wins that prove you’re moving in the right direction with your money — even if it doesn’t feel like it yet.

Come try out Money Success Club for just $1 - https://leads.budgetsmadeeasy.com/msc-membership-1-trial-offer-ty-offer

This episode dives into the financial mindset shifts that are especially important in midlife. We’re unpacking how your upbringing, past choices, and long-held beliefs might be keeping you stuck, and what you can do to change that.

Tune in for simple advice and real encouragement to help you take the next step with confidence.

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.

“You've got to prioritize yourself, learn to say no, and just really set the boundaries and expectations so that you're not responsible for taking care of everybody in your life, and that is okay. There is nothing wrong with that.”
- Ashley Patrick

Tired of feeling like your money disappears before you know where it went? It’s time to take back control! Join the FREE Spring Savings Challenge and start finding money you didn’t even realize you had. Go to https://leads.budgetsmadeeasy.com/spring-savings-challenge-2025 to sign up today!

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:

• Budgets Made Easy Blog: https://www.budgetsmadeeasy.com/top-3-midlife-money-myths-that-are-holding-you-back/
• FREE Spring Savings Challenge: https://leads.budgetsmadeeasy.com/spring-savings-challenge-2025/

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

From letting go of past mistakes to embracing your power to negotiate, build wealth, and diversify your income, this episode blends practical advice with empowering encouragement. Whether you’re planning for retirement, feeling stretched too thin, or simply wondering what’s next, it will help you shift your mindset and move forward with clarity.

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.

“I want you to realize that you're just getting started. You are doing the best that you can and that you were never too old. It is never too late to get things going and take control of your finances and get things back on track. So even in this season, it is not too late.”
- Ashley Patrick

If you need help paying off your debt, go to www.budgetsmadeeasy.com/debt for your Paying Off Debt Starter Kit. This will help you really get going on your journey to longer-term investing strategies.

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:

• Paying Off Debt Starter Kit: www.budgetsmadeeasy.com/debt
  
• Budget Starter Kit: www.budgetsmadeeasy.com/start

Connect with Ashley:
Instagram: www.instagram.com/budgetsmadeeasy

In this episode, we dive into the connection between gratitude and money habits, exploring how emotional spending often stems from a lack of fulfillment. When we focus on appreciating what we have, we reduce impulse purchases, avoid lifestyle creep, and ultimately build a healthier financial mindset.

We’ll also discuss practical steps to cultivate gratitude, from mindful spending habits to journaling, and how these small shifts can lead to big financial wins.

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.

“Remember, what we do with our money when it comes to reaching our big goals really boils down to being mindful of our actions and intentions, making sure they line up, and ensuring that you are actually doing what you truly want to do.”
- Ashley Patrick

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

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:

• Budget Starter Kit: www.budgetsmadeeasy.com/start

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

We discuss how emotional factors, like the mental load of managing finances, can impact these talks and share ways to help both partners feel involved and informed. Our guest, Adam Kol of The Couples Financial Coach, brings valuable insights on how to navigate these conversations.

Tune in to discover how empowering both partners with financial knowledge can transform your relationship and finances.

Meet Adam!

Adam Kol is The Couples Financial Coach. He helps couples go from financial overwhelm or fighting to clarity, teamwork, and peace of mind.

Adam is a Certified Financial Therapist-I™, Certified Mediator, and Tax Attorney with a Duke Law degree and a Master's in Tax Law from NYU. He is a husband, dad, and musician, as well.

Adam's wisdom has been shared with The Wall Street Journal, the Baltimore Ravens, CNBC, NewsNation, and more.

“Your partner wants to connect with you about finances. It may seem like they don't, and you might convince yourself that they don't. They do. They may not realize that they're avoiding it or why, but they do because it has such a profound effect on the lives that we live. I mean, it really touches every aspect, from how we raise our families to what we do for jobs, to the kind of food we eat, to the kind of things we have, etc. So your partner does want to feel like they can connect with you. It's just that people don't feel confident in that a lot of times, partly because it is true that money is still a taboo. But keep in mind that this is something where you both will feel a lot better if you're on the same page.”
- Adam Kol

Book Recommendation:

• Financial Intimacy for Couples: How to Achieve Clarity, Teamwork, and Peace of Mind With Your Money, by Adam Kol. Download his book on Amazon-> (Affiliate link) https://amzn.to/3AClDC1

Resources and Links Mentioned:

• Check out the previous episode with Adam - #3 Getting On The Same Page With Your Spouse About Money with Adam H. Kol, J.D. https://www.themoneymindsetpodcast.com/3

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Adam:

• Website: https://CouplesFinancialCoach.com
• Instagram: @CouplesFinancialCoach
• Facebook: @CouplesFinancialCoach
• LinkedIn: Adam Kol, The Couples Financial Coach
• YouTube: The Couples Financial Coach

Special Guest: Adam H. Kol, J.D. .

She shares insights on how to create a calm and stress-free holiday experience. With these simple tips, you can get organized and stress less about your finances, time, and priorities for the holidays.

Tune in to the podcast to discover how you can embrace a more peaceful and intentional holiday season!

Meet Jennifer!
Jennifer Roskamp is a certified life coach, founder of The Intentional Mom, homeschooling mom of 9 & Gigi (grandma) of 2 who is passionate about helping women who work outside & inside of the home rediscover their purpose, passion, and in managing their homes, their families, their lives, and their own mindset.

Using her 3 secret weapon formulas, Jennifer has helped many thousands of women gain clarity and confidence in what to do (& what to let go of) every day.

“We aren't compartmentalized. The things that we struggle with in one area are usually challenging in other areas as well. Like you say, if we can just start to move the needle forward in some of our habit formation, our ability to follow through, or our ability to live by the routine that we set up, we might be doing it from a budgeting standpoint, but all of a sudden, wow, I have an easier time getting up earlier in the morning too. Once I'm setting the good habits with my money, it makes me want to, and makes it easier for me to follow the good habits in other areas too.”
- Jennifer Roskamp

Resources and Links Mentioned:

• Come join us for the FREE Simplify Your Holiday Season Summit at https://apatrick--the-intentional-mom.thrivecart.com/syhsoct-all-access-pass-a-47/

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Jennifer:

• Website: www.theintentionalmom.com
• Podcast: The Intentional Midlife Mom Podcast
• Instagram: theintentionalmomblog

Discover how small changes in your shopping behavior and awareness of your triggers can pave the way to a healthier relationship with money.

Tune in to learn how to stop overspending and move closer to your financial goals.

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.

“It's really important to remove temptation. So, once you know what is causing you to overspend, remove that temptation—delete the apps, unfollow the people, unsubscribe. Understand that it's a habit, and habits can change, but it takes time and practice. You've got to be patient with yourself. Once you realize what the trigger is, you can set up roadblocks so that you aren't falling for those temptations as quickly or as often.”
- Ashley Patrick

Do you ever wish you had more time, space, and accountability to tackle those tasks you know should be priorities—like budgeting, paying off debt, saving money, or meal planning? If those to-dos keep slipping off your list, you're not alone! Imagine being part of a supportive community of busy moms who are navigating the same financial goals and cheering each other on.

If this sounds like what you need, join the waitlist for the Money Success Club at https://leads.budgetsmadeeasy.com/msc-waitlist/

Resources and Links Mentioned:

• Join the waitlist for the Money Success Club here-> https://leads.budgetsmadeeasy.com/msc-waitlist/

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

You'll learn how to break down your big financial goals into manageable steps, like paying off debt, and make a plan that suits your lifestyle. We’ll discuss why it’s important to not get discouraged by setbacks and how to implement habits that can help carry you through tough times.

Whether you're aiming to pay off debt or save for travel, this episode offers actionable advice to stay on track, build better money routines, and stay focused on your financial journey.

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.

“To me, self-discipline is really consistency, and consistency is not about being perfect at it. It's not about getting it 100% right 100% of the time. It's actually about getting it mostly right most of the time.
Remember, it’s not about being perfect. Things are going to happen. Life is going to happen. Things will come up, and you will get out of your routine. But with consistency, you'll be able to get back on track easier and faster when things do come up.”
- Ashley Patrick

Struggling to budget? My FREE "Roadmap to Real-Life Money Success" Bootcamp will help you set up a doable financial plan and build lasting habits. Save your seat here: www.budgetsmadeeasy.com/training

Resources and Links Mentioned:

• Come join us for the FREE Roadmap to Money Success Bootcamp at www.budgetsmadeeasy.com/training

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

In this episode, you’ll gain insights into realistic planning, managing credit cards, and how small shifts in your financial mindset can lead to significant progress in paying off debt.

Join us as we explore five key money mistakes that may be holding you back and learn how adjusting your expectations could be the key to success.

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.

“You’ve got to know where your money is going, which means you’ve got to track it. You’ve got to look at it and know your numbers. You need to get over the fear, procrastination, and avoidance. You’ve got to make it happen if you want to pay off your debt. It’s not going to just happen on its own, right? You’ve got to be intentional. Being intentional helps you create a realistic money plan. It all goes together, right?”
- Ashley Patrick

Struggling to budget? My FREE "Roadmap to Real-Life Money Success" Bootcamp will help you set up a doable financial plan and build lasting habits. Save your seat here: www.budgetsmadeeasy.com/training

Resources and Links Mentioned:

• Check out the full list here: https://www.budgetsmadeeasy.com/10-mistakes-to-avoid-while-paying-off-debt/

• Come join us for the FREE Roadmap to Money Success Bootcamp at www.budgetsmadeeasy.com/training

Connect with Ashley:
Instagram: www.instagram.com/budgetsmadeeasy

In this episode, we explore strategies for balancing debt payment with essential expenses, even when money is tight.

We'll dive into practical tips on defining true necessities, prioritizing your spending, and organizing your finances to make consistent progress toward your goals.

Make sure to listen to the full episode for tips that can transform how you handle debt.

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.

“You've got to prioritize it if you want to pay off debt. It has to be a priority. It can't be just the last thing because, guess what, there won't be anything left if you just send what's left at the end of the month. I promise you, things will come up, things will happen, and if you see that money sitting there in your account, and if you're not really, really committed and intentional with what you've got sitting there, it will go to something else.”
- Ashley Patrick

Struggling to budget? My FREE "Roadmap to Real-Life Money Success Bootcamp" will help you set up a doable financial plan and build lasting habits. Save your seat here: www.budgetsmadeeasy.com/training

Resources and Links Mentioned:

• Come join us for the FREE Roadmap to Money Success Bootcamp starting September 22nd at www.budgetsmadeeasy.com/training

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Whether you're dining out, picking up takeout, or receiving a service at home, we cover the expectations and realities of tipping in various situations.

Listen to my thoughts on when I tip and when I don't, and let me know what you do or whether you think I'm right or wrong on Instagram @budgetsmadeeasy.

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.

“Why don't you just pay your people enough to work? Like, I don't get it. We need to just pay a living wage, even if that means that we pay more on the menu.”
- Ashley Patrick

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

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:

• Grab your FREE Budget Starter Kit at www.budgetsmadeeasy.com/start

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Whether you're overwhelmed by your current situation or just need a fresh start, this episode provides practical tips on how to reset and regain control of your finances. From reconciling your bank accounts to implementing no-spend challenges, you'll learn strategies to simplify your budgeting process and stay on track.

Tune in to find out how to make a clean slate, set realistic goals, and manage your money more effectively.

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.

“Don't feel like you have to go back and track everything. Just start over tomorrow, start over next week, wipe the slate clean, and take your bank account minus what hasn't posted yet. That's what you have left. Do a no-spend challenge, reevaluate your goals, and decide what you actually want to do with your money this year.”
- Ashley Patrick

Struggling with overspending? Take control of your finances with our FREE Masterclass: "How to Stop Overspending." Discover practical tips to curb emotional spending, create a solid money plan, and stay on track with your financial goals.

Register for the LIVE session on June 20th at 8pm ET - 5pm PT and start your journey towards financial freedom. Limited spots available – sign up now at www.budgetsmadeeasy.com/class

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:

• FREE Masterclass: "How to Stop Overspending": www.budgetsmadeeasy.com/class

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Today's episode explores the valuable lessons Ashley learned over seven years as a money coach. We'll discuss personal finance insights, how individual perspectives shape financial decisions, and why there's no one-size-fits-all approach.

Join us as we dive into topics like understanding diverse learning styles and navigating different seasons of life. These insights offer guidance on developing a healthier relationship with money.

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.

“Because it is personal. And you know what you do with your money, what your goals are, what is important to you is personal, and it's not gonna be the same for everybody. And that's what's so exciting about really being intentional with your money is that you get to decide based on your values, your life vision, what you want to leave as your legacy, how you wanna teach your kids, what you wanna teach your kids. All those things are personal. And so it's really exciting because you get to dictate what that looks like for you.”
- Ashley Patrick

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

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:

• Grab your FREE Budget Starter Kit at www.budgetsmadeeasy.com/start

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Join us as we explore the importance of being realistic, creating effective plans, and establishing healthy habits to set yourself up for financial success.

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.

“So, what do you need to do to set yourself up for success when it comes to sticking to your budget? That means your meal planning, okay? But it also could be making sure that you have in your schedule a day, a time, and a place that you are going to check in with your budget. So, check in with your spending, check in with where your money needs to go.”
- Ashley Patrick

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

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:

• Grab your FREE Budget Starter Kit at www.budgetsmadeeasy.com/start

Connect with Ashley:
Instagram: www.instagram.com/budgetsmadeeasy

• Find the video on YouTube at https://youtu.be/eQvD7mi0tgw

In this episode, we dissect the concept of lifestyle creep, where rising income often leads to increased expenditure. Discover practical strategies to combat overspending, including deleting shopping apps and reframing your mindset around money.

Gain valuable insights into identifying triggers for impulsive spending and learn how to cultivate mindful spending habits at any income level.

