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I'm sure you've been given money advice at some point in your life that sounded good at the time, but turned out to be bad advice that cost you money! Today I'm sharing the worst advice we followed that led to our biggest money mistake.....one that will cost us almost $1 MILLION.....yes million....dollars in our lifetimes. But as with all mistakes and setbacks, there is a silver lining! 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. “But you know, we all make mistakes and we learn from each other. So I would love to hear your biggest mistake and maybe you know, what you've learned from that mistake because that's where we really grow and that's where we make the biggest progress in our learning and our journey because we're like, hmm, never wanna do that again. Right? We learn more from our failures and our mess-ups than we do from our successes. And that's just how our brains work.” - Ashley Patrick Timestamps: 00:11 - The Money Success Club 00:57 - The topic of today's episode 02:52 - What made us take out a loan 05:33 - 401(k) loan 10:59 - The start of our debt free journey 12:40 - Tell us about your biggest financial mistake 14:22 - How to sign up for your own Budget Strategy Session episode 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 * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Caring for an aging parent or grandparent can be challenging, particularly if you are unprepared. When you find yourself in this situation, there is a lot to know and do, especially when it comes to legal and financial matters. However, with a lot of planning and preparation, you can work through these difficulties while remaining sane. Listen in as Jen and Ashley offer tips and advice on how to deal with this stressful situation without sacrificing your mental health. Meet Jen! Jen Narciso is the founder of Investor Mama and host of the Investor Mama Podcast. She believes anyone can get out of debt and achieve financial independence by getting educated, changing his or her habits, and changing their money beliefs. Her goal is to help as many moms and families as she can with their money journey so they can set an example for the next generation. Jen has two beautiful young children and one beautiful angel baby. In her “spare” time, she loves to travel, is an adamant reader on anything money related, and most importantly, likes to create memorable moments with her family and friends. “The sooner you could have these conversations the better. And also on the same token, if you don't have this stuff in place, definitely do it for your family as well. Because as hard as it is for you to have these conversations, you don't wanna be a burden onto your kids. And the more things you can prepay in advance for yourself also the better.” - Jen Narciso Timestamps: 00:00 - Introduction to today's episode 01:47 - Meet Jen 08:08 - Conducting research and learning about the disease 10:02 - Get your own support group 11:30 - Estate Planning 12:39 - Healthcare directive 13:29 - Having a will in place 14:09 - Power of attorney 14:30 - Prepare your parents' medical records 15:23 - Know where their money is 16:54 - Consult a local attorney 18:00 - Consult an estate attorney to help you move assets 26:56 - Be kind to yourself and know your limits and boundaries 29:11 - Consider looking for facilities that can provide them with the assistance they need 33:33 - How Jen took care of herself 37:59 - Last words of wisdom Starting and sticking to a money plan doesn't need to be overwhelming! Join my Money Plan Bootcamp where I'll teach you the 5 key steps for creating a money plan you can actually stick to...for FREE!⁣⁣ Go to www.budgetsmadeeasy.com/bootcamp and register today! And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Book Recommendation: * Slight Edge by Jeff Olson Resources and Links Mentioned: * The Money Plan Bootcamp: www.budgetsmadeeasy.com/bootcamp Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy Connect with Jen: * Instagram: https://www.instagram.com/investor_mama/ * Facebook: https://www.facebook.com/investormamapodcast * Website: https://www.investormama.com/connect * 19 Tips for Navigating Money in a Relationship: www.investormama.com Special Guest: Jen Narciso.

