web02.fireside.fm Wed, 15 Apr 2026 16:28:26 -0500 Fireside (https://fireside.fm) Money Mindset Podcast - Budgets Made Easy - Episodes Tagged with “Savings” https://www.themoneymindsetpodcast.com/tags/savings Tue, 14 May 2024 06:00:00 -0400 The Money Mindset Podcast is hosted by Ashley Patrick from Budgets Made Easy. This is the place for women where you will learn how to budget, save money, and pay off debt fast in the midlife and empty nest season of life so you can afford to travel and actually retire. You will find advice and tips on budgeting for beginners, relationships and money, budgeting by paycheck, goal planning, creating a vision for your life and all the inspiration you need to get you there. If you are searching for answers like these..... How to budget and stick to it? How to budget for beginners? How to pay off debt fast? How to start a budget when overwhelmed? How to save money on groceries? How to pay off student loans? How to start investing? How to pay for college? Then this is the podcast for you! New episodes every Monday and Thursday. en-us episodic Helping midlife women and empty nesters get their money stuff together so they can enjoy this season of life while looking toward retirement. Ashley Patrick The Money Mindset Podcast is hosted by Ashley Patrick from Budgets Made Easy. This is the place for women where you will learn how to budget, save money, and pay off debt fast in the midlife and empty nest season of life so you can afford to travel and actually retire. You will find advice and tips on budgeting for beginners, relationships and money, budgeting by paycheck, goal planning, creating a vision for your life and all the inspiration you need to get you there. If you are searching for answers like these..... How to budget and stick to it? How to budget for beginners? How to pay off debt fast? How to start a budget when overwhelmed? How to save money on groceries? How to pay off student loans? How to start investing? How to pay for college? Then this is the podcast for you! New episodes every Monday and Thursday. no budgeting for beginners, how to budget, money, debt, save, saving money, paying off debt fast, money mindset, improving finances, stop living paycheck to paycheck Ashley Patrick ashley@budgetsmadeeasy.com #213 The 3 Bank Accounts You Need https://www.themoneymindsetpodcast.com/213 975e7196-dbb6-445f-a1e4-0ea5fd513732 Tue, 14 May 2024 06:00:00 -0400 Ashley Patrick 213 #213 The 3 Bank Accounts You Need full Ashley Patrick Ever wondered if you have the right number of bank accounts to manage your finances effectively? Join us as we explore the optimal setup for your financial success, discussing how to balance multiple accounts for various needs. 7:38 no Curious about how many bank accounts you should have? In this episode of the Money Mindset Podcast, we delve into the often-asked question of managing multiple bank accounts. From understanding the benefits of having dedicated accounts for bills, spending, and savings, to the challenges and strategies for maintaining numerous accounts, this episode offers practical advice for anyone looking to streamline their financial management. Tune in to learn how to optimize your bank accounts for a stress-free budgeting experience. 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, at a minimum, what I like to see when I work with my one-on-one clients is one account for paying bills, one account for spending, and one account for saving. Now, ideally, eventually, you're probably going to need more than that for different savings accounts or to split up the spending a little bit, depending on how well you're sticking to the plan. But to start, I like three bank accounts.” - 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 bank accounts, spending, saving, multiple bank accounts Curious about how many bank accounts you should have? In this episode of the Money Mindset Podcast, we delve into the often-asked question of managing multiple bank accounts.

From understanding the benefits of having dedicated accounts for bills, spending, and savings, to the challenges and strategies for maintaining numerous accounts, this episode offers practical advice for anyone looking to streamline their financial management.

Tune in to learn how to optimize your bank accounts for a stress-free budgeting experience.

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, at a minimum, what I like to see when I work with my one-on-one clients is one account for paying bills, one account for spending, and one account for saving. Now, ideally, eventually, you're probably going to need more than that for different savings accounts or to split up the spending a little bit, depending on how well you're sticking to the plan. But to start, I like three bank accounts.”
- 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:

Connect with Ashley:

]]> Curious about how many bank accounts you should have? In this episode of the Money Mindset Podcast, we delve into the often-asked question of managing multiple bank accounts.