Don't miss out on this insightful discussion that can empower you to take control of your financial future.

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.

“If you are feeling a certain type of way around certain people, following certain accounts, or even getting certain emails, and you feel like it's causing you to spend money that you don't necessarily want to spend, then it's important to unsubscribe for emails, unfollow people on social media and identify what exactly is triggering you. Because once you identify that, it will make it easier for you to change how you respond to the trigger, right? It may still trigger you, but it makes it better once you identify and recognize why it's triggering you. You can change the way you respond to it to react in a healthier way.”
- Ashley Patrick

Do you wish you had a supportive group of women like you to connect with about money? Come join me for a Budget Bestie Meetup on The Money Mindset Podcast, and let's learn and grow as a community! You can sign up at www.budgetsmadeeasy.com/meetup.

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

Book Recommendation:

• Atomic Habits by James Clear
  

Resources and Links Mentioned:

• Book your Budget Bestie Meetup episode here-> www.budgetsmadeeasy.com/meetup

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy
• Find the video on YouTube at https://youtu.be/JN8UBvOnsH8

Explore practical tips on preparing for meetings, optimizing your coach's guidance, and maintaining momentum between sessions. Learn how to advocate for personalized strategies tailored to your financial journey and discover the key elements of effective coaching relationships.

Tune in to equip yourself with the insights needed to make the most of your financial coaching experience.

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.

“It's important that the strategy lines up with your life and making sure it's realistic for you to do because otherwise you're setting yourself up for failure. So you want a coach that's gonna help you set yourself up for success and that means tailoring a plan for you.”
- Ashley Patrick

Ready to take control of your finances with personalized support? Introducing the Confident Money Mastermind – JUST FOR YOU!

This exclusive program is designed for individuals who want to make lasting financial changes with the guidance of 1:1 coaching and a supportive community, helping them save, pay off debt, and achieve their financial goals.

Our small group format guarantees tailored support and accountability. With only 10 spots available, apply now at www.budgetsmadeeasy.com/mastermind to secure your spot and begin your journey to financial confidence!

Resources and Links Mentioned:

• Join us inside the Confident Money Mastermind at www.budgetsmadeeasy.com/mastermind
• Grab your Budget Starter Kit here: www.budgetsmadeeasy.com/start

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Learn simple tips for organizing your finances and communicating about money with your partner, and gain practical advice to feel confident about your financial journey.

Listen to uncover how a money coach can help you take charge of your money and plan for success.

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.

“A money coach can really help you build your confidence so that you don't stay stuck and you keep moving forward. And really, that is truly the most important thing. It doesn't matter how fast you make progress, right? It's kind of like the tortoise and the hare. As long as you keep going, you don't have to sprint and then wear yourself out. As long as you go slow and steady, you're going to get there.”
- Ashley Patrick

Ready to take control of your finances with personalized support? Introducing the Confident Money Mastermind – JUST FOR YOU!

This exclusive program is designed for individuals who want to make lasting financial changes with the guidance of 1:1 coaching and a supportive community, helping them save, pay off debt, and achieve their financial goals.

Our small group format guarantees tailored support and accountability. With only 10 spots available, apply now at www.budgetsmadeeasy.com/mastermind to secure your spot and begin your journey to financial confidence!

Resources and Links Mentioned:

• Join us inside the Confident Money Mastermind at www.budgetsmadeeasy.com/mastermind

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Learn why understanding your financial needs is crucial and how a trusted advisor can tailor strategies to fit them. Whether you face challenges in implementing financial plans or seek validation for your approach, recognizing the role of a money coach can empower your financial decisions.

Tune in for valuable insights on enhancing your financial journey with the right support system.

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.

“A money coach can also help you when you know generally what to do and you will follow through with it. They can also help you make sure that what you're doing aligns with your goals and is right for you because general financial advice is great for the majority of people, but it doesn't mean that it's a hundred percent right for a hundred percent of people, right? So your situation may be a little different and it's really good to have another set of eyes on your situation and make sure that your plan fits with your lifestyle and it fits with your values and it fits with your goal.”
- Ashley Patrick

Ready to take control of your finances with personalized support? Introducing the Confident Money Mastermind – JUST FOR YOU!

This exclusive program is designed for individuals who want to make lasting financial changes with the guidance of 1:1 coaching and a supportive community, helping them save, pay off debt, and achieve their financial goals.

Our small group format guarantees tailored support and accountability. With only 10 spots available, apply now at www.budgetsmadeeasy.com/mastermind to secure your spot and begin your journey to financial confidence!

Resources and Links Mentioned:

• Join us inside the Confident Money Mastermind at www.budgetsmadeeasy.com/mastermind

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

We'll explore the role of money coaches, providing day-to-day support with budgeting, overcoming financial obstacles, and staying accountable to your goals. Discover the importance of finding a coach whose values align with yours and learn key questions to ask in your search.

Join us in the next episode as we discuss when it's time to hire a money coach and when to navigate financial challenges independently.

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.

“A money coach really helps you in the day-to-day money management 'cause that's where things are gonna change. You're not gonna make changes with a few things here and there through the years. You can make some small changes of course, but if you wanna make fast changes and really hit those goals, a money coach can help you stay on track even when it feels tough, even when you feel like giving up, even when it feels like the whole world is against you. A coach is there in your back pocket to help push you along the way and support you when you do need a break.”
- Ashley Patrick

Ready to take control of your finances with personalized support? Introducing the Confident Money Mastermind – JUST FOR YOU!

This exclusive program is designed for individuals who want to make lasting financial changes with the guidance of 1:1 coaching and a supportive community, helping them save, pay off debt, and achieve their financial goals.

Our small group format guarantees tailored support and accountability. With only 10 spots available, apply now at www.budgetsmadeeasy.com/mastermind to secure your spot and begin your journey to financial confidence!

Resources and Links Mentioned:

• Join us inside the Confident Money Mastermind at www.budgetsmadeeasy.com/mastermind
• Grab your Budget Starter Kit here: www.budgetsmadeeasy.com/start

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

We often set ambitious resolutions, only to find them slipping away by February. But 2024 can be different with a realistic and simple plan.

Join us in this episode as we explore how to set achievable financial goals, stay motivated, and take practical steps to make your 2024 financial dreams a reality.

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.

“When you set yourself up for success by making small changes over time, you will be able to do these things and you will be able to reach those goals and those New Year's resolutions to help set you up for success and kickstart the new year.”
- Ashley Patrick

Timestamps:
00:00 - Setting realistic resolutions for 2024
01:44 - The Kickstart 2024 bundle
04:18 - Planning S.M.A.R.T. goals
05:40 - Creating an actionable plan with the 2024 Action Planner
07:23 - Importance of creating a priority list for your goals
08:03 - Shifting the Mindset that anything is possible temporarily
09:02 - Why your goals need to be worth the sacrifice

Ready to Finally Pay Off Debt and Actually Save Money in 2024.... without all the overthinking and procrastination? Kickstart your best year ever with the Kickstart 2024 Bundle! Go to www.budgetsmadeeasy.com/kickstart to grab your bundle today!

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:

• Kickstart 2024 Bundle: www.budgetsmadeeasy.com/kickstart

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Things have changed, and now you can get a free report every week from each credit bureau in the US. We're here to guide you on the best way to use this free service without making it a weekly chore.

Let's explore together how often you should really be keeping an eye on your credit and why it matters for your financial well-being.

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.

“It's important to check it periodically. Put a freeze on your credit report so that, hopefully, new charges aren't brought, but it's not foolproof, like I said. Know your rights because consumer protections are there to help protect you. And so knowing what your options are when it comes to your credit score, your credit report is very important.”
- Ashley Patrick

Timestamps:
00:54 - Introduction
01:34 - Frequency recommendations
03:02 - Checking your credit report regularly
05:01 - The importance of knowing your rights
07:51 - Freezing your credit report
10:55 - Implementing a routine
11:37 - Wrapping up and actionable steps

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

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:

• Check your reports at www.AnnualCreditReport.com
• Grab your FREE Budget Starter Kit at www.budgetsmadeeasy.com/start

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Learn to create a sustainable routine that ensures you keep progressing, even when motivation wanes. Tune in for practical tips on setting a productive schedule, staying accountable, and turning your financial actions into habits that you can execute on autopilot.

Say goodbye to procrastination and hello to a sustainable money routine that works for you!

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.

“The more you can create that structure to your habits and your routines, the better off you're going to be in the long run because it's gonna keep you consistent, it's gonna keep you moving forward even when you are struggling. It really takes out the confusion and the overwhelm of what to do because you already have that structure in place of what to do. And as long as you just keep putting one foot in front of the other and keep up with those habits and those routines that you start once, you don't have to use as much brain power to think about what you need to do”
- Ashley Patrick

Timestamps:
00:55 - Introduction to the importance of establishing a money routine
04:26 - Navigating consistency in habits and routines
05:35 - Exploring what works for you
06:42 - How to start a money routine
08:28 - Put it in your calendar
07:00 - Set yourself up for success
11:35 - Using a binder to set your financial goals
13:39 - Know what to work on by keeping a to-do list
16:03 - Set a timer while working on your routine
17:06 - Make it fun and reward yourself
19:25 - Have an accountability partner
20:45 - Track your progress with a 15-minute weekly check-in

Do you need time, space, and accountability to take action on the things you KNOW you should be doing, such as budgeting so you can actually pay off debt, save money, make a meal plan, and all the other things that keep falling off your to-do list? Would you thrive in a supportive community of other busy moms who understand what you're going through and are working to achieve similar financial goals?

If that’s a YES, I invite you to sign up for the Money Success Club at www.budgetsmadeeasy.com/msc

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:

• Money Success Club: www.budgetsmadeeasy.com/msc

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Whether you're dealing with substantial debt, struggling to make ends meet, or seeking clarity on your financial priorities, we explore the question of whether you should continue tithing, even when it's challenging.

Join us for a reflective discussion that delves into the connection between faith, finances, and personal values.

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 don't feel bad, don't feel guilty if right now you need to pay off debt first because you're gonna be able to give back to your church and to your community in a lot bigger way once you are debt free. And in some ways it may even motivate you to do it even faster. Like if tithing is that important to you, use it as a motivator to get the debt paid off as fast as you can so that you can tithe and you can tithe more than what you are now.”
- Ashley Patrick

Timestamps:
00:55 - Introduction to the complex world of tithing
04:28 - Prioritizing your money: Tithing or debt payoff?
07:02 - Alternative ways to tithe when finances are tight
07:49 - Finding the motivation to become debt-free
09:41 - Directing your money toward your most important goals

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

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:

• Grab your FREE Budget Starter Kit at www.budgetsmadeeasy.com/start

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

We'll be discussing why parents should prioritize their financial well-being before helping their children. The debate between saving for retirement and college expenses is a hot topic, and Andy shares valuable insights and strategies for maintaining your financial stability while preparing your kids for the real world.

Don't miss this enlightening conversation!

Meet Andy!
Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.

Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger’s Personal Finance and NBC News. With millions of podcast downloads and video views, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world.

When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and relaxing on his hammock.

“We need to start making some decisions that are for our personal betterment because our kids have a resource that a lot of us don't have, is they have got a lot more time. They've got a lot more time on their side to build wealth, to take care of their future, to do the things they need to do to create the life that they have. So whether that's investing or earning their own money or choosing career paths that work best for them, they've got time on their side. We're a little older. We don't have as much time, maybe not as much energy either to make all these things happen. So we're gonna have to make some decisions that are really best for our personal future.”
- Andy Hill

Timestamps:
00:00 - Introduction to the episode
02:36 - Meet our special guest, Andy Hill from Marriage Kids and Money
04:01 - The importance of teaching kids to become independent
06:44 - Establishing boundaries with older children
09:32 - Teaching kids family and financial responsibilities
14:55 - Deciding between saving for college and retirement
19:18 - Last words of wisdom
23:12 - Resources for teaching children about money and financial planning
24:44 - Andy's book recommendation
26:30 - Connect with Andy

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

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:

• A free section of my new course Make My Kid a Millionaire!: www.marriagekidsandmoney.com/AshelyP
• Budget Starter Kit: www.budgetsmadeeasy.com/start

Book Recommendation:

• Die With Zero by Bill Perkins

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Andy:

• Website: www.marriagekidsandmoney.com
• Instagram: www.instagram.com/MarriageKidsandMoney
• Facebook: www.facebook.com/MarriageKidsandMoney
• Twitter: www.twitter.com/AndyHillMKM
• LinkedIn: www.linkedin.com/AndyHillMKM

Special Guest: Andy Hill.

Join us in this enlightening podcast episode as we have a conversation with Gabriella, a home design and building expert. We'll dive into the typical budget pitfalls that can swiftly turn your renovation dreams into a financial nightmare. Gabriella will share invaluable tips on how to prioritize your renovation projects and avoid these common budget traps.

Tune in for a dose of inspiration and practical advice that will assist you in turning your living space into a masterpiece, all while ensuring your wallet stays happy. Get ready to embark on your home renovation journey with confidence!

Meet Gabriella!

Gabriella, is an accredited interior designer and professional project manager that’s been in the design and construction industry for over 12 years designing and managing multi-million dollar residential projects, commercial spaces and hospitals. Gabriella teaches women how to create their dream home, the right way from the start, by combining the key design drivers and desires with the needed management tactics to build the home they’ve always dreamed about, without losing time, money, and their sanity in the process.

“In terms of really being able to plan accordingly and not end up in those moments where you're like, I've run outta money. The biggest tips that I can give you is to plan accordingly from a contingency fund and also create a reserve fund.”
- Gabriella Milgrom

Timestamps:
00:00 - Introduction: Meet Gabriella
03:57 - Redecorating and remodeling mistakes to avoid
08:24 - The importance of upfront planning
11:59 - Prioritizing renovation tasks and creating a budget hierarchy
15:50 - Dealing with unexpected expenses and preparing a contingency fund
25:11 - Understanding lead times and creating a project timeline
32:13 - Resources for those new to design and project planning
38:32 - Wrapping up the episode and final thoughts

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

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:

• House to Home challenge- free 3 week design challenge : https://www.gabriellamilgrom.co/house-to-home-challenge

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Gabriella:

• Website: http://www.gabriellamilgrom.co
• Instagram: http://www.instagram.com/gabriellamilgrom.co
• Youtube: https://www.youtube.com/channel/UCOZKmD6X_beABRiQ_4mIMBQ

Special Guest: Gabriella Milgrom.

Ashley uncovers the real reason behind procrastination and how fear often disguises itself as laziness.

Join her as she reveals how to break free from this mindset and get on the path to financial success.

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.

“It's not about doing things the right way from the beginning. You just have to get going and try different things. You just have to be willing to try and willing to get past the fear of failing or not doing it the right way because you're not gonna be able to succeed if you don't even try, right? So you're not lazy, you're not dumb, you just need to get started and quote unquote, get on the right track, right head in the right direction, which the right direction for you is wherever you want to go. There is no right or wrong when it comes to where you want to end up.”
- Ashley Patrick

Timestamps:
00:00 - The Truth About Procrastination
00:48 - Being an overthinking perfectionist
02:06 - There is no right or wrong way
03:15 - Figuring out what will work for you
04:55 - The empowering community of Money Success Club

Do you need time, space, and accountability to take action on the things you KNOW you should be doing, such as budgeting so you can actually pay off debt, save money, make a meal plan, and all the other things that keep falling off your to-do list? Would you thrive in a supportive community of other busy moms who understand what you're going through and are working to achieve similar financial goals?

If that’s a YES, I invite you to sign up for the Money Success Club at www.budgetsmadeeasy.com/msc

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:

• Money Success Club: www.budgetsmadeeasy.com/msc

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Join Ashley on this enlightening episode of the Money Mindset Podcast as she breaks down the damaging mindsets that can hinder your financial success. Discover why you're not alone in facing these challenges and how you can overcome them to take control of your money.

Get ready for a shift in perspective that will empower you to make positive changes in your financial life!

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 want you to know that you aren't struggling with your finances because you are lazy, dumb, or too old, but those thoughts and mindsets about yourself and those things that you think about yourself that are negative are holding you back from reaching your financial goals.”
- Ashley Patrick

Timestamps:
00:00 - Money Success Club success story
02:16 - The impact of negative financial mindsets
03:11 - Addressing common negative beliefs about money
04:22 - Real-life transformation: Kelly's journey to financial success
07:06 - How to take control of your finances

Do you need time, space, and accountability to take action on the things you KNOW you should be doing, such as budgeting so you can actually pay off debt, save money, make a meal plan, and all the other things that keep falling off your to-do list? Would you thrive in a supportive community of other busy moms who understand what you're going through and are working to achieve similar financial goals?

If that’s a YES, I invite you to sign up for the Money Success Club at www.budgetsmadeeasy.com/msc

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:

• Money Success Club: www.budgetsmadeeasy.com/msc

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Join us in this insightful episode as we delve into the mindsets of quick fixes versus long-term financial strategies. Discover the pros and cons of each approach and how they impact your financial journey and overall life.

Tune in to learn why recognizing the need for a quick fix is just the beginning, and how embracing a long-term strategy can lead to lasting financial freedom and personal growth.

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.

“But I want you to start thinking about things with that long-term strategy in mind instead of the day to day, what do I need to do today to get me through to tomorrow? And when you can have that shift, and I realize that takes time and to a certain extent takes a little bit of privilege, but even just mentally preparing yourself like anybody can do that, right? It is going to set you up for that long-term strategy so that you can see the opportunities when they present themselves. So when things come up, you are making a decision based on the long-term instead of the quick fix that is not gonna really help your situation overall, but it feels like it is.”
- Ashley Patrick

Timestamps:
00:54 - How to join the Money Roadmap to Freedom
01:53 - Introduction to the episode
02:21 - The Temptation of Quick Fixes
03:59 - Examples of Quick Fixes
04:51 - Understanding the significance of Long-Term Strategy
05:16 - Examples of Long-Term Strategy
06:17 - The Power of Long-Term Strategy
10:39 - The importance of having a support system
11:38 - Setting Boundaries around your money
14:01 - Changing jobs for a Long-Term Strategy
16:19 - Final words of wisdom

If you want to join us for the Money Roadmap to Freedom 5 part DRIVE Framework training series save your seat at www.budgetsmadeeasy.com/training

I can't wait to see you there!

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:

• Money Roadmap to Freedom Bootcamp: www.budgetsmadeeasy.com/training

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Cara, the creator and founder of "A Purpose Driven Mom," previously talked about productivity and prioritizing time and money in episode 53. Today, she shares how she and her husband, both teachers, managed to pay off a couple hundred thousand dollars in debt despite facing job losses along the way. Cara's story is a realistic and inspiring example of how financial goals can be achieved through perseverance and smart money management.

Tune in to hear her tips and insights on staying focused, navigating financial challenges, and making progress towards becoming debt-free.

Meet Cara!
Cara is a wife, mom to a 16-year-old stepson, 7-year-old daughter, 5-year-old son, and a woman of God. She works as a productivity coach for work at home moms and her mission is to provide women with the tools, resources, and community to reach their goals, empower themselves, find their happiness, and live a life by design. She does this via her blog, podcast "The Purpose Driven Mom Show", virtual community groups, and e-courses that help moms figure out how to grow and scale a business without hustle, shame, or guilt

“So I always, always say before you jump in, take a pause and go into this baseline and add in that dream phase while you're going through, while you're acknowledging the spending, while you're just paying attention. Start to think what would I do with this money if I didn't spend it on this? What would I like to do? Allow yourself to dream. I think a lot of times when we're in a lot of debt we feel like we can't dream about things like that cuz we don't deserve it, we didn't earn it. I'm so bad with my money already. I don't have the money for this. You deserve to dream, you deserve to make goals. But like when you start to like think about it and open your brain up to it, your brain will start to see other possibilities of it and it starts to become realistic. If you don't ever allow yourself to dream, then your brain is gonna shut off there.”
- Cara Harvey

Timestamps:
00:00 - Introduction to today's episode
05:59 - Meet Cara!
07:20 - Cara's financial journey
17:05 - Balancing roles and tracking in financial planning
21:09 - App for expense tracking and category management
21:44 - The importance of finding a system that works for you and your partner
28:12 - Balancing smaller financial goals and bigger financial goals
32:44 - Preparing for potential income loss and unexpected financial challenges
35:10 - Starting with a baseline and creating realistic goals
40:24 - Cara’s book recommendations
42:04 - Where to follow Cara
42:34 - Last words of wisdom

If you need help paying off your debt, go to www.budgetsmadeeasy.com/debt for your Paying Off Debt Starter Kit. This will help you really get going on your journey to longer-term investing strategies.

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.

Book Recommendation:

• The 15 Minute Formula: How Busy Moms Can Ditch the Guilt, Say Yes to What Matters and Conquer Their Goals by Cara Harvey
• Drive Your Own Darn Bus by Julia Kristina

Resources and Links Mentioned:

• Paying Off Debt Starter Kit: www.budgetsmadeeasy.com/debt

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Cara:

• Podcast: https://podcasts.apple.com/us/podcast/purpose-driven-mom-show/id1465377461
• Facebook Page: https://www.facebook.com/cara4384
• Facebook Group: https://www.facebook.com/groups/findyourawesome/
• Instagram: https://www.instagram.com/apurposedrivenmom/
• Youtube: https://www.youtube.com/channel/UC3rmBh--3wrq9nEOs2ZcCYg

Discover why setting realistic expectations for consistency is crucial in your financial journey. Ashley emphasizes the importance of getting it mostly right, most of the time, rather than striving for perfection. Learn how to redefine consistency and stay motivated on your path to paying off debt.

Don't miss out on this insightful episode that will transform your perspective on consistency and help you achieve your 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.

“That is what consistency is. It's getting it mostly right most of the time. You're not gonna be able to do something a hundred percent, a hundred percent of the time forever. Like it's not realistic. And so when you have realistic expectations of your habits and your routines and consistency, you'll realize that you're doing okay. And that is a big part of sticking with the journey of paying off debt, is when you realize that you can just make some shifts in your mindset and you'll be able to keep yourself going. Cuz that is the most important thing, is if you don't give up. And so consistency and having a realistic expectation of yourself and what consistency actually looks like is the most important thing, right?”
- Ashley Patrick

Timestamps:
01:25 - Introduction to the final day of the Debt Series
02:10 - Redefining consistency and understanding its true meaning
04:26 - Embracing realistic expectations to stay on track
05:49 - Invitation to the Debt to Wealth Bundle

Are you a busy mom who is tired of struggling with money and ready to pay off debt? It's time to take control of your financial future and build a legacy worth leaving your children. Introducing the highly anticipated Debt to Wealth Bundle!

This carefully curated collection of 20+ products is specifically designed for overwhelmed moms who are ready to make more money, pay off debt, and build wealth without sacrificing valuable time with their family. You can achieve your goals without spending thousands of dollars to get it done.

Get the Debt to Wealth Bundle today and start paying off debt and building a brighter financial future for yourself and your family!
🔗 Visit www.budgetsmadeeasy.com/debttowealthbundle and grab your bundle now!

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:

• Learn more about the Debt to Wealth Bundle here-> www.budgetsmadeeasy.com/debttowealthbundle

• Find the video on YouTube at https://youtu.be/HaUR5iVT32A

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Discover how creating a vision board and mapping out your goals can provide the motivation and focus needed to achieve financial freedom.

Don't miss out on this valuable episode that will help you stay inspired on your debt payoff journey.

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.

“You know, really embrace the goal and that will help you believe that it's possible because you may not even be to the point where you believe you can do it, right? And that is a process in and of itself. And once you kind of get going, you're gonna be able to see that you can do it and how quickly you can do it.”
- Ashley Patrick

Timestamps:
01:17 - Introduction to Part 3 of the Debt Series
02:00 - The significance of having a clear vision and goal
04:58 - Creating visual reminders to keep you motivated
06:40 - Announcement: FREE training on How to Pay Off $500 in Debt in 30 Days

Tired of Living Paycheck To Paycheck? Want to Pay Off $500 Next Month? I've got just the thing for you! This FREE Workshop will teach you How to Pay Off $500 in Debt in 30 Days without selling a kidney or robbing a bank! Go to www.budgetsmadeeasy.com/workshop and register today!

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:

• Learn more about the Debt to Wealth Bundle here-> www.budgetsmadeeasy.com/debttowealthbundle

• How to Pay Off $500 in 30 Days: www.budgetsmadeeasy.com/workshop

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Discover the power of understanding how quickly you can pay off your debts and the motivation it brings. Ashley shares a user-friendly calculator that simplifies the process, allowing you to explore various scenarios and see the impact of extra payments. Tune in as she guides you through the calculation and highlights the importance of staying consistent on your debt-free journey.

Don't miss out on valuable insights and practical tips to accelerate your progress. Join Ashley and take control of your financial future.

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.

“But keep in mind you just gotta start, right? You gotta start, you've got to find ways to keep going, find ways to save money, all of those things. But it starts with just one thing cuz you, you know, you can get overwhelmed really quickly and it's important to just keep going. That is really the most important thing.”
- Ashley Patrick

Timestamps:
01:18 - Introduction to episode two of the Debt series
5:55 - Sample numbers of debt payment using different methods
08:18 - The power of manifestation and being intentional with your finances
14:19 - Preview of upcoming episodes and topics in the Debt Series

Are you a busy mom who is tired of struggling with money and ready to pay off debt? It's time to take control of your financial future and build a legacy worth leaving your children. Introducing the highly anticipated Debt to Wealth Bundle!

This carefully curated collection of 20+ products is specifically designed for overwhelmed moms who are ready to make more money, pay off debt, and build wealth without sacrificing valuable time with their family. You can achieve your goals without spending thousands of dollars to get it done.

Get the Debt to Wealth Bundle today and start paying off debt and building a brighter financial future for yourself and your family!
🔗 Visit www.budgetsmadeeasy.com/debttowealthbundle and grab your bundle now!

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:

• Learn more about the Debt to Wealth Bundle here-> www.budgetsmadeeasy.com/debttowealthbundle
• Undebt.it referral link: https://undebt.it/?ref=423

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy
• Find the video on YouTube at https://youtu.be/Ti7GfxBzCVo

In this first episode, Ashley emphasizes the importance of knowing where you're starting and understanding your total debt. Discover practical tips for organizing your debt and tracking your progress along the way.

Get ready to take control of your finances and make meaningful strides towards a debt-free life.

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 do want you to start by knowing your big number, the first number, because it's going to be important later on. It's going to be important when you are feeling stuck and feeling like you're not making any progress. You can look back and see where you started and how much progress you actually have made, because this is going to happen somewhere along your journey. And you want to know how far you really have come, because you're gonna feel discouraged at certain times. It's not gonna just be all happy and magical and you're just gonna get through it and be debt free. Yay. There's gonna be ups and downs, there's gonna be seasons… and so you've really got to like know the number of where you're starting so that you can celebrate along the way of how much progress you have made.”
- Ashley Patrick

Timestamps:
01:18 - Introduction and the significance of paying off debt
02:59 - Why knowing your starting point is crucial
05:26 - Day 1: Writing down or printing off your debt
06:44 - Announcement and details of the upcoming Debt to Wealth Bundle

Are you a busy mom who is tired of struggling with money and ready to pay off debt? It's time to take control of your financial future and build a legacy worth leaving your children. Introducing the highly anticipated Debt to Wealth Bundle!

This carefully curated collection of 20+ products is specifically designed for overwhelmed moms who are ready to make more money, pay off debt, and build wealth without sacrificing valuable time with their family. You can achieve your goals without spending thousands of dollars to get it done.

