🎅Link to HOLIDAY PLANNER The holidays are coming — but you don’t have to rush or stress this year. In this episode, Erin helps you get ahead now so you can feel calm, organized, and financially prepared when the season arrives. You’ll walk through how to plan your time, money, and mindset in advance — so you can be present with your kids and actually enjoy the holidays. 💡 What You’ll Learn How to start future-thinking with your holiday budget and calendarThe first steps to take with you...

Welcome to Part 2 of our KIDS and MONEY series. Here's a link to Part 1 - Episode 77. In this episode we cover: How to do allowance with your kidsHow to teach kids to be patient when they want somethingHow to budget with kids at any ageHow to help our children deal with marketing, consumption, and comparisonIt's filled with practical steps to helping your kids develop healthy money habits and mindsets! Give Emily a follow on Instagram @RaisingLittleMillionaires. ...

🎉Grab your free Budget School JUMPSTART. Ever notice how your thoughts about money shape your results? In this episode, Erin breaks down two powerful ways of thinking about your household money: “if” and “because.” Are you telling yourself: “I’ll stick to my budget if everything goes smoothly”?“I’ll save if there’s anything left over”?Or are you shifting toward: “I’ll stay consistent because I want freedom”?“I’ll save because it matters to my family’s future”?This small mindset shift changes ...

In this episode, I sit down with Emily from @RaisingLittleMillionaires to talk about how to teach kids about money in practical ways. We’re already teaching them about money—whether we realize it or not—through our habits and conversations. Let’s do it better! We cover the 3 essential money mindsets to teach at home: Split it before you spend it – give kids real practice with saving and spending.Make spending hard and saving easy – set up guardrails like cash or prepaid cards, and automate sa...

🎉Grab your free Budget School JUMPSTART. If you leave your money sitting in your checking account, it’s going to get spent — just like cookies left out on the counter. In this episode, I’ll share three powerful reasons you need to move your money forward. You’ll learn how moving money helps you protect it from impulse spending, make faster progress toward your goals, and be prepared when future needs or wants come up. Whether you’re paying off debt, saving for something big, or just trying to...

🎉Grab your free Budget School JUMPSTART. What do you do when you need to add a new expense but your budget already feels maxed out? Recently, I did just that. In this episode, I walk through the steps I took to make it work: Figuring out the true cost (monthly and yearly)Testing it in my budget and year planDeciding what categories I was—and wasn’t—willing to cutAdjusting amounts until everything fitIf you’ve ever tried to fit a new cost into your budget—whether that’s kids’ activities, a car...

🎉Grab your free Budget School JUMPSTART. 📋 BUDGET SCHOOL coming soon. When I launched The Budget Effect podcast, I started with four powerful effects of budgeting that completely transformed my life and finances. A year and a half later, do I still stand by them? Spoiler alert: yes—but I’ve also discovered even more life-changing benefits along the way. In this episode, I’m reflecting on what happens when you go beyond “just paying bills” and step into intentional money management wit...

🎉Grab your free Budget School JUMPSTART. 📋 BUDGET SCHOOL coming soon. Are you only thinking about right now when you budget—just making it through the week or the month? Or maybe you’re swinging the other way, thinking about retirement decades from now but not sure how you’ll cover next season’s expenses. In this episode, I’m introducing you to something I call the Ladder of Future Thinking—a simple way to look ahead in your budget without feeling overwhelmed. I’ll walk you through ho...

🎉Grab your free Budget School JUMPSTART. 📋 BUDGET SCHOOL coming soon. Ever find yourself in a low-vibe state —you’re frustrated with your progress, comparing yourself to others, or tempted to spend money just to feel better? You’re not alone, and you don’t have to stay stuck. In this episode of The Budget Effect, we’re talking about what to do when discontent creeps in—especially when it’s tied to money, material things, or not being as far along as you thought you’d be by now. I share...

🎉Grab your free Budget School JUMPSTART. 📋 BUDGET SCHOOL coming soon. This episode is part quiz, part game, and totally eye-opening. We're playing a special version of Would You Rather—not the kind your kids play, but one designed to help you figure out what you truly value when it comes to spending, saving, and planning your life. Do you crave adventure and experiences… or cozy nights and a home you love? Are you pinning travel inspo or garden vibes? By the end of this episode, you’ll...

🎉Grab your free Budget School JUMPSTART. 📋 BUDGET SCHOOL coming soon. Have you ever stuck to your budget for a few months, hit a savings goal, or paid off a credit card—and then celebrated by spending money that set you right back? 😬 You're not alone, and you're not doing it wrong… but there is a better way. In this episode, we’re talking about how to reward yourself in ways that actually support your financial progress instead of sabotaging it. You'll hear: real-life examp...

Short answer? Absolutely not. In this episode, we’re breaking down the stereotypes around Type A and Type B personalities—and how both types can thrive with budgeting. Whether you love color-coded spreadsheets and a perfect plan (hello, Type A!) or you’re more go-with-the-flow and creative (hi, Type B!), budgeting can still work for you. We’ll look at: The typical traits of Type A vs. Type B peopleHow both personality types can shine in their financial journeyWhat budgeting habits might feel ...

🎉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 ep...

🎉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 u...

🎉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 w...

📋 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 a...

🎉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 ...

🎉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 away Layer 2 of hidden costs: Mental, emotional, and relationship costs Layer 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 @budge...

🎉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...

 🎉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 cour...