This episode dives into the reality of life's unexpected events and how they can impact our financial plans.

From managing the emotional strain of health issues and personal losses to dealing with the financial aftermath of unforeseen expenses, join us for a candid conversation on how to persevere through tough times.

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 know that if you are in this or if it happens to you soon, it's okay. Just take it day by day and look toward the future. Still make your plan, still keep going. Give yourself the space to feel your feelings and don't beat yourself up about it, because that's normal.”
- Ashley Patrick

Do you need to jumpstart the second half of the year? I've got the perfect way to help you reset, refocus, and jumpstart the rest of the year.

July Jumpstart: The Ultimate Reset For Busy Moms is a free summit that I am co hosting with some pretty amazing women who will help you reset your finances, health, schedules, and productivity.

Grab your ticket here and get ready to transform your year: https://apatrick--khristenmassic.thrivecart.com/july-jumpstart/

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:

• Join the July Jumpstart - A Reset For Busy Moms Summit: https://apatrick--khristenmassic.thrivecart.com/july-jumpstart/

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Join us as we discuss the challenges of finding a supportive community that understands your financial goals without judgment. Discover practical tips on connecting with like-minded individuals online, forming accountability partnerships, and achieving your financial goals.

Tune in to see how our Money Success Club fosters a global community, providing the support and encouragement you need to succeed on your financial 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.

“It's so important to find an accountability partner that really gets you to push yourself and do the things that you probably wouldn't do without that. Like for me, I probably wouldn't be recording these podcasts today if I didn't have to get on the phone and tell him that I did it. And so, you know, it really does help you get stuff done. So yeah, accountability partner is huge.”
- Ashley Patrick

Timestamps:
00:00 - Introduction
01:50 - The importance of finding a supportive community
03:48 - Introducing the Money Success Club
04:12 - The benefits of having an Accountability Buddy
07:29 - Co-working and Get Sh*t Done Sessions
09:02 - How to join the 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 Flash Sale: www.budgetsmadeeasy.com/msc

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

In today’s episode of the Money Mindset Podcast, we’re breaking down the essential numbers you should be keeping tabs on in the new year. Feeling confused about where to start? Don’t worry; we’ve got you covered!

Tune in as we unravel the mystery of financial tracking and share practical insights to kickstart your journey 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.

“Some numbers that you should just in general be tracking is eating out and specifically going through the drive through. So if you're like me, it can be a very bad habit. We need to start tracking it 'cause that is where the mindfulness comes in because you know, 10 bucks here, 20 bucks there, it adds up, especially if you're doing it almost daily, right?”
- Ashley Patrick

Timestamps:
00:54 - Introduction to the importance of tracking numbers
01:16 - The free budget starter kit
01:30 - Key numbers to track
02:58 - Drive-through and dining out expenses
03:44 - Keeping a close eye on your grocery spending habits
04:12 - Streaming services and how to optimize your subscriptions
05:24 - Know your Overall Net Worth, Overall Debt Amount, and Overall Savings Amount
07:44 - Preview of tomorrow's episode

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

Fortunately, there are a few things you can do to help you get through this and get your finances back on track.

Listen in as Ashley shares some tips with Sy on how to get her finances back on track after taking a break from work, such as tracking her spending, using cash envelopes, and creating a priority list in her budget.

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 just figure out what works for you by trying different things and know it's gonna take practice and it's gonna take time. So don't be afraid to start cuz you feel like you're not sure what to do or which thing to do. Cuz we overthink everything. We overthink all of it and truly it doesn't matter as long as you're taking action and trying something that is progress and you will get there. But if you stay stuck and don't do anything, you won't. Right? You have to like just start doing and just start trying to figure it out.”
- Ashley Patrick

Timestamps:
01:17 - What today's episode is about
02:29 - How to join the Money Plan Bootcamp
03:36 - Meet Sy
11:27 - Sy's financial struggle
12:11 - Tracking your spending
15:08 - Using cash envelopes
19:02 - Sy's 24 hour goal
21:29 - Creating a priority list
23:47 - How to utilize multiple bank accounts
27:09 - How to sign up for your own Budget Strategy Session episode

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

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Whether you're having issues with your spouse, significant other, or you're going through a marital problem because of financial infidelity, one thing you should focus on first is to protect yourself financially.