Get the Debt to Wealth Bundle today and start paying off debt and building a brighter financial future for yourself and your family!
🔗 Visit www.budgetsmadeeasy.com/debttowealthbundle and grab your bundle now!

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:

• Learn more about the Debt to Wealth Bundle here-> www.budgetsmadeeasy.com/debttowealthbundle

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy
• Find the video on YouTube at https://youtu.be/NF-i-QQIoSc

In this episode, Ashley reflects on the importance of building a financial foundation that supports your family's future and shares practical tips for organizing your finances and planning for the years ahead.

Gain insights on how you can leave a lasting impact and ensure the well-being of your loved ones even after you're no longer here.

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.

“It's just, it's a lot to deal with when you're already dealing with the grief of losing somebody that you love that's been in your life, your entire life. When you can make that easier for your family, it helps everybody. And so when we get our finances together, you can make that transition a little bit easier and leave a legacy as a good example for your children or grandchildren of what they should do.”
- Ashley Patrick

Timestamps:
01:17 - Introduction to today's episode
02:16 - The Debt to Wealth Bundle
04:46 - Reflecting on the legacy you want to leave
09:52 - Leaving a legacy beyond financial matters
11:11 - Organizing your affairs for a smoother transition
19:16 - Preview of upcoming episodes and events

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Join us in this Budget Bestie Meetup episode as we dive into the world of travel budgeting. Ashley shares her recent experience of planning her first international trip and the valuable lessons she learned along the way. Discover the significance of early planning, unexpected costs, and how personal factors can impact your travel budget.

Whether you're a seasoned traveler or embarking on your first adventure, this episode will provide you with valuable insights to help you budget for your next trip.

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, even with the best of intentions and planning, things can go wrong. Things can be way more expensive than you thought or planned or expected even if you did your due diligence ahead of time. So don't beat yourself up about it, deal with it when you get home and try and plan better in the future.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to the podcast episode and the topic of travel budgeting
01:12 - The Side Hustle Academy
04:31 - How to join the Budget Bestie Meetup
05:46 - The importance of early planning and researching travel costs in advance
19:39 - Breaking down what to include in your budget when traveling
31:03 - Tips and strategies for budgeting for travel
50:21 - Sharing wins for the month
01:04:30 - Final words of wisdom

Do you wish you had a supportive group of women like you to connect with about money? Come join me for a Budget Bestie Meetup on The Money Mindset Podcast, and let's learn and grow as a community! You can sign up at www.budgetsmadeeasy.com/meetup.

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:

• Book your Budget Bestie Meetup episode here-> www.budgetsmadeeasy.com/meetup

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

• Find the video on YouTube at https://youtu.be/LnQluXlH4Sw

In this episode of the Money Mindset podcast, we'll explore why you don't have to carry the burden alone. Join Ashley as she delves into effective strategies and tips to get your family on board with the finances. Discover how to let go of control, involve your family, and effectively communicate your needs. Learn practical tips, strategies, and inspiring ideas that have worked for others. It's time to embrace the power of teamwork and alleviate the stress of managing finances single-handedly.

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.

“You definitely should find some ways that they can help you because it's not just the time to sit down and do the things that you know you need to do with your finances, it's also the mental load. And guess what? I know you are already handling the mental load for maybe everything in your family, if not the majority of the things. So it's okay to help spread that load out and relieve yourself of some of that and get rid of some of the guilt surrounding that as well.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to today's episode
02:20 - Overcoming perfectionism and fear of relinquishing control
04:05 - Teaching children about money and involving them in financial decisions
06:18 - Involving your partner with managing the finances
09:45 - Maintaining focus on the end goal
13:07 - The significance of visual aids and setting specific end dates for goals
15:30 - Tips on how to approach your family to get their help and get them on board

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 budgetsmadeeasy.com/strategy 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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

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

Timestamps:
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 www.budgetsmadeeasy.com/strategy 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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Tune in to this episode of the Budget Bestie Meetup where Ashley from The Money Mindset Podcast discusses what to do when you get a big tax refund or bonus and shares some tips for making the most of it. Ashley will also share some practical advice on how to handle these types of unexpected financial gain and use them wisely to reach your 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 when you have some money coming in, I really want you to focus on the priority list for you. And that's gonna look different for other people. So it could be focusing on the savings funds, like I talked about. It could be focusing on some debt that you can knock out and just make sure that you have it a list, like a visual, you've thought it through hopefully before you get the money. So like if it's something that you're expecting that usually comes once a year or a tax refund that you're expecting and you have a rough idea of what it should be or tax return, you know what it's going to be, go ahead and prioritize where you want the money to go. And it's okay to spend some money on yourself or things that you've been putting off as long as that is the priority for you.”
- Ashley Patrick

Timestamps:
01:18 - Introduction to the episode
03:33 - Importance of planning and creating a priority list for the extra money
04:36 - Examples of expenses that can be covered with the extra money
05:18 - Option to pay off debts
06:27 - The Impact method
10:08 - Importance of planning and thinking ahead regarding where your money is going
13:01 - Sharing wins and accomplishments in managing finances, such as paying taxes, meal planning, and having an emergency fund in your budget
32:37 - How to join the Budget Bestie Meetup

Do you wish you had a supportive group of women like you to connect with about money? Come join me for a Budget Bestie Meetup on The Money Mindset Podcast, and let's learn and grow as a community! You can sign up at www.budgetsmadeeasy.com/meetup.

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:

• Book your Budget Bestie Meetup episode here-> www.budgetsmadeeasy.com/meetup

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

• This episode can also be viewed on YouTube at https://www.youtube.com/live/ZGD4HsJW3lY?feature=share

In this episode of the Money Mindset podcast, Ashley tackles one of the biggest obstacles that many people face when it comes to their finances: feeling overwhelmed and unsure where to start. If you're struggling to prioritize your bills and debt payments, or if you need help figuring out what to focus on first, then you won't want to miss this episode.

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 whatever you gotta do to get yourself excited about the process is what you need to do. So don't worry about following a certain order when it comes to paying off your debt. Don't overthink it. It's not gonna be perfect, right? And you don't have to do it in any kind of perfect way. That's the beauty about personal finance and money coaching. You don't have to do it one specific way.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to today's episode
03:00 - What to prioritize first
03:56 - Prioritizing your needs
06:46 - Prioritizing your wants
07:23 - Prioritizing your debt

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 www.budgetsmadeeasy.com/strategy

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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

In this episode of the Money Mindset podcast, Ashley shares the best personal financial advice she's ever received and explains how it has helped her and her family set up a plan for long-term wealth building. She will also provide actionable tips for managing your finances, including advice on saving, developing habits and routines, and more.

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.

“And that's the biggest thing when you set up these habits and these routines early on, even when life comes and you make some mistakes along the way, you can soften the blow and really just keep going and you still have that momentum when you have that cushion. And it's just easier to start the longer you are. But of course if you're older and you're listening, it's okay. Like you can start now.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to today's episode
01:13 - The importance of paying yourself first
03:38 - The benefits of automating your savings
04:58 - Saving money with each paycheck
05:54 - Establishing good habits and routines for saving
07:11 - Actionable steps to improve your financial situation

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 www.budgetsmadeeasy.com/strategy

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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

It's common to feel like you've missed the opportunity to achieve financial success as you get older, but the truth is that it's never too late to start taking control of your finances.

In this episode, Ashley challenges these beliefs and shares some practical ways to shift your mindset so you can start taking action towards your 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.

“In my opinion, of course this is just my opinion, it is more important to focus on getting your bills lowered as you move into retirement. Because more than likely your income will be lower if you haven't been able to save up to that point. And if you have been able to save, awesome, then you can focus on paying off debt more than saving more because you've already got enough saved.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to the episode
00:52 - The Implementation Day Workshop
02:08 - The mindset of feeling too old to pay off debt, save for retirement, and do the things that one wants to do
04:11 - Adjusting your priorities as you get older
08:29 - Last words of wisdom
10:36 - How to join the Implementation Day Workshop

Are you tired of procrastinating on your finances and neglecting your debt? Do you often find yourself making excuses for why you can't pay off your debts yet? If so, it's time to put an end to it and take action with our Debt Pay Off Plan Workshop - Implementation Day!

If you're struggling to get started with a debt pay off plan or constantly making excuses for why you can't do it right now, this workshop is perfect for you. Head over to https://leads.budgetsmadeeasy.com/implementation-day-debt-plan-april-2023/ and register today!

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:

• Debt Pay Off Plan Workshop - Implementation Day: https://leads.budgetsmadeeasy.com/implementation-day-debt-plan-april-2023/

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Listen to this episode to find out as Ashley delves into the topic of paying off debt and emphasizes the importance of making consistent payments to achieve financial freedom. She provides a clear breakdown of the numbers to demonstrate how an extra $100 per month can significantly impact debt pay off. Additionally, Ashley gives an example scenario to illustrate the importance of consistent payments towards 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.

“When you are intentional and you are sending extra money to debt, which method you use does not make a difference. It might, if it's taking you a long, long time and you're starting and stopping and all of those things, it could make a difference. But when you are being really intentional about it, it doesn't make a difference. Like it really doesn't.”
- Ashley Patrick

Timestamps:
03:35 - Introduction to the episode's topic
05:00 - Discussing the potential impact of making $100 towards debt each month
09:21 - Example scenario with three credit cards using the debt snowball method
13:34 - Comparison between the debt snowball and debt avalanche methods
19:43 - Celebrating wins
30:46 ­- Using tax refund to pay off credit card

Do you wish you had a supportive group of women like you to connect with about money? Come join me for a Budget Bestie Meetup on The Money Mindset Podcast, and let's learn and grow as a community! You can sign up at budgetsmadeeasy.com/meetup.

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:
Book your Budget Bestie Meetup episode here-> www.budgetsmadeeasy.com/meetup

Connect with Ashley:
Instagram: www.instagram.com/budgetsmadeeasy

In this podcast episode, Ashley discusses the idea of using "I deserve it" as a justification for spending money that you cannot afford. She explains how making emotional decisions and using this mindset can lead to financial struggles and debt. She also offers tips on how to change your mindset around spending and make more logical financial decisions based on what you can afford.

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 instead of justifying spending money because you deserve it, flip that mindset into, I deserve to stay focused on my goals because I work hard and I deserve to be able to not stress about money and do the things that I want to do in life. When you really believe that you are worthy and you deserve better, your life will start to change.”
- Ashley Patrick

Timestamps:
00:00 - What today's episode is about
00:59 - The Money Mindset Podcast giveaway
01:35 - The 'I deserve it' mindset
03:18 - Making decisions based on emotions
06:23 - Deserve is not a currency
07:44 - Switching your mindset
11:47 - The Implementation day workshop

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 www.budgetsmadeeasy.com/strategy

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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

In this podcast episode, Ashley reflects on her journey to another milestone for the Money Mindset Podcast and shares her thoughts on the importance of taking action and not waiting for the perfect moment to begin working toward one's 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.

“All those things that you can look back now and see that maybe you could have done things a little bit differently. Who knows if you would've done things differently, you wouldn't be where you're at today. And the only thing you can do is change what you do today and then tomorrow make new choices and change what you do tomorrow. You can't change what you've done in the past, and yet the past holds us back so, so much. And I just wanted to jump on and encourage you today to just keep going. Don't wait for things to be perfect, because they never will be. They just won't.”
- Ashley Patrick

Timestamps:
00:00 - Another milestone for the Money Mindset Podcast
00:38 - The journey and the process of getting to our goals
01:49 - Just keep going
02:13 - Don't focus on the past
04:25 - Taking the first step
05:46 - The Money Mind Podcast giveaway

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 www.budgetsmadeeasy.com/strategy

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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Paying off 0% interest debt first can be a dilemma for some people. While it may seem logical to pay off high-interest debt or the smallest balance first, there are situations where paying off 0% interest debt makes more sense.

In this episode, Ashley will discuss when it may be beneficial to pay off 0% interest debt before high-interest debt or the smallest balance debt, and how to determine if this strategy is the right choice for your individual financial situation.

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.

“General advice, you know, the debt snowball method, which is focusing on the smallest balance works for most people and a lot of different situations, but it's not a one size fits all. Right? And so sometimes we want to follow the rules so to speak and do things the right way, but that's not always the case because we have different situations. So it's okay to deviate from the plan to fit your situation better.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to today's episode
01:46 - Meet Jen
05:46 - Feeling stuck and falling behind
07:21 - Paying off 0% interest debt first
10:36 - Building up an emergency fund
11:22 - Jen's 24 hour action steps
16:18 - Paying by paycheck
18:18 - 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 Budget Strategy Session on The Money Mindset Podcast! Sign up at www.budgetsmadeeasy.com/strategy

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:

• Money Success Club waitlist - www.budgetsmadeeasy.com/msc
• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Before deciding to use a debt relief company, there are a few things to consider. Listen in as Ashley discusses some of these points and offers some guidance to help you make the right choice.

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 definitely before you commit to any kind of debt relief program, know your numbers so that you can make the best decision for you and you need to know your options and when you know your numbers and know what you can actually afford, things will get clear and you'll be able to make a more informed decision.”
- Ashley Patrick

Timestamps:
01:17 - The Budget Bestie Meetup
03:10 - Should you use a debt relief company?
06:03 - Debt relief scams
06:47 - How it affects your credit score
09:47 - Talk to a bankruptcy attorney
10:46 - Do your research
12:04 - Know what the tax implications are
13:04 - Have a money plan
15:59 - About credit score
23:40 - Wins for February
31:24 - How to sign up for a Budget Bestie Meetup

Do you wish you had a supportive group of women like you to connect with about money? Come join me for a Budget Bestie Meetup on The Money Mindset Podcast, and let's learn and grow as a community! You can sign up at www.budgetsmadeeasy.com/meetup.

