Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income
It's time to break free from financial stress with simple, effective strategies designed for moms craving a method they can actually stick to! In this podcast, Budget Strategy Coach, Erin Britt, shares a 5-step monthly budgeting method that reduces overwhelm and helps you pay off debt, build wealth, and live abundantly. Whether you're struggling with impulse spending, relying on credit cards, or feeling too busy to budget, you'll find practical tips and mindset shifts to take control of your money.
Join a community of moms ready to align their spending with their values, plan for the future, and break free from the stress of paycheck-to-paycheck living. It’s time to budget smarter, enjoy life more, and move toward financial freedom—without sacrificing the things you love.
This is a debt podcast!
Topics we cover:
Foundational Budgeting Skills:
- How to create and stick to a budget, even with limited income.
- Simple, actionable steps to build a zero-balance budget each month.
Overcoming Impulse Spending & Credit Card Reliance:
- Strategies to control impulse buying and overspending.
- Breaking the cycle of using credit cards as income and paying off debt sustainably.
Budgeting for Busy Moms:
- Budgeting tips for real life - especially budgeting tips for busy moms
Intentional Living & Aligning Spending with Values:
- How to figure out your core values and create a value-based budget
- How to spend intentionally without sacrificing things you love.
- Aligning household routines and systems with financial goals.
Financial Preparedness & Saving for the Future:
- Building emergency funds and saving for bigger expenses with confidence.
- How to manage everyday expenses while planning for future goals like retirement, vacations or a home.
Self-Care & Financial Wellness:
- Prioritizing self-care to avoid burnout.
- Developing healthy habits for long-term financial success and balance.
Mindset Shifts for Financial Growth:
- Abundance mindset
- Embracing financial mistakes as opportunities for growth and grace.
Tracking Spending & Staying Accountable:
- Practical tools to track where your money goes and stay in control.
- The power of community and support systems
A note from Erin:
As a single mom and sole provider with no additional support, I paid off thousands of dollars in debt on a teacher’s salary. I know firsthand that it’s possible to take control of your finances, no matter your income or circumstances. My straightforward, foundational approach to budgeting simplifies the process, giving you the tools and confidence to manage your money effectively and build a secure financial future. If I could do it on my own, you can too—and I’m here to show you how.
*How can I pay off my debt?
*Is there an easy budget method?
*How can I simplify my household expenses?
*How can I pay down credit card debt?
*How can I stop relying on credit cards?
*How to start budgeting for beginners?
*How to budget on one income?
*How can I live within a budget?
*How do I write a budget?
*How do I spend less?
*How can I move forward financially?
*What if I don't have enough money to invest?
*How can I build wealth?
*How can my budget reflect my core values?
*How can I LIVE ABUNDANTLY on a budget?
*Is there someone out there who understands being a single mom that can help me with my finances?! :) I got you, girl.
Erin Britt is your host and can be found on Instagram (@budgeteffectpodcast)
- Update frequency
- every 7 days
- Average duration
- 19 minutes
- Episodes
- 104
- Years Active
- 2023 - 2025
56//You're not “bad with money," you just need to work on these identity shifts
It’s important to have a money goal. It’s important to have a system. But it’s also important to work on your money identity. If you want to reach your money goals - whatever they may be - then you s…
55//Too busy to budget? Think again!
In this episode we'll break down the question: How long does it take to budget?
We include:
⌚How long does it take to set up your budget for the first time?
⌚How long does it take to write your budget e…
54// How TINY habits can help you reach your financial goals: Atomic Habits for Budgeting
Are Your Money Goals Being Held Back by Your Systems? Here’s How to Fix It
What if reaching your financial goals was as simple as opening a drawer, taking out a notebook, and putting it back? Sounds t…
53// Why I Hated a Yearly Budget (But You Might Love It!)
Everywhere I look, people are talking about how they’ve planned their entire budget for 2025—and I had to find out what that actually looks like! How do you plan a whole year’s worth of spending? How…
52//Make budgeting stick beyond the New Year motivation: How to Build a Money System That Lasts
Are you ready to make budgeting a lifestyle instead of a fleeting goal?
Many people start the year strong with financial resolutions, but motivation fades quickly. In this episode, we dive into what i…
Ep 51// 4 reasons your budget categories are more important than you think
Is it possible to love your budget? Is it possible to enjoy budgeting?
I SAY YES.
And figuring out the right budget CATEGORIES makes your budget goal-focused, future-focused, and intentional. that you…
50// What categories should I put in my budget?
Struggling to figure out what categories to include in your budget?
Learn how to simplify your categories and align them with your values for real progress.
In this episode, we break down budget cate…
49//A List of New Year Financial Goals - Pick one!
Feeling stuck when it comes to your finances? Let’s change that! In this episode, I’m sharing a list of financial goals. Pick one and make real progress with your money this year.
Setting financial go…
48// 6 Habits for Reducing Money Stress - Even During the Busiest Seasons
The holidays brought some of the busiest and most stressful weeks of the year for me. So much pressure! Overwhelmed! But during that time, even though I overspent a little, I never felt stressed abou…
47// 3 Reasons You Should Do a Spending Audit
Do you want to pay off your debt and save more money this year? DO THIS FIRST.
With a spending audit, you can get clear on your spending habits so you know can be prepared to build your budget, catch…
46//A quick budget hack that simplifies how you track your spending
Is it taking too long to track your spending as you work on your budget?
I have a quick trick for you today that will simplify and speed up the process of tracking your spending.
We have money goals,…
45// How to say "no" to the constant PRESSURE to spend when you'd rather stick to your money goals
As a mom, do you feel constant pressure to spend money on all the things? Team pictures, fundraisers, birthday gifts, and more?! What about the social pressure to buy at the right time, for every occ…
44//The 2 Biggest Holiday Budget Struggles, and 8 Tips for Staying on Track
Are you struggling to stay on budget during the holidays without feeling like you’re missing out?
During the holidays, you might do one of these two things:
1. Throw your budget out the window.
2. Feel…
43//The Key to Never Feeling Broke Again
The Key to Never Feeling Broke Again
How to Normalize Having Money and Saving Money in Your Life
Why does it feel like money always slips through your fingers? What if budgeting didn’t feel like a shor…
42// Use this process to have a budget-friendly holiday
The holiday season is around the corner, and with it can come the stress of extra spending. In this episode, we’re talking about how to plan ahead for any big event—whether it’s the holidays, a speci…
41// A mindset shift to help stop your impulse purchases | Actually stick to your budget and save money
You are up against bazillion dollar marketing companies that cause you to feel like you are SAVING money if you buy this RIGHT NOW.
But what if we just did one simple shift in our language that would…
40// Finally save more money, pay off debt, and stay in your budget with this simple tip
What is stopping you from saving, investing, or paying off debt? What is keeping you in the paycheck to paycheck cycle?
Maybe you don't have this mindset: Can it wait a week? After this episode, you w…
39// 4 Ways to Minimize the Cost of Eating Out on Busy Nights
Is the constant running around and never eating at home killing your food budget? There are 4 steps you can take to minimize this cost - even in the busiest seasons. Let me walk you through what thes…
38// Holiday spending tips for a holiday that won't break your budget
Planning in advance for the holidays is going to save you money and mental energy. In this episode, we'll walk through how to get your holiday mindset in check, prepare your budget, and of course str…
37// The most important habit to break the paycheck-to-paycheck cycle
Struggling to Stay on Top of Your Spending? Here's How Weekly Tracking Can Help You Reach Your Goals
For many busy moms, staying on top of household finances can feel overwhelming. With bills, groceri…