From understanding the benefits of having dedicated accounts for bills, spending, and savings, to the challenges and strategies for maintaining numerous accounts, this episode offers practical advice for anyone looking to streamline their financial management.

Tune in to learn how to optimize your bank accounts for a stress-free budgeting experience.

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, at a minimum, what I like to see when I work with my one-on-one clients is one account for paying bills, one account for spending, and one account for saving. Now, ideally, eventually, you're probably going to need more than that for different savings accounts or to split up the spending a little bit, depending on how well you're sticking to the plan. But to start, I like three bank accounts.”
- 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:

Connect with Ashley:

]]> #184 Can't stop spending money? Do this first 👇 https://www.themoneymindsetpodcast.com/184 78ea07f9-b10e-4dc2-ade1-2283594b9c01 Tue, 31 Oct 2023 06:00:00 -0400 Ashley Patrick 184 #184 Can't stop spending money? Do this first 👇 full Ashley Patrick Have you ever been caught in the endless cycle of impulsive spending, guilt, and regret? Join us to learn how to break free and gain control over your finances. 19:09 no Do you ever find yourself in a never-ending cycle of impulsive spending, guilt, and regret? You're not alone. It's a challenge that many face. In this episode, we tackle this very issue head-on. Join us as we discuss tips and strategies to break free from the cycle of mindless spending. Discover how asking one simple question can transform your spending habits and bring intentionality into your financial life. Tune in to learn the secrets of mindful spending and set yourself on a 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. “Consistency isn't about getting it a hundred percent right a hundred percent of the time. Okay? That's not gonna happen. That is an unrealistic expectation of yourself. It's about getting it mostly right most of the time. And that's what habits and routines are. So as you start working this process, it will become more of a habit and a routine. But you will have setbacks from time to time and it's not gonna derail you forever. Like it is not gonna set you back. Like you just have to keep going, right? But if you are consistently doing these things that we talked about, going down the rabbit hole and spending money you don't have, yeah, that's gonna keep you stuck until you change things.” - Ashley Patrick Timestamps: 00:00 - Introduction to the episode 02:33 - Impulsive spending and its impact on financial goals 07:21 - The power of asking a crucial question before making a purchase 10:06 - Practical Tips to Stay Focused on Your Financial Goals 15:55 - The importance of setting a SMART goal 17:06 - The role of consistency and habits in achieving financial success 18:13 - 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 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 Financial goals, impulsive spending, money management, saving money, mindful spending Do you ever find yourself in a never-ending cycle of impulsive spending, guilt, and regret? You're not alone. It's a challenge that many face.

In this episode, we tackle this very issue head-on. Join us as we discuss tips and strategies to break free from the cycle of mindless spending. Discover how asking one simple question can transform your spending habits and bring intentionality into your financial life.

Tune in to learn the secrets of mindful spending and set yourself on a 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.

“Consistency isn't about getting it a hundred percent right a hundred percent of the time. Okay? That's not gonna happen. That is an unrealistic expectation of yourself. It's about getting it mostly right most of the time. And that's what habits and routines are. So as you start working this process, it will become more of a habit and a routine. But you will have setbacks from time to time and it's not gonna derail you forever. Like it is not gonna set you back. Like you just have to keep going, right? But if you are consistently doing these things that we talked about, going down the rabbit hole and spending money you don't have, yeah, that's gonna keep you stuck until you change things.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to the episode
02:33 - Impulsive spending and its impact on financial goals
07:21 - The power of asking a crucial question before making a purchase
10:06 - Practical Tips to Stay Focused on Your Financial Goals
15:55 - The importance of setting a SMART goal
17:06 - The role of consistency and habits in achieving financial success
18:13 - 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 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:

Connect with Ashley:

]]> Do you ever find yourself in a never-ending cycle of impulsive spending, guilt, and regret? You're not alone. It's a challenge that many face.

In this episode, we tackle this very issue head-on. Join us as we discuss tips and strategies to break free from the cycle of mindless spending. Discover how asking one simple question can transform your spending habits and bring intentionality into your financial life.

