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

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

Join us as we dive into a live Budget Strategy Session, where the members of the Money Plan Bootcamp share their challenges and learn how to navigate budgeting, saving, and debt repayment.

Whether you're struggling with paycheck allocation or juggling unexpected expenses, this episode offers practical insights to help you take control of your finances.

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.

“Well, it can feel like you're stuck or not making any progress because you're still in that messy phase of trying to get caught up. But once you get there, imagine how much more progress you're going to be able to make compared to if you hadn't been doing any of this at all, right? Then you'll be able to see the reward and feel the progress.”
- Ashley Patrick

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:

• If you'd like to join us in Money Success Club go to www.budgetsmadeeasy.com/msc we'd love to have you!

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

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

We're breaking down the numbers and comparing the savings on various items to see if the convenience of bulk buying truly adds up. Join me as I share my personal experiences, tips for smart shopping, and reveal surprising insights on where you can maximize your savings.

Whether you're a loyal warehouse shopper or prefer the local grocery, this episode will make you rethink your shopping strategy.

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 do wanna still compare prices. 'cause like I said, not everything is cheaper at a warehouse store and you do wanna go in there with a plan and a shopping list so that you don't buy just random stuff because it's like, oh I need this, it's a good deal, I need this. It's a good deal. That happens to me a lot.”
- Ashley Patrick

Timestamps:
01:17 - Introduction to the episode
03:19 - Tips for shopping wisely at warehouse stores, including comparing prices and shopping lists
05:44 - Exploring membership costs and potential discounts, plus additional benefits like fuel savings
08:33 - Using Google Sheets for effective price comparison
17:34 - More insights on shopping wisely at warehouse stores
19:43 - 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:

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

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Join me as we dive deep into strategies to cut costs, maximize savings, and make informed choices without sacrificing nutrition or flavor. From practical meal planning tips to understanding the USDA food cost guidelines, we've got your back on this journey towards financial freedom.

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 key here, right? Is making it realistic for your family. It's not gonna be the same for everybody. And like I said, it's not gonna be like, oh my gosh, you overspent, your budget should be $300 a month. You should not be spending $800 a month. Well, it depends, right? It depends on your family, depends on where you live a lot of times. But what the point is, is to be intentional and mindful about what you're spending. And if you are just way overspending and that's not what you wanna put your money towards, then you can start making those changes, right? But if you like to cook, you like to spend money on food, that's fine too, right? It's all about priorities.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to the podcast episode
04:16 - Determining your ideal food budget
05:37 - Saving money with pre-packaged meals
08:11 - Making the most of deep freezers
10:42 - USDA food plan and food costs
14:20 - Setting realistic spending goals for individuals, couples, and families of various sizes
18:56 - Final thoughts
20:22 - How to sign up for the Money Success Club

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

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

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

Resources and Links Mentioned:

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

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, Ashley breaks down the factors to consider when establishing your emergency fund, such as job security, upcoming expenses, and other important aspects that influence your savings goals. Join Ashley as she shares practical advice to help you navigate personal finance with confidence.

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

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

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

“If you have never saved anything, set a baseline goal of 500 and then once you hit that, then work toward a larger goal so that you can have a win and that you can hit a milestone quicker and easier so that you can get motivated to keep going, right? Because that is the most important thing is for you to keep going.”
- Ashley Patrick

Timestamps:
00:00 - Introduction and the significance of saving for emergencies
02:59 - Tailoring your emergency fund to your unique situation
04:32 - Factors to consider when deciding how much to save
09:53 - Setting goal milestones
11:53 - Overcoming setbacks and staying motivated on your financial journey

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

• Sign up for the your ⭐️FREE⭐️ Pass to the 6th Annual Purpose Driven Mom Virtual Summit will give you access to an exclusive portal where you can view each one during the week of June 19-23.