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:
Book your Budget Bestie Meetup episode here -> www.budgetsmadeeasy.com/meetup

Connect with Ashley:
Instagram: www.instagram.com/budgetsmadeeasy

The good news is that there are ways to take the pressure off and make debt feel less like a burden and more like something that you can look forward to getting rid of someday!

In this episode, Ashley will explain why having some "fun money" each month can give you the financial freedom to still do the things you enjoy without the stress of having to pay off your debts.

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.

“If you have a lot of debt and it's gonna take you a couple years to pay it off and if you like having your hair nails done, that's not something that you're gonna put off for years, right? Like you're gonna still get your hair done, you're still gonna get your nails done. And so you just have to make a plan for that. As long as you have the money in your budget that you can send to that, I'm okay with it. Now if you're going into debt to pay for these things, that's a little different, right?”
- Ashley Patrick

Timestamps:
00:29 - Introduction to today's episode
02:16 - Setting money aside on wants
03:33 - Losing motivation to keep going
05:11 - Making small changes overtime and managing your money in a realistic way
06:30 - Creating a realistic plan
08:29 - Building habits and routines
09:03 - Make extra money
12:48 - Figure out what will work for you
13:45 - Coming up on the podcast

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 www.budgetsmadeeasy.com/strategy

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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Well, chances are our parents weren't taught much about money, either! In fact, it's possible that they haven't even learned the most basic financial lessons themselves.

So, in today's episode, Ashley will go over some of the money lessons that our parents did not teach us about - but should have, such as making a realistic plan, planning ahead for non-regular expenses, and creating a plan for each paycheck.

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.

“A lot of times what I see is people make a plan, but it's based on everything going perfectly. And guess what? You're not perfect. And especially in the beginning, your plan is definitely not gonna be perfect. You are not gonna wake up a different person tomorrow. You are not going to be able to easily change your habits and behaviors overnight. Of course you can over time as you build new habits and new routines, yes you can change and you can make big change relatively fast, but it's not gonna happen overnight. And so a lot of times I see these plans that are not realistic at all based on you and your family and the things that you're already doing. It's based on this perfect idea of what you want things to be. And those are not, those are not gonna be the same, especially if you are just starting out with creating a money plan at all and sticking to a money plan at all. It's just not going to happen.”
- Ashley Patrick

Timestamps:
00:00 - The topic for today's episode
01:55 - Not making a realistic plan
03:45 - Not creating a plan for each paycheck
05:28 - Now planning ahead for non-regular expenses
07:34 - Not learning how to deal with overspending and addiction to online shopping
12:11 - Not paying yourself first
17:26 - How to have your own Budget Budget Strategy Session episode

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 budgetsmadeeasy.com/strategy 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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

If you are feeling like your money plan isn't working the way that you hoped it would, it may be because you are doing too much at once.

Listen in as Ashley discusses how to create a realistic money plan that will keep you from feeling stuck and getting overwhelmed.

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.

“So it's more important for the long-term success that you start small and just make it simple as possible so that you can follow through with it. If you make it complicated and a whole bunch of steps at once, you're not gonna make as fast a progress, if any progress because you're just too overwhelmed and trying to do too many new things at once. You wanna start with one small thing at a time.”
- Ashley Patrick

Timestamps:
00:26 - How to register for the Free workshop on 'How to pay off $500 in Debt in just 30 days'
00:58 - The topic of today's episode
01:47 - Do one thing at a time
02:34 - Plan for what was left after bills
03:51 - Creating a money plan
04:13 - Meal plan
05:37 - Cash envelopes
07:07 - Start small

Tired of Living Paycheck To Paycheck? Want to Pay Off $500 Next Month? I've got just the thing for you! This FREE Workshop will teach you How to Pay Off $500 in Debt in just 30 Days without selling a kidney or robbing a bank! Go to www.budgetsmadeeasy.com/workshop and register today!

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:

• How to Pay Off $500 in Debt in just 30 Days: www.budgetsmadeeasy.com/workshop

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Listen in today's episode, as Ashley discusses debt strategies with Christina, including what to do with her leftover money after paying all of her bills, how to allocate those funds, and what her options are for paying off her debt.

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.

“Well, it's overwhelming. And then you're like, I don't know what to do because I'm overwhelmed. And so when you just take it one step at a time, so just focus on the one debt you wanna pay off first, I find running the numbers motivating, especially if you have a good chunk each month that you could send to it and you see that number, you're like, oh, I can do that. It'll help get you going. It'll give you that momentum to get started.”
- Ashley Patrick

Timestamps:
00:00 - How to sign up for your Budget Strategy Session
00:38 - Introduction to today's episode
01:16 - Meet Christina
04:02 - Christina's financial struggle
06:23 - What to do with the money that is left over after paying bills
08:38 - Emergency and Sinking funds
09:44 - Having a buffer amount
11:13 - Deciding on your biggest financial goal
13:37 - Which debt to pay off first
17:01 - Focusing on one debt at a time
19:07 - Christina's 24 hour action step
19:34 - Impact, Debt Snowball, and Debt Avalanche method
23:07 - Planning your left over money where you want it to go

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 www.budgetsmadeeasy.com/strategy

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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Today I'm sharing the worst advice we followed that led to our biggest money mistake.....one that will cost us almost $1 MILLION.....yes million....dollars in our lifetimes.

But as with all mistakes and setbacks, there is a silver lining!

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.

“But you know, we all make mistakes and we learn from each other. So I would love to hear your biggest mistake and maybe you know, what you've learned from that mistake because that's where we really grow and that's where we make the biggest progress in our learning and our journey because we're like, hmm, never wanna do that again. Right? We learn more from our failures and our mess-ups than we do from our successes. And that's just how our brains work.”
- Ashley Patrick

Timestamps:
00:11 - The Money Success Club
00:57 - The topic of today's episode
02:52 - What made us take out a loan
05:33 - 401(k) loan
10:59 - The start of our debt free journey
12:40 - Tell us about your biggest financial mistake
14:22 - How to sign up for your own Budget Strategy Session episode

Do you need time, space, and accountability to take action on the things you KNOW you should be doing, such as budgeting so you can actually pay off debt, save money, make a meal plan, and all the other things that keep falling off your to-do list? Would you thrive in a supportive community of other busy moms who understand what you're going through and are working to achieve similar financial goals?

If that’s a YES, I invite you to sign up for the Money Success Club at www.budgetsmadeeasy.com/msc

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:

• Money Success Club: www.budgetsmadeeasy.com/msc
• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

The Budget Bestie Meetup is a free community meetup that brings together a supportive group of women to talk about money so that we can learn and grow as a community.

In this episode, we'll talk about how to start changing your behavior, how to put it into action, and how to incorporate habit stacking into your daily routine. In addition, we will also talk about the different methods to pay off your debt and share our wins for the month.

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.

“So you know, it's tracking your spending, like that is a behavior, it's a habit, it's a routine that we wanna build and create as we're trying to change our behavior. So it's not always the impulsive spending, it's not always the overspending, but it's the little things that we do on the day-to-day. Those habits and routines could also be said instead of behavior. But it is those little things of what we do with our finances. Not always the big things of overspending and you know, shopping way too much on Amazon. Of course that plays into it as well. But you know, mainly the habits and setting up the systems to really be successful in the long run.”
- Ashley Patrick

Timestamps:
01:18 - About the Budget Bestie Meetup
03:39 - Changing your behavior
07:31 - Implementing your habits and routines
18:14 - Renee's win
16:32 - How to include habit stacking to your daily routine
25:07 - Cindy's win
29:18 - Kristina's win
30:13 - About the snowball, impact, and debt avalanche method
36:58 - Word of the year
39:26 - Kathy's win
40:43 - Trinette's win
41:17 - Paying credit card balance using the snowball method
45:18 - Elizabeth's win
01:01:42 - How to sign up for the Budget Bestie Meetup episode

Do you wish you had a supportive group of women like you to connect with about money? Come join me for a Budget Bestie Meetup on The Money Mindset Podcast, and let's learn and grow as a community! You can sign up at www.budgetsmadeeasy.com/meetup.

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

Book Recommendation:

• Atomic Habits by James Clear

Resources and Links Mentioned:

• Book your Budget Bestie Meetup episode here-> www.budgetsmadeeasy.com/meetup

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

The problem is that making resolutions without a plan and sticking to it often leads to disappointment and failure. So how can you make sure you keep your resolutions this year?

Listen to this episode and learn the key steps you should take in order to make a New Year’s resolution that you can stick to!

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.

“You've just gotta keep going and know that, you know, failure is part of the journey, but so is success. You can't have one without the other. Believe it or not, they go together, right? And so you have to give yourself some grace and have patience with yourself and know that it is never going to be perfect. It's never gonna be perfect, so then the key is being patient with yourself, giving yourself some grace, keep going, don't give up.”
- Ashley Patrick

Timestamps:
00:00 - The topic of today's episode
01:08 - The key to sticking to your new year resolutions
01:55 - Giving yourself some grace
05:02 - Keep going and not mentally give up
05:51 - Creating SMART goals
10:37 - About the Money Plan Bootcamp

Starting and sticking to a money plan doesn't need to be overwhelming! Join my Money Plan Bootcamp where I'll teach you the 5 key steps for creating a money plan you can actually stick to...for FREE!⁣⁣ Go to www.budgetsmadeeasy.com/bootcamp and register today!

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:

• The Money Plan Bootcamp: www.budgetsmadeeasy.com/bootcamp

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

In this episode, Ashley discusses five budget mistakes to avoid in 2023 so that you can have a productive and successful year ahead such as not putting a deadline on tasks, expecting everything to go perfectly, not setting a baseline and mid-level goals, and more!

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're constantly feeling like you're failing because you can't be perfect and your money plan’s never gonna be perfect because that's life and we beat ourselves up and we get in this mental cycle of feeling like we failed because we're not perfect, but we're human. So we literally cannot be perfect. So you've gotta keep going. When bumps come along the way, along the road when there's bumps and life happens, you've gotta keep going. It's never gonna be perfect. But if you keep going, you will be successful. If you stop and quit and avoid, you're not gonna reach your big goals. So you have to keep going and not expect everything to go perfectly.”
- Ashley Patrick

Timestamps:
00:00 - What today's episode is about
00:25 - How to sign up for the Money Plan Bootcamp
03:04 - Not putting a deadline on tasks
04:37 - Expecting everything to go perfectly
06:14 - Not setting a baseline and mid-level goals
09:45 - Not being intentional
12:31 - Trying to do too much

Starting and sticking to a money plan doesn't need to be overwhelming! Join my Money Plan Bootcamp where I'll teach you the 5 key steps for creating a money plan you can actually stick to...for FREE!⁣⁣ Go to www.budgetsmadeeasy.com/bootcamp and register today!

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:

• The Money Plan Bootcamp: www.budgetsmadeeasy.com/bootcamp

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

This is Part 4 of our Q&A series, and I'll be answering some of the questions that Money Plan Bootcamp members have sent in.

Listen in as I answer the following questions: How to pay off debt and save while living paycheck to paycheck, How to get past guilt when the plan doesn't work out, and Can you start your monthly budget with the previous month's last paycheck?

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.

“Remember, focus on one thing at a time. Budget comes first, saving, then paying off debt. I know you wanna just dive in head first into paying off debt and get it out of your life. I love it when you are that excited about it. But you've gotta really cover the foundational stuff first so that you don't go back into debt later.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to today's episode
04:18 - How to pay off debt and save while living paycheck to paycheck
09:55 - How to get past the guilt when the plan doesn't go as planned
14:57 - Can you start your budget for the month with the previous month's last paycheck?
16:48 - How to join the Money Plan Bootcamp

Starting and sticking to a money plan doesn't need to be overwhelming! Join my Money Plan Bootcamp where I'll teach you the 5 key steps for creating a money plan you can actually stick to...for FREE!⁣⁣ Go to www.budgetsmadeeasy.com/bootcamp and register today!

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:

• The Money Plan Bootcamp: www.budgetsmadeeasy.com/bootcamp
• Send your questions here -> www.speakpipe.com/budgetsmadeeasy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Whether you're going back to school to pursue a bachelor's degree or looking to expand your career opportunities by furthering your education, it's never too late to study again.

Listen in as Katelyn, a career coach, guides others through the process so you understand your options and can make an informed decision. She also has some helpful tips and tricks for doing it for little to no cost to you!

Meet Katelyn
Katelyn is a non-traditional college student and college instructor that stopped and started her education at over ten schools over the last fifteen years. She amassed $60,000 in debt pursuing her undergrad, then found a better way, completed two master’s degrees where she profited $1800 through education benefits and scholarships, and now pursuing a doctorate which will cost her $0. All of this was completed on an accelerated timeline, while working a full-time job and 2 part time jobs, paying off over $100,000 in debt, and raising her three kids.

In her full-time job, Katelyn acts as a pseudo-career coach helping people in her organization to get qualified for their next role, finding low cost or no cost education programs, prepping resumes, and she teaches the job application process at a local university as a part of a career service orientation. Her mission and passion are helping people get qualified for their dream job without taking on mountains of debt.

“When you're looking to go back to school, whether you're traditional or non-traditional, you have to be an informed consumer and you have to be your own advocate. No one else is looking out for you, no one else has your specific goals and desires or passions. So make sure that you're researching, that you're finding things that are right for you. And also making sure that there's alignment between your career aspirations and the programs that you're going for.”
- Katelyn Shannon

Timestamps:
00:55 - Introduction to today's episode
03:01 - Meet Katelyn
14:18 - Be an informed consumer
15:42 - Do your research to find the right program that fits your career goals
19:17 - Check your employee benefits
20:20 - Scholarship and grant applications
23:23 - Credit Transfer
26:59 - Regional and national accreditation
33:43 - Regarding Katelyn's work in human resources
38:46 - How to stand out when applying for a Job
43:06 - Who should I speak with about employee benefits
44:54 - Takeaways from this episode
50:44 - Last words of wisdom
52:24 - The Kickstart 2023 Bundle

If you're ready to get out of debt, start saving money, and have your best year yet, check out the Kickstart 2023 Bundle. It will help you create a simple plan that you can actually follow so you can pay off debt and save money in 2023! Go to www.budgetsmadeeasy.com/kickstart to grab your bundle today!

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.

Book Recommendation:

• Stop Organizing, Start Producing: Leverage the 12 Factors that Make or Break the Busy Professional | 2011 Casey Moore

Resources and Links Mentioned:

• Kickstart 2023 Bundle: www.budgetsmadeeasy.com/kickstart
• 3 FREE consultation spots available for the listeners of the Money Mindset Podcast: Email k.liddington@yahoo.com
• sophia.org
• study.com

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Katelyn:

• Linkedin: https://www.linkedin.com/in/katelynshannon-learningprofessional/

Special Guest: Katelyn Shannon.

Listen in as I share tips on how to prioritize your finances by taking action, tracking your progress, developing habits and routines, and setting SMART goals to help you achieve financial freedom in 2023!

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.

“We have to make our finances a priority if you want them to change. So if you wanna get better, if you wanna learn, if you wanna start making better habits and routines, then we have to start taking action. And it actually starts right now.”
- Ashley Patrick

Timestamps:
00:53 - Introduction for today's episode
01:46 - Making your finances a priority by taking action
03:02 - How small actions lead to big results
03:45 - How tracking your progress will allow you to see how far you've come
05:38 - Building habits and routines
06:56 - How to make a SMART goal
09:08 - Breaking down your big goals into smaller, achievable goals
12:58 - Setting up quarterly goals
18:21 - The Money Plan Bootcamp
18:54 - The Kickstart 2023 Bundle

If you're ready to get out of debt, start saving money, and have your best year yet, check out the Kickstart 2023 Bundle. It will help you create a simple plan that you can actually follow so you can pay off debt and save money in 2023! Go to www.budgetsmadeeasy.com/kickstart to grab your bundle today!

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:

• Kickstart 2023 Bundle: www.budgetsmadeeasy.com/kickstart
• Episode 83 - BSS - Letting Perfectionism Go So You Get Back on Track: https://www.themoneymindsetpodcast.com/83

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Listen in as Christine shares her financial journey, money mindset, and how she used an unconventional way to pay off debt in order to get her finances back on track.

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.

“Think outside the box like maybe you can't live without a car but what can you do that you're like, people are gonna think I'm crazy. Like I would never have thought to even do that to help pay off debt. But I bet you there's some things that you can do to help pay off debt that you know might be a little extreme to other people but maybe not as extreme to you.”
- Ashley Patrick

Timestamps
00:00 - What today's episode is about
02:26 - How to have your own Budget Strategy Session episode
02:56 - Get to know Christine
11:02 - Christine's goals
12:42 - Christine's financial journey
16:01 - Christine's long term debt payoff goal
18:09 - Book recommendation
19:19 - What kept her motivated
20:45 - Take away from this episode
23:34 - 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 www.budgetsmadeeasy.com/strategy

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

Book Recommendation:

• God, where are you?

Resources and Links Mentioned:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

In Kimberly's new book, Building Wealth on a Dime, she helps you understand how to manage your debt and money better so you can invest even on a tight budget.

She was a special guest here on The Money Mindset Podcast way back when I started in October 2019 on Episode #8 where she shared how she paid off over $40,000 in student loans in 3 years.

Now she gives us an update on her journey and how she is changing personal finance education for women like you!

Meet Kimberly!
Kimberly Hamilton is the author of Building Wealth on a Dime and the Founder of Beworth Finance where she helps women and millennials make smart money moves via online courses and workshops. As a Certified Financial Education Instructor, Kimberly has been featured in major publications such as Forbes, Business Insider, Health magazine, and The Everygirl, among others. She has conducted workshops for partners such as Capital One Cafe and Ladies Get Paid, and is also the Senior Manager of Financial Education at major fintech company, Rocket Money -- but today, we're really excited to talk about her book, which we'll dive into in just a second.

“One is start small, dream big. So when you're talking about investing, I think a lot of people get intimidated and think that they need to have a lot of money, you know, or it's only for people that already have money or come from money, what have you. But, the truth is technology is more on our side now than it ever has been before. And so investing's really a lot more accessible if you're willing to learn the ways to go about it. You can have an app on your phone and you can start investing with as little as $5. So don't think that it has to be, oh, I need a thousand dollars or $10,000 to get started. You can really get started with a lot less.”
- Kimberly Hamilton

Timestamps
01:19 - Introduction for today's episode
02:46 - Meet Kimberly
04:52 - About Kimberly's book called "Building Wealth on a Dime"
06:28 - Sneak peek at one of the stories in the book
10:36 - Tips on how to build wealth on a dime
16:00 - Last words of wisdom
17:30 - Where to get Kimberly's book
19:08 - How to have your own Budget Strategy Session episode

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 www.budgetsmadeeasy.com/strategy

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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy
• Pre-order before Dec 22 and get free access to Kimberly's Investing 101 workshop where you'll learn what to consider when selecting investments, how to set up a brokerage and more! Simply send your proof of receipt to hello@beworthfinance.com and she'll get you that interview link!
• indiebound.org

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Kimberly:

• Instagram: https://www.instagram.com/beworthfinance
• Facebook: https://www.facebook.com/beworthfinance
• Twitter: https://www.twitter.com/beworthfinance
• Website: https://www.beworthfinance.com/building-wealth-on-a-dime

Special Guest: Kimberly Hamilton.

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

Timestamps
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 www.budgetsmadeeasy.com/strategy

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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

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

Timestamps
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 www.budgetsmadeeasy.com/strategy

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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Today, we're going to discuss the cost of waiting and how taking action toward your financial goals early on can help lessen the mental stress and prepare you for unexpected events, so you can take control of your finances and get back on track.

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.

“If you keep putting off taking action on your financial goals and just wishing for it to happen some day, that day is never going to come. You are going to stay in this cycle of year after year wondering where the heck all your money went, why you can't seem to save for the things that you really want to do, why you can't seem to paying cash for that vacation or you're not able to buy that house that you want with for your family. And you know that mental cost of stress.”
- Ashley Patrick

Timestamps
00:00 - Introduction for today's episode
03:50 - How to join the FREE Masterclass "5 Money Mistakes You're Making & How to Fix Them"
08:01 - Meet Breanna
10:03 - Breanna's financial struggle
20:11 - Keeping your momentum going
22:45 - Being financially and mentally prepared for unexpected events
31:56 - Take away from this episode

Want to know the 5 Money Mistakes You're Making & How to Fix Them? I've got just the thing for you! This FREE Masterclass will help you identify and fix the common money mistakes you're making so you can start saving and paying off debt! Go to www.budgetsmadeeasy.com/class and register today!

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:

• 5 Money Mistakes You're Making & How to Fix Them: www.budgetsmadeeasy.com/class
• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Stage 6 means financial freedom. This is your bigger vision for your life, what you want to do that you can't do because of debt. This is where you get to start building the life that you really truly want.

In this episode, we'll cover automating your savings, retirement, and investment accounts as well as figuring out an estate plan. Additionally, we'll discuss building a five-year plan for your new goals now that you’re debt-free!

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.

“Just have a goal, have a vision, because I want you to stay focused on that. It's so incredibly important to have a plan for your life and have a plan for your finances so that you can stay on track because it's so easy to get distracted”
- Ashley Patrick

Timestamps
00:57 - The last stage of the Money Success Roadmap
02:52 - You are debt free. Now what?
03:36 - Creating a plan for your new goals
07:55 - Stage 6 milestones
10:07 - Creating a new SMART goal for the next five years
14:55 - How to join the Money Plan Bootcamp

Starting and sticking to a money plan doesn't need to be overwhelming! Join my Money Plan Bootcamp where I'll teach you the 5 key steps for creating a money plan you can actually stick to...for FREE!⁣⁣ Go to www.budgetsmadeeasy.com/bootcamp and register today!

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:

• The Money Plan Bootcamp: www.budgetsmadeeasy.com/bootcamp

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Stage 5 is where you start getting your plan off the ground, making it happen, and actually paying off your debts.

In today's episode, we'll talk about how to find ways to increase your income, how to focus on one debt at a time, and how to stay motivated to pay off your debts faster.

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.

“When you are more intentional with your overall plan of what you wanna do, including after paying off debt, it's a whole lot easier to stay on track through the long term. And so that means not depriving yourself of all the joys in your life while just because you have debt or while you're paying off debt.”
- Ashley Patrick

Timestamps
01:58 - Stage 5 of the Money Success Roadmap
04:44 - Be intentional with where your money is going
05:33 - Moving past the Perfectionist mindset
06:20 - Identifying ways to increase your income
07:14 - Focusing on one debt at a time
08:35 - Visual progress trackers
12:25 - Finding ways to keep you motivated
16:58 - The Money Plan Bootcamp

Starting and sticking to a money plan doesn't need to be overwhelming! Join my Money Plan Bootcamp where I'll teach you the 5 key steps for creating a money plan you can actually stick to...for FREE!⁣⁣ Go to www.budgetsmadeeasy.com/bootcamp and register today!

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:

• The Money Plan Bootcamp: www.budgetsmadeeasy.com/bootcamp

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Occasionally, we get unexpected and random expenses, leaving us in a situation where we need to raise some extra funds.

Listen in and learn strategies and creative ways on how to make some extra money like selling things around the house that you don't need, cutting back on eating out, and doing money challenges to help you avoid going further into debt so you can save money for the things that really matter.

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.

“Just like life there's seasons and there's seasons with your finances and it happens. It happens to everybody. And so don't beat yourself up about that. The best thing you can do now is just look forward instead of in the past and you know, feeling bad about it, cuz you're here and you're making the steps that, you know, you need to take to move forward.”
- Ashley Patrick

Timestamps
00:00 - Introduction for today's episode
03:07 - Meet April
03:36 - April's biggest struggle with her finances
14:20 - The impact method
17:30 - Selling items to make more money
23:15 - Ways to help keep you on track moving forward
25:48 - About having bigger goals to keep you motivated
32:36 - April's 24 hour goal

Want to stop stressing about payday? Want to be able to pay cash for those things that always "pop up"? Check out the new 2023 Budget Planner! The Budgets Made Easy Budget Planner is the Ultimate Step-by-Step Guide to help you save money and pay off debt by getting organized and focused on what's important for your family. Go to www.budgetsmadeeasy.com/planner to get your planner today.

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:

• 2023 Budget Planner: www.budgetsmadeeasy.com/planner
• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Your budget shouldn’t feel restrictive and suffocating, so giving yourself enough flexibility can make it a little more fun to stick with, especially when you're paying off debt.

Listen in and gain tips on how to give yourself flexibility by learning more about sinking funds, how to budget for the things that always "pop up", and how to use visuals to help keep track of your debt and finances.

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.

“You don't have to do it one way. Like you can start one way do it another, like it really is personal, like figuring out what works for you.”
-Ashley Patrick

Timestamps
01:58 - Meet Marie
05:37 - Figuring out what works for you
06:23 - Marie's financial struggles
08:57 - Strategies to help with Marie's financial struggles
11:06 - Adding a sinking fund for fun and miscellaneous spending
16:05 - Marie's 24 hour goal
18:23 - Putting money aside for the extra things that always "pop up" in your 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 budgetsmadeeasy.com/strategy 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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Many people find it hard to resist because it’s so easy and so instantly rewarding, and for people with ADHD, keeping impulse spending in check can be challenging.

Listen in as I share tips on how to gain control of it by creating new habits and routines to help with consistency, setting up barriers and roadblocks to your spending, and how creating a written budget and doing a simple action can help stop your overspending.

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.

“So, you know, just little baby steps, you know the one small action that you can do this week. And it could be as simple as deleting the Amazon app off your phone or deleting the credit cards that are saved in there to make it harder for you to spend on Amazon. Like you got to take an extra step to spend money. Like you can delete your cards out of there and then you have to like, go get your car. It's like so much more effort. Right? Cause it's so easy. They have it set up so easy to spend money.”
-Ashley Patrick

Timestamps
00:01 - Introduction for today's episode
02:43 - Meet Haze
06:07 - About emotional spending
07:34 - Setting up roadblocks to your spending
09:35 - Haze's goals for the next 2 years
12:06 - About consistency
14:10 - Creating visuals of your dreams
14:55 - Doing small actions to help stop overspending
17:59 - Setting up new habits and routines
21:31 - Writing down your budget to track your spending

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 budgetsmadeeasy.com/strategy 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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

It's because of the so-called mom guilt!

Listen in as we discuss about the mom guilt and how it influences our actions and, unfortunately, our financial goals. We also go through some tips on how to overcome it like setting up financial boundaries with your child, teaching them delayed gratification, changing your mindset and turning your guilt into motivation, and why saying no is beneficial to your child's future.

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.

“And, you know, she will appreciate it later in life and spoiling her now because of that mom guilt doesn't necessarily set her up for success in the future with how you want her to handle her finances or working toward a goal. Like there's so many life skills that you can teach her by telling her no, or letting her work for it. So instead of thinking that feeling guilty as the mom, you could use that as a motivator to teach her some things instead of feeling guilty and spending the money”
-Ashley Patrick

Timestamps
01:58 - Meet Trinnette
02:36 - Trinnette's biggest financial struggle
03:55 - Setting financial boundaries with your child
05:10 - Teaching your child about delayed gratification
07:18 - Getting past the mom guilt
08:15 - Changing your mindset about the mom guilt
09:48 - Trinnette's goals
14:12 - Adding a category for your child in your budget
17:23 - Practicing delayed gratification
19:35 - Trinnette's dream for her daughter
20:31 - Making a vision board to help achieve their goals
22:47 - Recognizing your triggers

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 budgetsmadeeasy.com/strategy 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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

So if you're wondering

• How to recognize and identify the triggers that make you spend mindlessly
• How setting up and staying focused on your big goals help control overspending
• How to not feel deprived and restricted by your spending plan
• How to let go of perfectionism

Then this episode is for you, so make sure to jot down these golden nuggets that are being shared!