Tune in to learn the secrets of mindful spending and set yourself on a 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.

“Consistency isn't about getting it a hundred percent right a hundred percent of the time. Okay? That's not gonna happen. That is an unrealistic expectation of yourself. It's about getting it mostly right most of the time. And that's what habits and routines are. So as you start working this process, it will become more of a habit and a routine. But you will have setbacks from time to time and it's not gonna derail you forever. Like it is not gonna set you back. Like you just have to keep going, right? But if you are consistently doing these things that we talked about, going down the rabbit hole and spending money you don't have, yeah, that's gonna keep you stuck until you change things.”
- Ashley Patrick

Timestamps:
00:00 - Introduction to the episode
02:33 - Impulsive spending and its impact on financial goals
07:21 - The power of asking a crucial question before making a purchase
10:06 - Practical Tips to Stay Focused on Your Financial Goals
15:55 - The importance of setting a SMART goal
17:06 - The role of consistency and habits in achieving financial success
18:13 - 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 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:

Connect with Ashley:

]]> #178 "I suck with money" and other mindsets holding us back https://www.themoneymindsetpodcast.com/178 53043034-4a26-47f4-9a2f-5b678208957a Mon, 02 Oct 2023 06:00:00 -0400 Ashley Patrick 178 #178 "I suck with money" and other mindsets holding us back full Ashley Patrick Ever felt like you're too old, lazy, or just not good with money? Discover how these beliefs can impact your financial journey. 8:20 no Are negative thoughts about your finances holding you back from achieving your money goals? 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 money mindset, success story, how to control your finances, money struggles Are negative thoughts about your finances holding you back from achieving your money goals?

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:

Connect with Ashley:

]]> Are negative thoughts about your finances holding you back from achieving your money goals?

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:

Connect with Ashley:

]]> #104 BSS - Getting the Family to Stop Spending so You Can Stay at Home! https://www.themoneymindsetpodcast.com/104 6bde4073-229b-4aa1-ab88-40a1278874b2 Mon, 28 Nov 2022 06:00:00 -0500 Ashley Patrick 104 #104 BSS - Getting the Family to Stop Spending so You Can Stay at Home! full Ashley Patrick #103 BSS w/Heather who wants to be able to quit her job and stay at home with her kids but she can't get the rest of the family to stop spending money! 42:51 no Do you want to quit your job so you can stay at home with your kids, but can't because the rest of your family is unable to stop spending money? Listen to today's episode as I discuss some action steps Heather can take with her family so she can quit her job and stay at home with the kids, such as using cash instead of credit cards, preparing freezer meals, setting time frames, and creating visual trackers to get everyone on board with her goals. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “I really encourage people to start working on their behavior before they do something like that so that you've already kind of laid that groundwork. Because what almost always happens is people refinance, they get comfortable and then they rack up the debt again.” - Ashley Patrick Timestamps 00:00 - Overview of today's episode 01:32 - How to have your own Budget Strategy Session 02:39 - Get to know Heather 06:23 - Discussing your financial goals together as a family 08:01 - Using cash instead of credit cards 12:30 - About refinancing and changing your behavior 13:16 - Setting time frame and visuals for your goals 15:05 - Preparing freezer meals 16:24 - Creating a visual tracker 17:35 - Getting everybody on board to work together towards your goal 22:04 - Heather's 24 hour goal 39:38 - Giving yourself some grace 41:15 - Last words of wisdom If you'd like to work through your own struggle with your budget 1:1 with me, sign up for a free Budget Strategy Session on The Money Mindset Podcast! Sign up at www.budgetsmadeeasy.com/strategy And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy refinance, saving, paying off debt, quit job, stay at home Do you want to quit your job so you can stay at home with your kids, but can't because the rest of your family is unable to stop spending money?

Listen to today's episode as I discuss some action steps Heather can take with her family so she can quit her job and stay at home with the kids, such as using cash instead of credit cards, preparing freezer meals, setting time frames, and creating visual trackers to get everyone on board with her goals.