🎟 Just sign up here to get your ticket! 🎟

In episode 3 of the Budget Series on the Money Mindset podcast, we delve into the little things that often disrupt our budgets—the unexpected expenses that catch us off guard. Join us as we explore the importance of planning for these irregular but necessary costs and how sinking funds can help. Discover practical strategies for allocating funds for expenses such as holidays, birthdays, vacations, clothes, school supplies, and more.

Whether you prefer a detailed breakdown or a simplified approach, we've got you covered. Learn how to prioritize your spending and gain peace of mind, knowing you're prepared for those budget-busting surprises.

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

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

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

“Just know that you need to have a plan and know that these expenses are coming up so that mentally you're prepared as well as financially. Because mentally when these things come up, we feel like we failed because we didn't know or we forgot we didn't have the money set aside. But if you can pay for it without going further into debt, that's a huge win.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to episode 3 of the Budget Series
01:56 - Step 3: Planning for those things that ruin your budget
03:42 - Different approaches to managing sinking funds
05:39 - Examples of sinking fund categories
10:10 - Flexibility in adjusting sinking fund allocations
11:16 - Prioritizing sinking funds based on personal preferences and needs
16:46 - Where to get the Budget Planner and Budget Spreadsheet

Tired of wondering why you can't seem to get on track with your budget? It's because you don't have a proper plan for your money! Grab the Printable Budget Planner and the Paycheck Budget Spreadsheet and create a plan you can actually stick to! Visit www.budgetsmadeeasy.com/planner and www.budgetsmadeeasy.com/spreadsheet to get your planner and spreadsheet 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:

Save $10 on the printable planner and spreadsheet:

Code BS10

• Printable Budget Planner www.budgetsmadeeasy.com/planner
• Paycheck Budget Spreadsheet www.budgetsmadeeasy.com/spreadsheet

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

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

Each day I will give you a small task to help declutter your finances and the mental load of juggling everything.

This will also be on The Money Mindset Podcast episodes 138 - 142.

Follow along with the workbook at www.budgetsmadeeasy.com/spring

We will also have some prizes and discussion in the FREE Facebook Budgets Made Easy w/Ashley Community at https://www.facebook.com/groups/131352297387593

Grab the Money Saving Challenges on sale this week only at https://leads.budgetsmadeeasy.com/savings-bundle-2023

Each day I will give you a small task to help declutter your finances and the mental load of juggling everything.

This will also be on The Money Mindset Podcast episodes 138 - 142.

Follow along with the workbook at www.budgetsmadeeasy.com/spring

We will also have some prizes and discussion in the FREE Facebook Budgets Made Easy w/Ashley Community at https://www.facebook.com/groups/131352297387593

Grab the Money Saving Challenges on sale this week only at https://leads.budgetsmadeeasy.com/savings-bundle-2023

Each day I will give you a small task to help declutter your finances and the mental load of juggling everything.

This will also be on The Money Mindset Podcast episodes 138 - 142.

Follow along with the workbook at www.budgetsmadeeasy.com/spring

We will also have some prizes and discussion in the FREE Facebook Budgets Made Easy w/Ashley Community at https://www.facebook.com/groups/131352297387593

You can also now follow along on YouTube at https://www.youtube.com/c/budgetsmadeeasy?sub_confirmation=1

Each day I will give you a small task to help declutter your finances and the mental load of juggling everything.

This will also be on The Money Mindset Podcast episodes 138 - 142.

Follow along with the workbook at www.budgetsmadeeasy.com/spring

We will also have some prizes and discussion in the FREE Facebook Budgets Made Easy w/Ashley Community at https://www.facebook.com/groups/131352297387593

You can also now follow along on YouTube at https://www.youtube.com/c/budgetsmadeeasy?sub_confirmation=1

Each day I will give you a small task to help declutter your finances and the mental load of juggling everything.

This will also be on The Money Mindset Podcast episodes 138 - 142.