Welcome to the very first episode of our new series called the Budget Bestie Meetup! Yay! The Budget Bestie Meetup is a free community meetup that brings together a supportive group of women to talk about money so that we can learn and grow as a community. In this episode, we'll talk about how to start changing your behavior, how to put it into action, and how to incorporate habit stacking into your daily routine. In addition, we will also talk about the different methods to pay off your debt and share our wins for the month. Hosting Today: I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday. After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business. Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances. “So you know, it's tracking your spending, like that is a behavior, it's a habit, it's a routine that we wanna build and create as we're trying to change our behavior. So it's not always the impulsive spending, it's not always the overspending, but it's the little things that we do on the day-to-day. Those habits and routines could also be said instead of behavior. But it is those little things of what we do with our finances. Not always the big things of overspending and you know, shopping way too much on Amazon. Of course that plays into it as well. But you know, mainly the habits and setting up the systems to really be successful in the long run.” - Ashley Patrick Timestamps: 01:18 - About the Budget Bestie Meetup 03:39 - Changing your behavior 07:31 - Implementing your habits and routines 18:14 - Renee's win 16:32 - How to include habit stacking to your daily routine 25:07 - Cindy's win 29:18 - Kristina's win 30:13 - About the snowball, impact, and debt avalanche method 36:58 - Word of the year 39:26 - Kathy's win 40:43 - Trinette's win 41:17 - Paying credit card balance using the snowball method 45:18 - Elizabeth's win 01:01:42 - How to sign up for the Budget Bestie Meetup episode Do you wish you had a supportive group of women like you to connect with about money? Come join me for a Budget Bestie Meetup on The Money Mindset Podcast, and let's learn and grow as a community! You can sign up at www.budgetsmadeeasy.com/meetup. And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Book Recommendation: * Atomic Habits by James Clear Resources and Links Mentioned: * Book your Budget Bestie Meetup episode here-> www.budgetsmadeeasy.com/meetup Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

If you have recently taken a break from your job to focus on personal life or take care of family responsibilities, it can be easy to start falling behind on your finances as you haven't paid much attention to them over the past few months. Fortunately, there are a few things you can do to help you get through this and get your finances back on track. Listen in as Ashley shares some tips with Sy on how to get her finances back on track after taking a break from work, such as tracking her spending, using cash envelopes, and creating a priority list in her budget. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “So just figure out what works for you by trying different things and know it's gonna take practice and it's gonna take time. So don't be afraid to start cuz you feel like you're not sure what to do or which thing to do. Cuz we overthink everything. We overthink all of it and truly it doesn't matter as long as you're taking action and trying something that is progress and you will get there. But if you stay stuck and don't do anything, you won't. Right? You have to like just start doing and just start trying to figure it out.” - Ashley Patrick Timestamps: 01:17 - What today's episode is about 02:29 - How to join the Money Plan Bootcamp 03:36 - Meet Sy 11:27 - Sy's financial struggle 12:11 - Tracking your spending 15:08 - Using cash envelopes 19:02 - Sy's 24 hour goal 21:29 - Creating a priority list 23:47 - How to utilize multiple bank accounts 27:09 - How to sign up for your own Budget Strategy Session episode Starting and sticking to a money plan doesn't need to be overwhelming! Join my Money Plan Bootcamp where I'll teach you the 5 key steps for creating a money plan you can actually stick to...for FREE!⁣⁣ Go to www.budgetsmadeeasy.com/bootcamp and register today! And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: * The Money Plan Bootcamp: www.budgetsmadeeasy.com/bootcamp * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Most people set resolutions for the New Year in an attempt to change their lives for the better - but few actually follow through with them. The problem is that making resolutions without a plan and sticking to it often leads to disappointment and failure. So how can you make sure you keep your resolutions this year? Listen to this episode and learn the key steps you should take in order to make a New Year’s resolution that you can stick to! Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “You've just gotta keep going and know that, you know, failure is part of the journey, but so is success. You can't have one without the other. Believe it or not, they go together, right? And so you have to give yourself some grace and have patience with yourself and know that it is never going to be perfect. It's never gonna be perfect, so then the key is being patient with yourself, giving yourself some grace, keep going, don't give up.” - Ashley Patrick Timestamps: 00:00 - The topic of today's episode 01:08 - The key to sticking to your new year resolutions 01:55 - Giving yourself some grace 05:02 - Keep going and not mentally give up 05:51 - Creating SMART goals 10:37 - About the Money Plan Bootcamp Starting and sticking to a money plan doesn't need to be overwhelming! Join my Money Plan Bootcamp where I'll teach you the 5 key steps for creating a money plan you can actually stick to...for FREE!⁣⁣ Go to www.budgetsmadeeasy.com/bootcamp and register today! And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: * The Money Plan Bootcamp: www.budgetsmadeeasy.com/bootcamp Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Are you ready for a productive and successful year? If you're like most people, your answer is likely a yes. But how can you make that happen? In this episode, Ashley discusses five budget mistakes to avoid in 2023 so that you can have a productive and successful year ahead such as not putting a deadline on tasks, expecting everything to go perfectly, not setting a baseline and mid-level goals, and more! Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “So you're constantly feeling like you're failing because you can't be perfect and your money plan’s never gonna be perfect because that's life and we beat ourselves up and we get in this mental cycle of feeling like we failed because we're not perfect, but we're human. So we literally cannot be perfect. So you've gotta keep going. When bumps come along the way, along the road when there's bumps and life happens, you've gotta keep going. It's never gonna be perfect. But if you keep going, you will be successful. If you stop and quit and avoid, you're not gonna reach your big goals. So you have to keep going and not expect everything to go perfectly.” - Ashley Patrick Timestamps: 00:00 - What today's episode is about 00:25 - How to sign up for the Money Plan Bootcamp 03:04 - Not putting a deadline on tasks 04:37 - Expecting everything to go perfectly 06:14 - Not setting a baseline and mid-level goals 09:45 - Not being intentional 12:31 - Trying to do too much Starting and sticking to a money plan doesn't need to be overwhelming! Join my Money Plan Bootcamp where I'll teach you the 5 key steps for creating a money plan you can actually stick to...for FREE!⁣⁣ Go to www.budgetsmadeeasy.com/bootcamp and register today! And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: * The Money Plan Bootcamp: www.budgetsmadeeasy.com/bootcamp Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Hey everyone, it's question and answer time on the podcast! This is Part 4 of our Q&A series, and I'll be answering some of the questions that Money Plan Bootcamp members have sent in. Listen in as I answer the following questions: How to pay off debt and save while living paycheck to paycheck, How to get past guilt when the plan doesn't work out, and Can you start your monthly budget with the previous month's last paycheck? 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. “Remember, focus on one thing at a time. Budget comes first, saving, then paying off debt. I know you wanna just dive in head first into paying off debt and get it out of your life. I love it when you are that excited about it. But you've gotta really cover the foundational stuff first so that you don't go back into debt later.” - Ashley Patrick Timestamps: 00:00 - Introduction to today's episode 04:18 - How to pay off debt and save while living paycheck to paycheck 09:55 - How to get past the guilt when the plan doesn't go as planned 14:57 - Can you start your budget for the month with the previous month's last paycheck? 16:48 - How to join the Money Plan Bootcamp Starting and sticking to a money plan doesn't need to be overwhelming! Join my Money Plan Bootcamp where I'll teach you the 5 key steps for creating a money plan you can actually stick to...for FREE!⁣⁣ Go to www.budgetsmadeeasy.com/bootcamp and register today! And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: * The Money Plan Bootcamp: www.budgetsmadeeasy.com/bootcamp * Send your questions here -> www.speakpipe.com/budgetsmadeeasy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Does it seem like you are constantly ordering DoorDash and never sticking to your budget because your life is just too busy? When it comes to budgets, many people find themselves struggling with how to stick to a plan, especially the busy moms who work from home while raising their kids. Listen in as Ashley shares some budgeting strategies with Cameron, such as changing her morning routine, making a meal plan, and using a paper and spreadsheet to help her track her budget and stick to it. 