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

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

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

“I really encourage people to start working on their behavior before they do something like that so that you've already kind of laid that groundwork. Because what almost always happens is people refinance, they get comfortable and then they rack up the debt again.”
- Ashley Patrick

Timestamps
00:00 - Overview of today's episode
01:32 - How to have your own Budget Strategy Session
02:39 - Get to know Heather
06:23 - Discussing your financial goals together as a family
08:01 - Using cash instead of credit cards
12:30 - About refinancing and changing your behavior
13:16 - Setting time frame and visuals for your goals
15:05 - Preparing freezer meals
16:24 - Creating a visual tracker
17:35 - Getting everybody on board to work together towards your goal
22:04 - Heather's 24 hour goal
39:38 - Giving yourself some grace
41:15 - Last words of wisdom

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

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

Resources and Links Mentioned:

Connect with Ashley:

]]> Do you want to quit your job so you can stay at home with your kids, but can't because the rest of your family is unable to stop spending money?

Listen to today's episode as I discuss some action steps Heather can take with her family so she can quit her job and stay at home with the kids, such as using cash instead of credit cards, preparing freezer meals, setting time frames, and creating visual trackers to get everyone on board with her goals.

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

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

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

“I really encourage people to start working on their behavior before they do something like that so that you've already kind of laid that groundwork. Because what almost always happens is people refinance, they get comfortable and then they rack up the debt again.”
- Ashley Patrick

Timestamps
00:00 - Overview of today's episode
01:32 - How to have your own Budget Strategy Session
02:39 - Get to know Heather
06:23 - Discussing your financial goals together as a family
08:01 - Using cash instead of credit cards
12:30 - About refinancing and changing your behavior
13:16 - Setting time frame and visuals for your goals
15:05 - Preparing freezer meals
16:24 - Creating a visual tracker
17:35 - Getting everybody on board to work together towards your goal
22:04 - Heather's 24 hour goal
39:38 - Giving yourself some grace
41:15 - Last words of wisdom

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

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

Resources and Links Mentioned:

Connect with Ashley:

]]> 82: #82 BSS - Ways to Stop Impulse Spending Especially w/ADHD https://www.themoneymindsetpodcast.com/82 c79fb153-a3f8-4d63-b07c-7c3bb18059d8 Thu, 08 Sep 2022 06:00:00 -0400 Ashley Patrick 82 #82 BSS - Ways to Stop Impulse Spending Especially w/ADHD full Ashley Patrick Are you constantly getting distracted and spending online? These simple tips will help you break the cycle of mindlessly spending. 26:27 no We’ve all been guilty of impulse spending. Many people find it hard to resist because it’s so easy and so instantly rewarding, and for people with ADHD, keeping impulse spending in check can be challenging. Listen in as I share tips on how to gain control of it by creating new habits and routines to help with consistency, setting up barriers and roadblocks to your spending, and how creating a written budget and doing a simple action can help stop your overspending. Hosting Today: I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday. After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business. Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances. “So, you know, just little baby steps, you know the one small action that you can do this week. And it could be as simple as deleting the Amazon app off your phone or deleting the credit cards that are saved in there to make it harder for you to spend on Amazon. Like you got to take an extra step to spend money. Like you can delete your cards out of there and then you have to like, go get your car. It's like so much more effort. Right? Cause it's so easy. They have it set up so easy to spend money.” -Ashley Patrick Timestamps 00:01 - Introduction for today's episode 02:43 - Meet Haze 06:07 - About emotional spending 07:34 - Setting up roadblocks to your spending 09:35 - Haze's goals for the next 2 years 12:06 - About consistency 14:10 - Creating visuals of your dreams 14:55 - Doing small actions to help stop overspending 17:59 - Setting up new habits and routines 21:31 - Writing down your budget to track your spending If you would like to sit down with me and discuss what you are struggling with and some steps that you can take to make progress and get over that big struggle, I invite you to sign up for your own Budget Strategy Session episode at budgetsmadeeasy.com/strategy and have a mini coaching session with me. And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy We’ve all been guilty of impulse spending.