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.

“You're going to have to keep reminding them and yourself of what your bigger goal is and know that you're going to screw up from time to time. You're still going to impulsively spend. I mean, that's, that's just normal, but if you keep building up those wins over time, you're going to get there and they're going to become less and less and you're going to make the progress that you want to make, especially when you have that clear goal.”
-Ashley Patrick

Timestamps
01:19 - Meet Jen
03:03 - Jen's financial struggles
04:30 - What triggers her to impulsively spend?
05:31 - Recognizing the triggers and putting up roadblocks between spending money
07:04 - How setting up goals help control impulse spending
10:49 - How using visuals and reminders help you stay focused to reach your goals
11:53 - How to set a realistic but timely goal
12:36 - Struggles with budgeting
13:49 - Creating a flexible spending plan
16:49 - Problems with being a perfectionist
19:12 - Give yourself permission to fail
20:24 - Jen's 24 hour goal

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 budgetsmadeeasy.com/strategy 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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

To honour this milestone, we are changing some things up by doing a Coaching Week!

This week we have several interviews where we talked about past money mistakes and money struggles like overspending because you don't know your big goal because of mom guilt, being unorganized, perfectionism, impulsive spending because of ADHD and more. I will also share tips on and how to make progress and get over that big struggle to achieve your financial goals so make sure you listen to all the Budget Strategy Sessions this week.

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.

“I'm going to give you actionable steps and you are going to realize that you are not alone. And that is really the biggest hurdle, right? We feel like that we do all of these things. And one of the only ones that do them and everybody else has it all figured out with their finances, but that's not true.”
-Ashley Patrick

Timestamps
00:03 - New introduction to the Money Mindset Podcast
00:25 - Meet Ashley
01:18 - Changes to the Podcast
01:57 - This week on the Money Mindset Podcast
04:20 - How to participate in the coaching sessions/the Budget Strategy Sessions

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 budgetsmadeeasy.com/strategy 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:

• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Listen in as Coleen shares her story about how her parents taught her about money, what she's teaching her children about money, her financial journey on paying off her husband's student loan debt and about having no debt except for her house and switching careers because of COVID.

Meet Colleen…

Colleen is a wife, mom of 3 kiddos, animal lover and loves the lake. After over 20 years in the medical field, she decided to follow her heart by quitting her x-ray job and becoming a REALTOR(R), something she had been wanting to do for many years. She has always enjoyed taking care of others and now she gets to do so by being a trusted advisor and helping them to have all the tools needed to make their real estate dreams come true. She truly loves to assist in the buying and selling of homes. Colleen has also spent many years learning how to do well with budgeting and is currently working to become a financial coach, as well. She believes it is very important to make wise decisions with (most likely) the biggest purchase of a person's lifetime, including tough financial conversations and choices. She strives to help people to get into the home they love and will continue to love because they can afford it and won't become house poor. A continued conversation is encouraged and as she becomes a coach as well, she'll be able to help in many ways for time to come.

“Go with your gut and know that you're doing the right thing. Like just really think hard about that budget and know that there's an end goal and it's going to be hard no matter what, but really just being open to what is available to you and just making the most of what you have.”
- Colleen Fueling

Timestamps
03:40 - Meet Colleen
05:14 - How do you get your husband on board with paying off debt?
06:38 - How did your parents influence your mindset about debt?
08:00 - How do you pay off your husband's student loans fast?
09:12 - Does having a plan in place be so mentally freeing?
10:52 - How do priorities change when you switch careers?
14:33 - What are your thoughts and feelings with the real estate market?
15:05 - What are your feelings on credit scores for somebody wanting to rent or buy a house right now?
18:28 - About zero credit score
20:23 - Do real estate agents or realtors help people find rentals?
21:24 - What are your current financial goals and how are you staying focused on them?
22:40 - When do you want to have your house paid off?
24:01 - What is the best piece of financial advice you have received?
24:42 - What are some things that you are doing to teach your children about finances?
25:40 - Words of wisdom about paying off debt or managing your finances

Want to take the stress off your shoulders? Ready to learn how to create AND stick to your budget?! Check out my Free Workshop: How to Create and Stick to a Budget (even when you are overwhelmed)! Go to budgetsmadeeasy.com/workshop and get started today.

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:

• Free Budgeting Workshop: budgetsmadeeasy.com/workshop
• Link to get a free automated valuation of your house: https://hmbt.co/FwFB6a

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Colleen:

• FB: https://www.facebook.com/colleenfeulingtherealtor

Special Guest: Colleen Feuling.

Meet Michelle!

Michelle Onaka is a mom of two young children, part-time university academic counselor supporting first-generation college students, and founder of Intentional Money Life. She loves to learn, strategize, support others, get into the nitty gritty, systemize, and demystify things. In her business, she helps people build financial education, apply it to themselves, and intentionally create a life that they love. She does this through posting regular educational visuals and short videos on social media, as well as through offering online financial courses.

“If you couldn't make your student loans, making sure that you're aware there's forbearance, there's deferment, and then there are multiple different repayment plans. You can get on a different payment plan where you pay less.”
-Michelle Onaka

Timestamps
04:39 - Michelle's role and expertise
06:06 - Pell Grant
07:02 - How many people are getting the Pell Grant?
08:53 - Pell Grant and EFC calculations
09:30 - What is the threshold of the EFC to be Pell eligible?
11:23 - What does being considered independent mean for you?
14:40 - What do you need to do to be declared independent?
15:26 - To get any of these resources you do need to fill out the FASFA?
17:22 - What to do if you think you're eligible.
19:39 - What services do you offer? What does this program do?
25:23 - What to do if you aren't Pell eligible?
26:13 - Being strategic about your course selection and what will transfer.
35:17 - A few things to know about student loans.
37:25 - How can you figure out how much your student loan is before you graduate?

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on budgetsmadeeasy.com/start

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:

• FREE Budget Starter Kit - www.budgetsmadeeasy.com/start
• Michelle Onaka’s courses :www.intentionalmoneylife.com/courses

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Michelle:

• Instagram: https://www.instagram.com/intentionalmoneylife/
• FB: https://www.facebook.com/IntentionalMoneyLife
• Website: https://intentionalmoneylife.com/

Special Guest: Michelle Onaka.

If you have medical bills to pay right now or know you may need to in the future, then you’ll want to listen in on today’s episode.

Dr Virgie educates us on the three steps you should take to pay your medical bills, what to do if you can’t afford your medical bill, busting myths and sharing the top 5 reasons people end up overpaying their medical bills.

Meet Dr Virgie…

Dr. Virgie Bright Ellington is an internal medicine physician and medical billing expert.

A dedicated patient advocate, Dr. Virgie practiced more than 20 years in primary care and psychiatric settings and as a health insurance executive.

Dr. Virgie now helps patients understand complex medical procedures, communicate effectively with their healthcare providers, and avoid financial devastation from crushing medical bills through her "What Your Doctor Wants You to Know" series.

She is the author of "What Your Doctor Wants You to Know to CRUSH MEDICAL DEBT" and the host of the weekly "Ask a Doctor - What Your Doctor Wants You to Know with Dr. Virgie" show on the VoiceAmerica radio network.

“The number one cause of all debt and bankruptcy in the United States is medical bills, medical debt. Unfortunately there's some numbers that say up to 30% of that is bills that people did not owe, or there are bills that they were overcharged.”
-Dr. Virgie Bright Ellington

Timestamps
03:46 - Meet Dr Virgie
07:20 - Why you shouldn't sign papers in the hospital accepting liability for costs your insurance doesn't cover.
13:27 - The three steps to paying your medical bill
17:33 - What to do if you can't afford to pay what you owe.
19:31 - Are there different steps for bills from your doctors office?
20:35 - Why do healthcare facilities agree to your payment plans.
21:35 - Myth Buster: Can they send your bill to collections if you keep paying as little as $10 per month?
25:05 - The top 5 reasons people overpaying on their medical bills?
31:10 - Surprise billing and what it means for you
32:11 - Book recommendation

Want to take the stress off your shoulders? Ready to learn how to create AND stick to your budget?! Check out my Free Workshop: How to Create and Stick to a Budget (even when you are overwhelmed)! Go to budgetsmadeeasy.com/workshop and get started today.

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:

• Free Budgeting Workshop: budgetsmadeeasy.com/workshop
• Medical Bill Checklist: https://crushmedicaldebt.com/medical-bill-paying-checklist

Book Recommendation:

• Your Money or Your Life - Joe Dominguez & Vicki Robin

Connect with Ashley:

• IG: https://www.instagram.com/budgetsmadeeasy

Connect with Guest:

• IG: https://www.instagram.com/therealdrvirgie
• Facebook: https://www.facebook.com/DoctorDiaries
• Website: crushmedicaldebt.com
• Twitter: https://twitter.com/therealdrvirgie
• Youtube: www.youtube.com/channel/UCmA-WL2ucIfDelCMr1wzgKg
• LinkedIn: https://www.linkedin.com/in/drvirgie

Special Guest: Dr. Virgie Bright Ellington.

Do you find yourself hiding the mail in a drawer so that you can avoid facing what's inside?

It often feels like a huge mental to even think about sorting out your finances, especially when you're doing all the things as a busy mom.

Listen in as Rebecca tells us why fear is your friend and what you can do to overcome it so you can manage your finances better. Learn how you can use fear as a tool to drive you and change your money story.

Meet Rebecca Wiener McGregor…

She is an Amplifier of Love, catalyst for breakthroughs, and author of the beloved book Loving Her: 10 Loving Standards to Call Forward the Wealthy Woman Inside You. She shares her gifts as a transformational hypnotist + money mindset coach committed to helping over-working and over-giving visionaries release old blocks, traumas, and hidden fears to find a deeper sense of self-worth and determination to live life on their own terms while being fulfilled, well-paid, and having loads of fun.

“Everything comes down to being a choice. Choice to open those envelopes, the choice to write down the numbers, the choice to do the research of what you've been spending and making decisions from there about what you wanna spend. And the choice to love yourself through the whole process.”
- Rebecca Wiener McGregor

Timestamps
02:46 - Rebecca's Journey
08:02 - How can we use fear as a tool to get going?
10:26 - How do people get to where they can use the fear and put it into action?
11:56 - Why is it important not to judge yourself?
14:31 - What happens when you attach judgment to an emotion?
15:28 - How can busy moms build their confidence and their self worth around their finances?
20:19 - Women's history with money
23:19 - Why is fear your friend?
24:28 - Why you should stop saying 'I can't afford it.'

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on budgetsmadeeasy.com/start

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:

• Budget Starter Kit: budgetsmadeeasy.com/start
• Free Workshop: 4 Steps to Activate Your Money Flow - getinyourmoneyflow.com

Book Recommendation:

• The Four Agreements by Don Miguel Ruiz
• Outrageous Openness by Tosha Silver
• The Power of Intention Dr Wayne Dyer

Connect with Ashley:

• IG: www.instagram.com/budgetsmadeeasy

Connect with Guest:

• Facebook: :https://www.facebook.com/iamrebeccasue
• LinkedIn: https://www.linkedin.com/in/iamrebeccasue/
• Instagram: https://www.instagram.com/iamrebeccasue/
• Tik Tok: https://www.tiktok.com/@iamrebeccasue

Special Guest: Rebecca Wiener McGregor.

Listen in as Brian shares with us what value based investing is. What is ESG and how to find out if you're working with or investing in a company that aligns with your values. He also shares some great tips on what to do if you’re a business in the industry and want to become more value based focus.

Meet Brian…

Brian helps people understand not just what to do, but how and why they should do it. Part teacher and part financial therapist!

Brian has been in the Financial Services Business since 2003, working with a diverse group of clients representing a slice of the Washington DC marketplace. As a native of the Washington area, he grew up in Chevy Chase, Maryland, attending high school in Bethesda. He founded The Haney Company with his father in 2013, combining 2 generations of industry experience. With more than a decade of experience in Banking, Investments, Asset management and Insurance, Brian's expertise and keen insights provide organizations, businesses and individuals with unique and innovative strategies to meet their insurance needs and financial goals.

“Have a vision for your life and the type of person that you are. Center yourself. What are the values that are really important to you? Find resources and approach professionals that understand this and are willing to help you carry that forward. Be practical about it and take your time.”
- Brian Haney

Timestamps
03:19 - About Brian
06:08 - Business of Pride Award
08:50 - What is value-based investing?
11:21 - What is ESG?
13:04 - How does a company meet an ESG criteria?
14:37 - Where can you get advice on investing in the right company?
17:23 - Investing Strategy: all in for ESG or a combination?
20:20 - Can lower investments in an ESG be done on your own or through an adviser?
22:40 - How can a business in this industry become more value-based focused?
25:15 - What to keep in mind when learning about ESGs
28:05 - Checking if a business aligns with your values
30:36 - Brians values and 10-year plan
34:55 - Book recommendation: When by Dan Pink

If you need help paying off your debt, go to budgetsmadeeasy.com/debt for your Paying Off Debt Starter Kit. This will help you really get going on your journey to longer-term investing strategies.

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:

• Paying Off Debt Starter Kit: www.budgetsmadeeasy.com/debt

Book Recommendation:

• When by Dan Pink (affiliate link) https://amzn.to/39t8uh4

Connect with Ashley:

• IG: www.instagram.com/budgetsmadeeasy

Connect with Guest:

• Facebook: https://www.facebook.com/thehaneycompany
• Website: https://www.thehaneycompany.com/
• Twitter: https://twitter.com/TheHaneyCompany

Special Guest: Brian Haney.