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 would consider or think about how you can build 10, 15 minutes into your routine and where the kids are already at school, you don't have the distraction of them and just you can take a few minutes to check in on your budget that will help you stick to it. But keep in mind you're not gonna be perfect. So like none of us are perfect and it has to become a habit and a routine and you will find that when you like something comes up, the kids are sick and you're not, like you get out of that route schedule and that routine you feel lost and it just feels like chaos. But when you have your routine and you can follow through with it, I don't know, things just feel right in the world.” - Ashley Patrick Timestamps: 00:00 - Introduction to today's episode 01:43 - Meet Cameron 02:25 - Cameron's biggest financial struggle 04:36 - Using paper, spreadsheet, or an app to track your budget 07:10 - Creating habits and routines 13:32 - Morning budgeting routine 15:10 - Meal planning 17:48 - Budgeting for 2 different paychecks 22:32 - How to sign up for your own Budget Strategy Session episode If you'd like to work through your own struggle with your budget 1:1 with me, sign up for a FREE Budget Strategy Session on The Money Mindset Podcast! Sign up at www.budgetsmadeeasy.com/strategy And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Book Recommendation: * Free to Focus by Michael Hyatt Resources and Links Mentioned: * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

If you're looking for new and creative ways to save a few hundred dollars a month without doing anything crazy, drastic, or extremely frugal, why not try a Money Savings Challenge? 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

Thinking of going back to school? Whether you're going back to school to pursue a bachelor's degree or looking to expand your career opportunities by furthering your education, it's never too late to study again. Listen in as Katelyn, a career coach, guides others through the process so you understand your options and can make an informed decision. She also has some helpful tips and tricks for doing it for little to no cost to you! Meet Katelyn Katelyn is a non-traditional college student and college instructor that stopped and started her education at over ten schools over the last fifteen years. She amassed $60,000 in debt pursuing her undergrad, then found a better way, completed two master’s degrees where she profited $1800 through education benefits and scholarships, and now pursuing a doctorate which will cost her $0. All of this was completed on an accelerated timeline, while working a full-time job and 2 part time jobs, paying off over $100,000 in debt, and raising her three kids. In her full-time job, Katelyn acts as a pseudo-career coach helping people in her organization to get qualified for their next role, finding low cost or no cost education programs, prepping resumes, and she teaches the job application process at a local university as a part of a career service orientation. Her mission and passion are helping people get qualified for their dream job without taking on mountains of debt. “When you're looking to go back to school, whether you're traditional or non-traditional, you have to be an informed consumer and you have to be your own advocate. No one else is looking out for you, no one else has your specific goals and desires or passions. So make sure that you're researching, that you're finding things that are right for you. And also making sure that there's alignment between your career aspirations and the programs that you're going for.” - Katelyn Shannon Timestamps: 00:55 - Introduction to today's episode 03:01 - Meet Katelyn 14:18 - Be an informed consumer 15:42 - Do your research to find the right program that fits your career goals 19:17 - Check your employee benefits 20:20 - Scholarship and grant applications 23:23 - Credit Transfer 26:59 - Regional and national accreditation 33:43 - Regarding Katelyn's work in human resources 38:46 - How to stand out when applying for a Job 43:06 - Who should I speak with about employee benefits 44:54 - Takeaways from this episode 50:44 - Last words of wisdom 52:24 - The Kickstart 2023 Bundle If you're ready to get out of debt, start saving money, and have your best year yet, check out the Kickstart 2023 Bundle. It will help you create a simple plan that you can actually follow so you can pay off debt and save money in 2023! Go to www.budgetsmadeeasy.com/kickstart to grab your bundle today! And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes. Book Recommendation: * Stop Organizing, Start Producing: Leverage the 12 Factors that Make or Break the Busy Professional | 2011 Casey Moore Resources and Links Mentioned: * Kickstart 2023 Bundle: www.budgetsmadeeasy.com/kickstart * 3 FREE consultation spots available for the listeners of the Money Mindset Podcast: Email k.liddington@yahoo.com * sophia.org * study.com Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy Connect with Katelyn: * Linkedin: https://www.linkedin.com/in/katelynshannon-learningprofessional/ Special Guest: Katelyn Shannon.