Listen in as Tracy shares tips on how to look for red flags of a potential financial infidelity, how being informed of your finances protects yourself, and when and where to find a forensic accountant in case of a divorce.

Meet Tracy!

Tracy Coenen is a renowned forensic accountant and the brains behind The Divorce Money Guide, a product that takes people step-by-step through the process of gathering and analyzing their financial documents to determine where and how much money is missing. Widely known as a no-nonsense professional who delivers the “real deal” to her clients, Tracy has become one of the most sought-after forensic accountants working in the divorce space. As a woman in an industry once dominated by men, Tracy works tirelessly to help women going through difficult divorces who feel powerless in their financial situations.

Tracy is a forensic accountant at her firm, Sequence Inc. Forensic Accounting,and is a CPA, CFF, and MAFF who testifies as an expert witness all over the country. She has received features on CNBC, CBS, ABC, Fox, USA Today, the Wall Street Journal, and NBC, among others. However, more than her fancy titles and letters, she prides herself on helping women feel less alone through the isolating process of divorce, providing clarity and a plan for how they’re going to resolve the financial conflict and move forward.

“I wanna focus on being informed because that protects you. Whether your marriage is fantastic or not fantastic and heading towards divorce, being informed protects you.”
- Tracy Coenen

Timestamps
01:19 - Introduction for today's episode
02:40 - Tracy's introduction
03:57 - About being a forensic accountant
05:45 - What can women do to protect themselves before their money is taken?
08:07 - Red flags of a potential financial infidelity
09:48 - How to figure out hidden assets?
11:48 - Resources and services for forensic accounting
13:13 - Tips for people to protect themselves who are going through a divorce
15:09 - Take away from this episode
16:40 - About not being ashamed of your financial situation
17:43 - How long does a usual financial infidelity case take?
18:35 - When to hire a forensic accountant?
20:38 - Where to find a forensic accountant?
22:01 - What to ask a forensic accountant before hiring them?
23:30 - About the Divorce Money Guide red flag quiz

Whether you've been stuck in the paycheck to paycheck rat race or just waiting for the "right time" to get started, or struggling to get started....this is the turning point you've been waiting for! Join The Money Plan Bootcamp and learn the simple steps to managing your finances while staying sane so you can finally create a system that actually works for YOU! 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
• Code ASHLEY will give you $100 off for the Divorce Money Guide: www.divorcemoneyguide.com

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Connect with Tracy:

• Instagram: https://www.instagram.com/divorcemoneyguide/
• FB: https://www.facebook.com/divorcemoneyguide
• Website: https://www.divorcemoneyguide.com
• Linkedin: https://www.linkedin.com/in/tracycoenen/

Special Guest: Tracy Coenen.

Derek Hagen is the founder of Money Health Solutions, a financial therapy and consulting firm helping clients develop a healthy relationship with money and live with money mindfulness.

Newsletter Signup: www.MoneyHealthSolutions.com/newsletter
Money Health Solutions: www.MoneyHealthSolutions.com
Money Health Blog: www.MoneyHealthSolutions.com/money-health-blog
Instagram: www.Instagram.com/MoneyPsychology
YouTube: www.YouTube.com/channel/UCzxa3kSIepfQAeZz9cbA-tA
Facebook: www.Facebook.com/MoneyHealthSolutionsLLC

Resources mentioned:
FREE 5 Day Cutting Expenses Challenge
Atomic Habits by James Clear (affiliate link) https://amzn.to/2RK200Z
Tiny Habits by BJ Fogg (affiliate link) https://amzn.to/3a9RMxm

Special Guest: Derek Hagan.