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

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

Hosting Today:

I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday.

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

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

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

If you would like to sit down with me and discuss what you are struggling with and some steps that you can take to make progress and get over that big struggle, I invite you to sign up for your own Budget Strategy Session episode at budgetsmadeeasy.com/strategy and have a mini coaching session with me.

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

Resources and Links Mentioned:

Connect with Ashley:

]]> We’ve all been guilty of impulse spending.

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

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

Hosting Today:

I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday.

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

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

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

If you would like to sit down with me and discuss what you are struggling with and some steps that you can take to make progress and get over that big struggle, I invite you to sign up for your own Budget Strategy Session episode at budgetsmadeeasy.com/strategy and have a mini coaching session with me.

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

Resources and Links Mentioned:

Connect with Ashley:

]]> #73 How to Use Fear of Failing as a Tool https://www.themoneymindsetpodcast.com/73 c03bc328-fb7e-4ab2-9fd0-00000c09de8d Mon, 25 Jul 2022 06:00:00 -0400 Ashley Patrick 73 #73 How to Use Fear of Failing as a Tool full Ashley Patrick Feeling the fear around failing with your finances again and again? Do you find yourself hiding the mail in a drawer so that you can avoid facing what's inside? Listen in and learn how you can use fear as a tool to drive you and change your money story. 29:57 no Feeling the fear around failing with your finances again and again? Do you find yourself hiding the mail in a drawer so that you can avoid facing what's inside? It often feels like a huge mental to even think about sorting out your finances, especially when you're doing all the things as a busy mom. Listen in as Rebecca tells us why fear is your friend and what you can do to overcome it so you can manage your finances better. Learn how you can use fear as a tool to drive you and change your money story. Meet Rebecca Wiener McGregor… She is an Amplifier of Love, catalyst for breakthroughs, and author of the beloved book Loving Her: 10 Loving Standards to Call Forward the Wealthy Woman Inside You. She shares her gifts as a transformational hypnotist + money mindset coach committed to helping over-working and over-giving visionaries release old blocks, traumas, and hidden fears to find a deeper sense of self-worth and determination to live life on their own terms while being fulfilled, well-paid, and having loads of fun. “Everything comes down to being a choice. Choice to open those envelopes, the choice to write down the numbers, the choice to do the research of what you've been spending and making decisions from there about what you wanna spend. And the choice to love yourself through the whole process.” - Rebecca Wiener McGregor Timestamps 02:46 - Rebecca's Journey 08:02 - How can we use fear as a tool to get going? 10:26 - How do people get to where they can use the fear and put it into action? 11:56 - Why is it important not to judge yourself? 14:31 - What happens when you attach judgment to an emotion? 15:28 - How can busy moms build their confidence and their self worth around their finances? 20:19 - Women's history with money 23:19 - Why is fear your friend? 24:28 - Why you should stop saying 'I can't afford it.' For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on budgetsmadeeasy.com/start And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes. Resources and Links Mentioned: * Budget Starter Kit: budgetsmadeeasy.com/start * Free Workshop: 4 Steps to Activate Your Money Flow - getinyourmoneyflow.com Book Recommendation: * The Four Agreements by Don Miguel Ruiz * Outrageous Openness by Tosha Silver * The Power of Intention Dr Wayne Dyer Connect with Ashley: * IG: www.instagram.com/budgetsmadeeasy Connect with Guest: * Facebook: :https://www.facebook.com/iamrebeccasue * LinkedIn: https://www.linkedin.com/in/iamrebeccasue/ * Instagram: https://www.instagram.com/iamrebeccasue/ * Tik Tok: https://www.tiktok.com/@iamrebeccasue Special Guest: Rebecca Wiener McGregor. Feeling the fear around failing with your finances again and again?

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

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

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

Meet Rebecca Wiener McGregor…

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

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

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

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

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

Resources and Links Mentioned:

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

Book Recommendation:

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

Connect with Ashley:

Connect with Guest:

Special Guest: Rebecca Wiener McGregor.

]]> Feeling the fear around failing with your finances again and again?