You won't always be motivated, you won't always have the time.....but you can set up habits and routines to help you maintain and follow through with your money plan! I'm back for the third part of our Q&A series! In this episode, I'll answer more questions from Money Plan Bootcamp members, such as how to find time as a busy parent, how to stay motivated, how to stay on track and on budget when you have small children at home, and how far in advance you should plan your next month's budget. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “You really have to figure out what is going to keep you going when you're not motivated. And guess what that is? Habits and routines. So what I just talked about, habits and routines will keep you doing what you need to do when you don't feel like it.” - Ashley Patrick Timestamps: 00:00 - The topic of today's episode 04:29 - How to find time as a busy parent 12:56 - How to stay motivated 16:41 - How to stay on track and on budget with small children at home 21:14 - How far in advance should you plan your next month's budget 30:47 - How to sign up for your own Budget Strategy Session episode If you'd like to work through your own struggle with your budget 1:1 with me, sign up for a FREE Budget Strategy Session on The Money Mindset Podcast! Sign up at www.budgetsmadeeasy.com/strategy And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: * Get your Kickstart 2023 Bundle here: www.budgetsmadeeasy.com/kickstart * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

With 2023 only a few days away, I'm sure we're all hoping to start the New Year off on the right foot. And what better way to kick off the new year than by making plans to reach your financial goals? Listen in as I share tips on how to prioritize your finances by taking action, tracking your progress, developing habits and routines, and setting SMART goals to help you achieve financial freedom in 2023! Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “We have to make our finances a priority if you want them to change. So if you wanna get better, if you wanna learn, if you wanna start making better habits and routines, then we have to start taking action. And it actually starts right now.” - Ashley Patrick Timestamps: 00:53 - Introduction for today's episode 01:46 - Making your finances a priority by taking action 03:02 - How small actions lead to big results 03:45 - How tracking your progress will allow you to see how far you've come 05:38 - Building habits and routines 06:56 - How to make a SMART goal 09:08 - Breaking down your big goals into smaller, achievable goals 12:58 - Setting up quarterly goals 18:21 - The Money Plan Bootcamp 18:54 - The Kickstart 2023 Bundle If you're ready to get out of debt, start saving money, and have your best year yet, check out the Kickstart 2023 Bundle. It will help you create a simple plan that you can actually follow so you can pay off debt and save money in 2023! Go to www.budgetsmadeeasy.com/kickstart to grab your bundle today! And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes. Resources and Links Mentioned: * Kickstart 2023 Bundle: www.budgetsmadeeasy.com/kickstart * Episode 83 - BSS - Letting Perfectionism Go So You Get Back on Track: https://www.themoneymindsetpodcast.com/83 Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Managing your finances is hard enough, which is why when it comes to getting out of debt, you have to be creative, and thinking outside the box can come in handy. Listen in as Christine shares her financial journey, money mindset, and how she used an unconventional way to pay off debt in order to get her finances back on track. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “Think outside the box like maybe you can't live without a car but what can you do that you're like, people are gonna think I'm crazy. Like I would never have thought to even do that to help pay off debt. But I bet you there's some things that you can do to help pay off debt that you know might be a little extreme to other people but maybe not as extreme to you.” - Ashley Patrick Timestamps 00:00 - What today's episode is about 02:26 - How to have your own Budget Strategy Session episode 02:56 - Get to know Christine 11:02 - Christine's goals 12:42 - Christine's financial journey 16:01 - Christine's long term debt payoff goal 18:09 - Book recommendation 19:19 - What kept her motivated 20:45 - Take away from this episode 23:34 - Last words of wisdom If you'd like to work through your own struggle with your budget 1:1 with me, sign up for a FREE Budget Strategy Session on The Money Mindset Podcast! Sign up at www.budgetsmadeeasy.com/strategy And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Book Recommendation: * God, where are you? Resources and Links Mentioned: * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Is perfectionism keeping you stuck? Do you constantly worry and overthink about everything, making it difficult to manage your finances? Join me in today's episode as I strategize with Gina about how to implement her plan by tracking her spending, planning where to put her leftover money, creating a visual, and learning to focus on one thing at a time to help her overcome her perfectionism so she can stick to her budget and plan ahead. 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 easy to get overwhelmed when you're thinking about all the things. But right now your goal is to focus on the day to day and paycheck to paycheck to get caught up and get where you are paying things ahead.” - Ashley Patrick Timestamps 01:17 - Introduction for today's episode 02:59 - Meet Gina 03:44 - Gina's biggest struggle 06:42 - What to do with the money that's left over after paying the bills 16:24 - How to track your spending 20:28 - Gina's 24 hour goal 23:01 - Focusing on one thing at a time 27:20 - Set money aside to reward yourself 32:13 - Making a visual to help keep yourself motivated 32:34 - Letting go of perfectionism 38:39 - Last words of wisdom 39:06 - How to have your own Budget Strategy Session 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