Follow along with the workbook at www.budgetsmadeeasy.com/spring

We will also have some prizes and discussion in the FREE Facebook Budgets Made Easy w/Ashley Community at https://www.facebook.com/groups/131352297387593

You can also now follow along on YouTube at https://www.youtube.com/c/budgetsmadeeasy?sub_confirmation=1

Day 1 YouTube video is here: https://youtu.be/VoovMCUxqRk

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

Listen in as Ashley shares a couple of Money Savings Challenges that you can do on a monthly basis to make saving money a lot more fun.

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 we gotta set realistic expectations for yourself so that it is motivating. So you wanna do it again, right? But if you just set your expectations too high and you wanna not spend anything for an entire month and that's not realistic and you end up having to spend some money, then you feel like you failed and what was the point, right? So make it something that is doable for you.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to today's episode
02:37 - No spend challenge
04:14 - Make it doable
06:41 - Pantry or Freezer challenge
10:07 - The $5 challenge
12:36 - No eating out challenge
14:43 - The Money Plan Bootcamp

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:

• Get the Kickstart 2023 Bundle here: www.budgetsmadeeasy.com/kickstart

Connect with Ashley:

• Instagram: www.instagram.com/budgetsmadeeasy

Then you’re in the right place! Join Deanna and I, where we will be going over:

• How to get started with decluttering and what impact this can have on your financial goals
• Tips on deciding what to sell, what to get rid of and how you can price your items appropriately
• 3 awesome organization tips: the container method, setting up a command center and organizing your pantry
• And finally the big takeaway on incorporating these things to become habits so you achieve your goals with ease

_“You've got to figure out why you're wanting to save money and your goal has to be bigger than the pain that it's going to take to overcome that hurdle.”

• Deanna Yates_

Deanna Yates is the founder and CEO of Wannabe Clutter Free and the host of the popular podcast, the Wannabe Minimalist Show, where she helps busy families learn how to let go of the stuff holding them back so they can enjoy more time together, stop spending their weekends cleaning house, and wake up excited for the day ahead.

Deanna is mom to one daughter, wife to a startup entrepreneur, and is living her dream life in San Diego, CA. When she's not helping clients realize their dreams, you can find her paddle boarding, searching for the tastiest breakfast burrito, or balancing her love of world travel with her love of snuggling on the couch.

Timestamps
00:03:19 - Deanna's Introduction
00:04:43 - How to get started with decluttering and how that translates to your finances
00:06:36 - The first thing to do before looking at your stuff
00:09:41 - Deciding on what to sell or get rid of
00:11:51 - How to price the things you're selling appropriately
00:15:16 - Organization tip: the container method
00:19:15 - Organization tip: setting up a command center
00:25:39 - Organization tip: organizing your pantry and setting up a snack area
00:27:46 - Last words of wisdom on achieving financial and decluttering goals. How to incorporate these things to become habits.

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

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

Resources and Links Mentioned:
FREE Budget Starter Kit - http://www.budgetsmadeeasy.com/start
Book Recommendation: Daring Greatly by Brene Brown - www.amazon.com/dp/1592408419
Atomic Habits by James Clear (aff link) https://amzn.to/3wR3EmW

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

Special Guest: Deanna Yates.

After her marriage ended, she was told that she would never make it on her own.

Well she told herself that she could, and she did!

Hear her story about how she made it work, got creative to make extra money and save for her goals.

Plus her advice for you to get going on your financial goals even if you don't believe you can.

Resources mentioned in this episode:
FREE Budget Starter Kit: www.budgetsmadeeasy.com/start
One Life We Arw Given by Mark Nepe (aff link) https://amzn.to/3u2tD7M

Don't forget to leave us a review if you loved this episode!

Special Guest: Tiffany Cantrall.

In this episode, Cara Harvey, productivity coach, shares her meothod for getting things done by focusing on what is important right now. Her tips apply to many areas of your life, including your finances, so you can avoid the burnout!

Resources mentioned:
Free Budget Starter Kit: www.budgetsmadeeasy.com/start
The 15 Minute Formula by Cara Harvey (aff link) https://amzn.to/3pJsIIm

Special Guest: Cara Harvey.