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

Fall isn’t just about cozy sweaters and pumpkin spice—it’s about setting yourself up for peace of mind before the holidays hit. A solid fall financial game plan helps you save, reduce stress, and feel confident heading into the new year.

Follow these 5 steps to set yourself up for success in 2026!

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

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'll explore how the podcast has grown since September 2019, discussing the challenges we've faced and emphasizing the importance of commitment and progress. We'll also reveal our exciting plans for 2024, which include launching a new coaching program, expanding our content on YouTube and the upcoming launch of the revamped paycheck budget spreadsheet to help you manage your finances more effectively.

Join us as we share the highlights and set the stage for an even more exciting and promising future in the Money Mindset podcast.

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 can make the most perfect budget, but it doesn't matter if it's just on paper. You have to actually follow through with it. You've got to change, you have to change your habits, you have to change your mindset, you have to change the way you think about your money.”
- Ashley Patrick

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 https://leads.budgetsmadeeasy.com/money-plan-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:

• Money Plan Bootcamp: https://leads.budgetsmadeeasy.com/money-plan-bootcamp/
• Episode 38 - How Marcus Paid Off $30,000 In Debt: https://www.themoneymindsetpodcast.com/38
• Episode 175 - You DON’T need a monthly budget: https://www.themoneymindsetpodcast.com/175
• Episode 170 - How 2 Teachers are paying off $400,000 in debt!: https://www.themoneymindsetpodcast.com/170
• Episode 118 - BBMU - How to Start Changing Your Behavior: https://www.themoneymindsetpodcast.com/118

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

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

Discover how letting go of perfectionism and setting realistic expectations can lead to long-term success. Ashley shares her own experiences and provides valuable insights to help you stay motivated and keep moving forward.

Don't miss out on this episode that will shift your mindset and propel you towards financial freedom. Tune in now and start transforming your relationship with 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.

“You gotta be a little flexible and let go of the perfectionism a little bit because it's not gonna be perfect. And so you've gotta have some realistic expectations for your budget, your plan, yourself, and just know stuff's gonna come up. You know, you can't control everything. And a lot of the perfectionism comes from trying to control everything.”
- Ashley Patrick

Timestamps:
01:18 - Introduction to today's episode
01:48 - Understanding perfectionism
03:40 - Setting realistic expectations for success
07:03 - Lowering expectations to surpass goals and stay motivated
08:16 - Invitation to the Debt to Wealth Bundle and free training 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

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

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

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

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

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

Well, let's fix that!

In today's episode I will be discussing with Monica about the right way to set goals and when you should be doing it. Hint: it's now, not January.

Meet Monica!
Monica, “Monie”, is a personal finance author and blogger committed to educating solo parents to go from financial couch potato to superstar. She shares her story of divorce, raising kids and $257,000 of debt to 10 years later reaching financial independence.

“So SMART goals is an acronym for specific, measurable, attainable, relevant and time, time constrained or time bound. And that, that was huge. But I think the step before that for me was understanding what was important. What were my priorities? Where did I really wanna focus? What did I value? And once I had a kind of a general idea of that, the smart goals really helped to kind of evolve that and massage that into concrete steps that I could take.”
- Monica Scudieri

Timestamps
00:00 - Introduction for today's episode
04:25 - Meet Monica
06:24 - Monica's goal setting process
09:40 - Setting micro goals everyday
11:49 - How often should you review your goals
12:49 - Creating habits and routines to build consistency
13:47 - How often should you evaluate and redo your goals
20:33 - What are SMART goals
23:41 - Last words of wisdom
25:14 - Rewarding yourself for each goal achieved

Need help? Sign up for a no cost Budget Strategy Session with me! Pick your time here: 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

Connect with Monica:

• Instagram: https://www.instagram.com/Monica_GYS1
• Twitter: https://twitter.com/Grab_Your_Slice
• Website: https://www.GrabYourSlice.com
• Linkedin: https://www.linkedin.com/in/MonicaScudieri

Special Guest: Monica Scudieri.

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