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

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

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

Meet Rebecca Wiener McGregor…

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

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

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

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

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

Resources and Links Mentioned:

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

Book Recommendation:

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

Connect with Ashley:

Connect with Guest:

Special Guest: Rebecca Wiener McGregor.

]]> #67 Why You Should Advocate For Your Financial Health as a Busy Mom https://www.themoneymindsetpodcast.com/67 0b56e81d-e6a8-4191-a1e3-4c19aee3a267 Mon, 13 Jun 2022 06:00:00 -0400 Ashley Patrick 67 #67 Why You Should Advocate For Your Financial Health as a Busy Mom full Ashley Patrick Have you thought about what you want your life to look like? Do you know how to use your money to get you there? Learn how to do that along with the key things you have to keep in mind. 24:29 no → Have you thought about what you want your life to look like? → Do you know how to use your money to get you there? → Do you put restrictions and hold a lot of guilt when it comes to the topic of money? In today’s episode we learn that you’re allowed to spend your money on whatever you want. And in order to do this, there are key factors you have to keep in mind and implement. Listen in as Amy tells us what we should pay attention to, building better habits, what to do if you do and don’t manage the finances, if you should pay off debt or save first and so many other golden nuggets. Who is Amy Schultz? She is Co-Founder and Head Coach at Bolder Money, a company on a mission to close the gender wealth gap through compassionate money coaching for women. Amy transformed her personal challenges with money, work, and motherhood into a community that helps women use their money to build the lives they want. “When we can start tying our emotions to our spending and really being paying attention to why this is happening, that's where we start learning more about our impulses. That's where we can start building better habits.” - Amy Schultz Timestamps 02:37 - Amy’s story and mission 05:43 - The emotional side of money 06:54 - Making good money but still broke 07:38 - The number one thing to start doing 09:36 - Getting your partner onboard with the plan 10:39 - Understand how you were raised around money 12:39 - What to do if someone else takes care of the money 15:51 - Key factors to focus on in the beginning 18:34 - Do you save first or pay off debt first? 20:16 - Last words of wisdom: your support system 21:49 - Book recommendations Want to take the stress off your shoulders? Ready to learn how to create AND stick to your budget?! Check out my Free Workshop: How to Create and Stick to a Budget (even when you are overwhelmed)! Go to budgetsmadeeasy.com/workshop and get started today. And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes. Resources and Links Mentioned: * FREE Workshop: How to Create and Stick to a Budget - budgetsmadeeasy.com/workshop * $49 off our 3-month Money Coaching package. Go to this link to sign up and use code BEBOLDER - https://www.google.com/url?q=https%3A%2F%2Fbuy.stripe.com%2F28og0gcPSg6oa5ibIT&sa=D&sntz=1&usg=AOvVaw2yXKcFvYuXIICt6VBDGH_z Book Reccomendations: * Women Who Run with the Wolves by Clarissa Pinkola Estes - (affiliate link) https://amzn.to/3xrjCTq * Untamed by Glennon Doyle - (affiliate link) https://amzn.to/3zDGYrD Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy Connect with Amy: * IG: instagram.com/amyschultzmoneycoach * IG: instagram.com/bolder.money * Website: www.boldermoney.com Special Guest: Amy Schultz. savings account, busy moms, finances, emergency funds → Have you thought about what you want your life to look like?
→ Do you know how to use your money to get you there?
→ Do you put restrictions and hold a lot of guilt when it comes to the topic of money?

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

Who is Amy Schultz?

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

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

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

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

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

Resources and Links Mentioned:

Book Reccomendations:

Connect with Ashley:

Connect with Amy:

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

Special Guest: Amy Schultz.

]]> → Have you thought about what you want your life to look like?
→ Do you know how to use your money to get you there?
→ Do you put restrictions and hold a lot of guilt when it comes to the topic of money?

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

Who is Amy Schultz?

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

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

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

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

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

Resources and Links Mentioned:

Book Reccomendations:

Connect with Ashley:

Connect with Amy:

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

Special Guest: Amy Schultz.

]]>