On today's episode of The Money Mindset Podcast, I'm back to answer your questions. That's right, today's episode is Part 2 of our Q&A series! Listen in as I answer questions about how to get motivated when you feel you are already behind, how to get your spouse on board, and how to pay off debt on a low income. 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. “Another thing that I encourage couples to do, and my husband and I are very good at this, is we dream together. We talk about, okay, what if we got all this money someday? What if or what do we wanna do when we retire? What do we wanna do with our goals for next year? And really dream together because something that might be happening is your spouse doesn't have a goal that they want to work towards, and it may not be the same goal as yours. So you really have to compromise, communicate, and work together toward the same goal. So sit down and just dream together. Find out what they really wanna do with their life and see if you can come together, maybe compromise a little bit and work together towards your financial goals, which you definitely gotta get on the same page in order to make it work.” - Ashley Patrick Timestamps 00:02 - Introduction for today's episode 01:07 - How to get motivated when you feel you are already behind 03:09 - How to get your spouse on board 05:38 - How to pay off debt on a low income 07:32 - How to send in your questions If you have any questions you would like answered in a future episode of The Money Mindset podcast, please go to www.speakpipe.com/budgetsmadeeasy. 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: * Send your questions here -> www.speakpipe.com/budgetsmadeeasy * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Want to know how to build wealth even if you don't have much money to invest? In Kimberly's new book, Building Wealth on a Dime, she helps you understand how to manage your debt and money better so you can invest even on a tight budget. She was a special guest here on The Money Mindset Podcast way back when I started in October 2019 on Episode #8 where she shared how she paid off over $40,000 in student loans in 3 years. Now she gives us an update on her journey and how she is changing personal finance education for women like you! Meet Kimberly! Kimberly Hamilton is the author of Building Wealth on a Dime and the Founder of Beworth Finance where she helps women and millennials make smart money moves via online courses and workshops. As a Certified Financial Education Instructor, Kimberly has been featured in major publications such as Forbes, Business Insider, Health magazine, and The Everygirl, among others. She has conducted workshops for partners such as Capital One Cafe and Ladies Get Paid, and is also the Senior Manager of Financial Education at major fintech company, Rocket Money -- but today, we're really excited to talk about her book, which we'll dive into in just a second. “One is start small, dream big. So when you're talking about investing, I think a lot of people get intimidated and think that they need to have a lot of money, you know, or it's only for people that already have money or come from money, what have you. But, the truth is technology is more on our side now than it ever has been before. And so investing's really a lot more accessible if you're willing to learn the ways to go about it. You can have an app on your phone and you can start investing with as little as $5. So don't think that it has to be, oh, I need a thousand dollars or $10,000 to get started. You can really get started with a lot less.” - Kimberly Hamilton Timestamps 01:19 - Introduction for today's episode 02:46 - Meet Kimberly 04:52 - About Kimberly's book called "Building Wealth on a Dime" 06:28 - Sneak peek at one of the stories in the book 10:36 - Tips on how to build wealth on a dime 16:00 - Last words of wisdom 17:30 - Where to get Kimberly's book 19:08 - How to have your own Budget Strategy Session episode If you'd like to work through your own struggle with your budget 1:1 with me, sign up for a FREE Budget Strategy Session on The Money Mindset Podcast! Sign up at www.budgetsmadeeasy.com/strategy And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy * Pre-order before Dec 22 and get free access to Kimberly's Investing 101 workshop where you'll learn what to consider when selecting investments, how to set up a brokerage and more! Simply send your proof of receipt to hello@beworthfinance.com and she'll get you that interview link! * indiebound.org Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy Connect with Kimberly: * Instagram: https://www.instagram.com/beworthfinance * Facebook: https://www.facebook.com/beworthfinance * Twitter: https://www.twitter.com/beworthfinance * Website: https://www.beworthfinance.com/building-wealth-on-a-dime Special Guest: Kimberly Hamilton.

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

Do you set "goals" in January as New Year Resolutions and then never achieve them? Or better yet, you write them down and put them in a drawer never to be looked at again? Well, let's fix that! In today's episode I will be discussing with Monica about the right way to set goals and when you should be doing it. Hint: it's now, not January. Meet Monica! Monica, “Monie”, is a personal finance author and blogger committed to educating solo parents to go from financial couch potato to superstar. She shares her story of divorce, raising kids and $257,000 of debt to 10 years later reaching financial independence. “So SMART goals is an acronym for specific, measurable, attainable, relevant and time, time constrained or time bound. And that, that was huge. But I think the step before that for me was understanding what was important. What were my priorities? Where did I really wanna focus? What did I value? And once I had a kind of a general idea of that, the smart goals really helped to kind of evolve that and massage that into concrete steps that I could take.” - Monica Scudieri Timestamps 00:00 - Introduction for today's episode 04:25 - Meet Monica 06:24 - Monica's goal setting process 09:40 - Setting micro goals everyday 11:49 - How often should you review your goals 12:49 - Creating habits and routines to build consistency 13:47 - How often should you evaluate and redo your goals 20:33 - What are SMART goals 23:41 - Last words of wisdom 25:14 - Rewarding yourself for each goal achieved Need help? Sign up for a no cost Budget Strategy Session with me! Pick your time here: www.budgetsmadeeasy.com/strategy And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes Resources and Links Mentioned: * Book your Budget Strategy Session here-> www.budgetsmadeeasy.com/strategy Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy Connect with Monica: * Instagram: https://www.instagram.com/MonicaGYS1 * Twitter: https://twitter.com/GrabYour_Slice * Website: https://www.GrabYourSlice.com * Linkedin: https://www.linkedin.com/in/MonicaScudieri Special Guest: Monica Scudieri.

Services that offer a buy now, pay later program such as Afterpay can sometimes be more beneficial to use. It can be a great help when buying goods and items. But, if you are unable to keep up with your payments, you'll only end up with more debt. Listen in as Ashley shares tips on how to overcome buy now, pay later debts such as using your extra money to cover payments, tracking your spending, making extra money, and using cash envelopes to help save for future purchases and pay off debt. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “Make a list of priorities for where you want that money to go to so that it doesn't just get mindlessly spent but it can go towards your goal.” - Ashley Patrick Timestamps 00:00 - Introduction for today's episode 00:54 - How to sign up for your own Budget Strategy Session episode 02:06 - Meet Gwen 04:03 - Gwen's biggest struggle 08:02 - Actions Gwen can take to manage her financial struggles 14:48 - About the cash envelope system 21:32 - Gwen's 24 hour goal 25:08 - Making realistic goals 27:31 - Making visuals to remind you of your goals 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