You aren’t the only one. There are so many who ask the same question and have a similar problem.

Join me in today’s episode where I answer a question that was submitted about what you can do to stick to your budget and get back on track when you feel like you’re constantly falling behind.

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.

“Just imagine what you could do in life if you didn't have so many bills. If you just had to pay your rent or mortgage, what could you do with all that extra money that right now you're sending to debt. Dream big because you are worth so much more, you are capable of so much more.”
Ashley Patrick

Timestamps
00:47 - Question of the week
03:01 - Taking advantage of free resources when homeschooling
04:16 - Figure out what's setting you behind
06:31 - Make it difficult to access the money
09:31 - Accountability and implementation
12:55 - Planning your finances for the rest of the year

Do you need time, space and accountability to take action on the things you KNOW you should be doing? Budgeting so you can actually pay off debt, save money, make a meal plan and all the things that keep pushing their way down your to-do list. Would you thrive in a supportive community of other busy moms who get it and are also working to achieve similar financial goals?

If that’s a YES, I invite you to sign up for the Money Success Coaching Group at budgetsmadeeasy.com/msc. There is a flash sale running from July 14th, 2022 until July 17th, 2022 at 11:59 PM Eastern time. Take action to change your finances and what the rest of your year looks like. Doors will open again in October, so if you’re past waiting for making the changes you’d like, join us!

Resources and Links Mentioned:

• Budget Starter Kit - budgetsmadeeasy.com/start
• Budgeting Workshop - budgetsmadeeasy.com/workshop
• Money Success Coaching Group - budgetsmadeeasy.com/msc

Connect with Ashley:

• IG: www.instagram.com/budgetsmadeeasy

Listen in as Nicole shares why having the right mindset is key to your success, tips on how to get started, how to manage mum life with business life and what you can do to make money for paying off your debt.

Meet Nicole…

I am a homeschooling Mom located in the San Francisco Bay Area. I am the founder of Fbombs & Booze. Which is a drinkware brand. We handmake wine glasses and tumblers with snark sayings and the heavy use of profanity. I quit my 6 figure job without a backup plan to save my mental health.

My products are sold on several eCommerce sites and are in over 100 shops and boutiques internationally. I am also a 1:1 coach for Women-owned handmade product-based businesses to help them scale their businesses.

“Options are endless and you are fully capable and there are so many people around that are willing to help you.”
- Nicole Chenault

Timestamps
04:14 - Nicole's Story
09:17 - Tips on getting started with a side business
14:06 - Mindset first
16:27 - Managing mum life and business life
20:38 - Tips for making money to pay off debt
24:40 - Last words of wisdom

Want to take the stress off your shoulders? Ready to learn how to create AND stick to your budget?! Check out my Free Workshop: How to Create and Stick to a Budget (even when you are overwhelmed)! Go to budgetsmadeeasy.com/workshop and get started today.

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:

• Free Workshop: How to Create and Stick to a Budget: budgetsmadeeasy.com/workshop
• Code BUDGETS will give you 20% off our entire website: https://fbombsandbooze.com/?ref=b9H8wnL9

Book Recommendation:

• You are a badass at making money by Jen Sincero (affiliate link): https://amzn.to/3MWSm54

Connect with Ashley:

• IG: www.instagram.com/budgetsmadeeasy

Connect with Guest:

• IG: www.instagram.com/fbombsandbooze
• Facebook :www.facebook.com/fbombsandbooze
• Website: https://fbombsandbooze.com
• TikTok: www.tiktok.com/fbombsandbooze
• Pinterest: www.pinterest.com/fbombsandboozetumblers

Special Guest: Nicole Chenault.

The key is to get educated so you can make informed decisions. Listen in as John shares why it’s important to buy over renting, when you should move from your home, dealing with renters, the right insurance and what options you have with zero or low credit.

A little bit about John…

John Papaloni was born and raised in Etobicoke, often referred to as Toronto’s West End. From an early age John developed a passion for buying and selling and this has led him on the journey as a successful business entrepreneur and now highly focused Real Estate Agent working in the Greater Toronto Area.

John Papaloni has a commitment to his clients that is unmatched and a passion to deliver Top Value through mastering all the latest technologies and engaging in the most effective marketing campaigns! John is well on track to achieving various awards in the real estate industry that will set him apart from the rest.

“Don't wait to buy real estate. Buy real estate and wait.” - John Papaloni

Timestamps
03:23 - John’s Story
06:55 - Don't wait to buy real estate. Buy real estate and wait.
08:21 - Buying over renting
09:31 - When it makes sense to move
11:19 - Dealing with renters
18:05 - Insurance for covering damages
22:02 - Insurance when renting out your own home
32:39 - Last words of wisdom

If you need help paying off your debt, go to budgetsmadeeasy.com/debt for your Paying Off Debt Starter Kit. This will help you really get going on your journey to longer-term investing strategies.

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:

• Paying Off Debt Starter Kit: www.budgetsmadeeasy.com/debt

Book Recommendation:

• Compound Effect by Darren Hardy: (affiliate link) https://amzn.to/3OjdfZ0

Connect with Ashley:

• G: www.instagram.com/budgetsmadeeasy

Connect with John:

• IG: www.instagram.com/johnpapaloni
• Facebook: www.facebook.com/papaloniteam
• Website: www.papaloniteam.com

Special Guest: John Papaloni.

There are so many questions when it comes to preparing for college. Wondering what college is best for the student, what financial aid they will have access to and what to do if the family finds themselves paying for a parent loan they weren’t aware of.

Listen in as Ann answers some of your burning questions and gives us some great tips on navigating how to pay for college without ending up with huge debts.

Meet Ann Garcia

AKA The College Financial Lady, has helped thousands of families save millions of dollars on college. A fee-only Certified Financial Planner® and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children’s dreams with the reality of funding their own lives. Her book How to Pay for College is set to release this summer from Harriman House; its companion online course is available now.

Early in Ann’s career as a financial advisor, she heard the same two questions again and again from her clients. One group asked, “How can we possibly afford to save for college and retirement?” Another group asked, “How can I save for retirement when I’m paying so much on my student loans every month?” Realizing that too many people struggled with this topic and too few advisors were willing to talk about it, she started The College Financial Lady blog to answer families’ college planning questions. A decade later, she is not just the go-to person for college financial planning, she is a trained assassin in that arena.

_“Think about it from the perspective of where do you see your student 10 years from now? What's the life that you want them to have? What are the experiences you want them to have in college? What are the things that make them successful or unsuccessful in an academic or social environment? .” _
- Ann Garcia

Timestamps
01:02 - About Ann
03:21 - What's more important? Saving for retirement or college first?
05:21 - How do you balance your own student loan when your kids are about to go to college?
08:14 - Who takes out the student loan? The parent or the student?
12:00 - General advice for making the best long term financial decisions.
19:17 - Tools to navigate scholarships and get great information
20:54 - Does it matter which college you go to?
27:03 - Parents who didn't realise they took our a parent loan.
30:01 - What do they do now?
35:12 - Can social security be garnished for the student loans?
36:50 - Those eligible for student loan forgiveness.
41:14 - Ann's book: How To Pay For College
42:40 - Last words of wisdom and book recommendations

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on budgetsmadeeasy.com/start

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:

• FREE Budget Starter Kit: www.budgetsmadeeasy.com/start

Book Recommendation:

• Psychology of Money by Morgan Housel (affiliate link): https://amzn.to/39q8MVT

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Ann:

• Facebook: www.facebook.com/collegefinanciallady
• Website: www.howtopayforcollege.com

Special Guest: Ann Garcia.

In today’s episode we learn that you’re allowed to spend your money on whatever you want. And in order to do this, there are key factors you have to keep in mind and implement. Listen in as Amy tells us what we should pay attention to, building better habits, what to do if you do and don’t manage the finances, if you should pay off debt or save first and so many other golden nuggets.

Who is Amy Schultz?

She is Co-Founder and Head Coach at Bolder Money, a company on a mission to close the gender wealth gap through compassionate money coaching for women. Amy transformed her personal challenges with money, work, and motherhood into a community that helps women use their money to build the lives they want.

“When we can start tying our emotions to our spending and really being paying attention to why this is happening, that's where we start learning more about our impulses. That's where we can start building better habits.”
- Amy Schultz

Timestamps
02:37 - Amy’s story and mission
05:43 - The emotional side of money
06:54 - Making good money but still broke
07:38 - The number one thing to start doing
09:36 - Getting your partner onboard with the plan
10:39 - Understand how you were raised around money
12:39 - What to do if someone else takes care of the money
15:51 - Key factors to focus on in the beginning
18:34 - Do you save first or pay off debt first?
20:16 - Last words of wisdom: your support system
21:49 - Book recommendations

Want to take the stress off your shoulders? Ready to learn how to create AND stick to your budget?! Check out my Free Workshop: How to Create and Stick to a Budget (even when you are overwhelmed)! Go to budgetsmadeeasy.com/workshop and get started today.

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:

• FREE Workshop: How to Create and Stick to a Budget - budgetsmadeeasy.com/workshop
• $49 off our 3-month Money Coaching package. Go to this link to sign up and use code BEBOLDER - https://www.google.com/url?q=https%3A%2F%2Fbuy.stripe.com%2F28og0gcPSg6oa5ibIT&sa=D&sntz=1&usg=AOvVaw2yXKcFvYuXIICt6VBDGH_z

Book Reccomendations:

• Women Who Run with the Wolves by Clarissa Pinkola Estes - (affiliate link) https://amzn.to/3xrjCTq
• Untamed by Glennon Doyle - (affiliate link) https://amzn.to/3zDGYrD

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Amy:

• IG: instagram.com/amyschultzmoneycoach
• IG: instagram.com/bolder.money
• Website: www.boldermoney.com

Special Guest: Amy Schultz.

Have a situation or circumstance that doesn’t fit into the norm and want a personalized solution?

Join me this week as I switch things up and answer your burning questions with my suggestions.

Hosting Today:

Hey, I’m Ashley Patrick and I’m 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.

“It's really about finding what works for you.” - Ashley Patrick

Timestamps
01:22 - Highest balance or higher interest rates first?
03:05 - Will budgeting work for someone who doesn't have a steady income?
06:18 - Struggling with a shopping addiction.
11:04 - What to do when you've lost your job.
15:25 - I struggle to create and stick to budget plans and meal plans.

If you would like me to answer any of your questions, send me an email at ashley@budgetsmadeeasy.com and in the subject line add ‘#question’ and I will add it to the list to answer on the next Q&A podcast episode.

Also remember to check out my Free Workshop: How to Create and Stick to a Budget (even when you are overwhelmed)! Go to budgetsmadeeasy.com/workshop and get started today.

Resources and Links Mentioned:
Free Workshop: How to Create and Stick to a Budget - www.budgetsmadeeasy.com/workshop

Connect with Ashley:
Instagram: www.instagram.com/budgetsmadeeasy

Listen in as I explain why I quit Dave Ramsey and why I prefer being a Master Financial Coach.

My mission is to encourage you to pay off your debt and do better with your finances so that you can have the option to do what you want in life. WITHOUT name calling and brashness.

Hosting Today:

Hey I’m Ashley Patrick and I’m a personal finance expert, and founder of Budgets Made Easy. I helps 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.

“There's flexibility in a financial plan. It's not a one size fits thing. I promise you that personal finance is personal and money is emotional.” - Ashley Patrick

Timestamps
03:13 - Ashley's Journey with Dave Ramsey
05:06 - What Ashley achieved following Dave's book
05:58 - Why Ashley started moving away from Dave's teaching
07:06 - Things you need a good credit score for
11:00 - Why brashness isn't the answer for long term success
14:18 - Where does Ashley stand now?
15:23 - Barriers to getting your finances in order
16:43 - What Ashley's readers think about Dave Ramsey

• Are you wondering how to start and stick to a budget, even when you are overwhelmed?
• Don’t understand why the heck you can't seem to save each month?
• Fed up of not knowing where your money is going?

Check out my Free Workshop: How to Create and Stick to a Budget (even when you are overwhelmed)! Go to budgetsmadeeasy.com/workshop and get started today.

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:
Free Workshop: How to Create and Stick to a Budget - www.budgetsmadeeasy.com/workshop

Connect with Ashley:
Instagram: www.instagram.com/budgetsmadeeasy

Listen in as we learn about the key components Alexis used to pay off debt fast! We also go through additional tips you can use along your financial journey and achieving your goals.

Meet our guest:

Alexis Fetterman: A wife, mom of three, registered nurse, and money coach. After having enough of living in debt and in constant money stress, Alexis and her husband paid off $48,000 of debt so they could pursue their dream of building a house. Now she helps others go from constantly being stressed about money to living the life they dream.

“You need to have a strong enough WHY so that you are committed and don't want to give up.”
- Alexis Fetterman

Timestamps
02:38 - Alexis' Story
05:33 - The effects of stressing about money
07:30 - Working with your partner to pay off debt
08:42 - What made the biggest impact in paying off debt fast
08:52 - Having a WHY
09:04 - Budgeting
09:19 - Raising extra cash and putting as much towards debt
10:15 - How to gain clarity and control of your finances
11:00 - Flexible zero-based budget
11:57 - Other tips to pay down debt fast
14:53 - Tips on how to get started with budgeting
15:35 - Last words of wisdom

Want to take the stress off your shoulders? Ready to learn how to create AND stick to your budget?! Check out my Free Workshop: How to Create and Stick to a Budget (even when you are overwhelmed)! Go to budgetsmadeeasy.com/workshop and get started today.

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.

Connect with Ashley:
Instagram: www.instagram.com/budgetsmadeeasy

Connect with Alexis:
Website: www.fettermanfinancial.squarespace.com
Instagram: www.instagram.com/fettermanfinancialfreedom
Facebook: www.facebook.com/fettermanfinancialfreedom

Special Guest: Alexis Fetterman.