68// Budgeting Before Debt Free vs. Budgeting After Debt Free

🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon.  We go through different stages in our lives, and of course our budget is going to look different throughout those different seasons. In today’s episode we are going to talk about two of those different seasons: before debt-free and after debt-free. Are there different methods? Different goals? Different motivations?And what should always stay the same?That's what we'll cover in this episode.  Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Click to Send Fan Mail

🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon.  Smart budgeting means we’re thinking ahead. In this episode, we’re talking all about budgeting for school-related expenses before the chaos hits.I’ll walk you through handling school activity costs throughout the year and why I keep a school category in my budget even during summer break.You’ll learn how to:Decide whether you need a separate line for school activities in your budgetUse the summer months to build up a school shopping fundHandle leftover money in that category the smart waySet up a simple system (even if it’s just cash in an envelope!)Be resourceful with used supplies and organize what you already haveWhether you’re a budgeting beginner or looking to upgrade your system, this episode will help you stay ahead of school costs without the stress.Click to Send Fan Mail

🎉Grab your free Budget School JUMPSTART.📋 BUDGET SCHOOL coming soon.  What if your budget could make you feel supported instead of stressed? In this episode, I explain exactly what a zero-balance budget is — and why it’s helped so many people feel more in control, more clear, and more confident with their money. This short teaching episode is perfect if you’re new to budgeting or if you've been trying to budget but keep feeling stuck. I’ll give you a clear, simple definition of what a zero-balance budget is — and then I’ll walk you through 12 reasons why I believe this method really works. From clarity and flexibility to confidence and momentum, this approach has changed the way I handle money. If you're ready to move forward with your money, this is the place to start.Listen to the Episode to Answer These Questions:What does it actually mean to “give every dollar a job”?How does a zero-balance budget help reduce stress?Why does this method work even if your income changes?What’s one small step you can take today to get started?Click to Send Fan Mail

📋 BUDGET SCHOOL coming soon. Join the Insider Access Club. 🎉Grab your free Budget School JUMPSTART. ⬇️⬇️⬇️ What's in this episode? ⬇️⬇️⬇️If you've fallen off track with your budget—whether it's overspending, disorganization, or just not paying attention—this episode is for you. I’m giving you three simple steps to hit reset and get your budget back on track.In this episode, you’ll learn:How to assess where you’re at and stop the financial overwhelm.Practical steps to regroup and make a plan moving forward. How to get back to your budgeting system (or start one, if you don’t have one yet!). It’s time to take control and get your budget back in line with your goals. Tune in to get the guidance and clarity you need to reset and move forward with confidence.🎉🎉Do you want me to come into your email with the FREE JUMPSTART?  By the end of this email challenge, you’ll have the essential numbers you need to begin budgeting, a goal, and insight into your current spending habits. Click here! Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Click to Send Fan Mail

🎉Grab your free JUMPSTART.In this episode, I’m sharing 3 things I am CERTAIN of when it comes to my money.These certainties guide how I spend, save, and make financial decisions.➡️But this isn’t just about me. I want YOU to identify what you are certain of when it comes to your money. I’ll be asking you questions to get you thinking! ⬅Tune in to learn how being certain can guide your decisions and create lasting change in your financial life.🎉🎉Do you want me to come into your email with the FREE JUMPSTART?  By the end of this email challenge, you’ll have the essential numbers you need to begin budgeting, a goal, and insight into your current spending habits. Click here! Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Click to Send Fan Mail

🎉Grab your free JUMPSTART.If you haven't started taking care of your finances yet, or if you need a little push to stick with it. Then listen in! In this episode we'll cover: Layer 1 of hidden costs: Sneaky money leaking awayLayer 2 of hidden costs: Mental, emotional, and relationship costsLayer 3 of hidden costs: Missed opportunity costs✨ Be the first to know when my Budget School course launches! Get on the waitlist here → CLICK HERE. Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Got a specific question you’d like me to answer on the show? Text it!Click to Send Fan Mail

🎉Grab your free JUMPSTART.Summer doesn’t have to mean blowing your budget—or missing out on the fun. In this episode, we’re talking about how to be intentional with your time, money, and energy so you can create a summer full of memories and stay financially on track.You’ll learn:How to prepare your finances now to create peace throughout the summerTwo mindsets that will help your dollars stretch furtherHow to find the right balance between fun and financial goalsWhat routines to keep this summer to avoid feeling like everything’s falling apartWhether you’re dreaming of a small getaway, navigating kids' sports schedules, or just trying to enjoy the season without the stress, this episode is for you.✨ Be the first to know when my Budget School course launches! Get on the waitlist here → CLICK HERE. Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Got a specific question you’d like me to answer on the show? Text it! Click to Send Fan Mail

🎉Grab your free JUMPSTART.They say: have an emergency fund, don't have credit card debt, and grow your money by investing. Those are three basic things. That's, that's not hard to understand, right? So what makes it hard to do? Ah ha! There is a missing step that people are not giving enough focus to. Some people aren't doing it at all. There is a missing step, and that is exactly what we are going to cover in this episode. ✨ Be the first to know when my Budget School course launches! Get on the waitlist here → CLICK HERE. Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Got a specific question you’d like me to answer on the show? Text it! Click to Send Fan Mail

🎉Grab your free JUMPSTART.If you’ve ever felt like your money disappears too fast or you just can’t seem to get ahead, this episode is for you. Today I’m sharing 10 simple daily habits that will help your money go farther without a complete life overhaul. These habits are designed to become second nature—and they’re key to building a strong financial foundation.We’ll talk about how to stop impulse spending, how to become more intentional with your money, and how to build the systems and mindset you need to start saving, paying off debt, having money ready for the things you need, and even investing.These are the behind-the-scenes habits that most people don’t talk about—but they make a huge difference in your day-to-day financial life.Whether you're just starting out with your budget or you've been working on your finances for a while, this episode will help you build habits that stick—and support the money goals you care about most.✨ Be the first to know when my budgeting program launches! Get on the waitlist here → CLICK HERE. Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Got a specific question you’d like me to answer on the show? Text it! Click to Send Fan Mail

🎉Grab your free JUMPSTART.Are you tired of feeling like your money is gone before you even know where it went? You’ve tried budgeting tips, cutting back, and searching for coupons, but something still feels off. The missing piece? A real household finance system—one that helps you organize your money like you organize your home. In this episode, I’ll walk you throughthe three keys to a strong financial system and give you four simple steps you can take today to start building one. 🎉Grab your free JUMPSTART.Click to Send Fan Mail