In today's episode, we're tackling crucial questions, from managing 0% interest debt to making the switch from credit cards to cash. Join us for quick insights into staying motivated with your budget and navigating challenges when you feel "house poor."

Ready to dive in? Hit play and let's explore these essential money mindset topics together. Don't forget to leave your messages for our 200th celebration!

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.

“Keep in mind that a budget is just a plan for your money. And so the motivation to stick with it is the bigger piece, right? And it takes a lot more time. You're gonna have ups and downs in life, ebbs and flows, different seasons. That's normal. And I think when you release this expectation that you're gonna always be motivated or you're just always gonna get it right and lower your expectations, be a little bit more realistic with your expectations, you're gonna be able to just keep going even when you aren't motivated.”
- Ashley Patrick

Timestamps:
00:00 - Introduction and 200th episode celebration message
03:03 - Question 1: Prioritizing 0% interest debt
06:33 - Question 2: Transitioning from credit cards to cash
10:04 - Question 3: Finding motivation in your budgeting journey
13:48 - Question 4: Dealing with being "house poor"
17:49 - Question 5: To pay off debt or keep investing?
21:04 - Wrapping up and 200th episode celebration reminder

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:

• Please send your voice messages here: www.speakpipe.com/budgetsmadeeasy
• Paying Off Debt Starter Kit: www.budgetsmadeeasy.com/debt

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

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

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

Hosting Today:

Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier.

I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems.

Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others.

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

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

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

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

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

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

Resources and Links Mentioned:

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

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

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Discover how 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

I'm back for the third part of our Q&A series!

In this episode, I'll answer more questions from Money Plan Bootcamp members, such as how to find time as a busy parent, how to stay motivated, how to stay on track and on budget when you have small children at home, and how far in advance you should plan your next month's budget.

Hosting Today:
Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier.

I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems.

Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others.

“You really have to figure out what is going to keep you going when you're not motivated. And guess what that is? Habits and routines. So what I just talked about, habits and routines will keep you doing what you need to do when you don't feel like it.”
- Ashley Patrick

Timestamps:
00:00 - The topic of today's episode
04:29 - How to find time as a busy parent
12:56 - How to stay motivated
16:41 - How to stay on track and on budget with small children at home
21:14 - How far in advance should you plan your next month's budget
30:47 - How to sign up for your own Budget Strategy Session episode

If you'd like to work through your own struggle with your budget 1:1 with me, sign up for a FREE Budget Strategy Session on The Money Mindset Podcast! Sign up at www.budgetsmadeeasy.com/strategy

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

Resources and Links Mentioned:

• Get your Kickstart 2023 Bundle here: www.budgetsmadeeasy.com/kickstart
• Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy