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
36// Be a Fierce Protector of Your Financial Goals
We are busy moms, taking care of a lot of things. So how can we protect our goals and visions? How can we stick with our goals?
Answer: We must become a fierce protector of the goal.
1. Protect your t…
35// One SMALL STEP to Improve in Any Phase of Budgeting
What phase of budgeting are you in?
Procrastination Phase?
Beginning Budgeter?
Been Budgeting For a While?
Lost your Drive?
Whichever phase you are in, I bet you can find a small step to take forward in …
34// The 50/30/20 Budget: Pros, Cons, and Truth Bombs
You know I talk more about a Values-Based Budget. So come along with me as I break down the pros and cons of a 50/30/20 budget.
Click here for the free Budget Foundations Jumpstart!
Let’s Connect:
Inst…
33// Tips for a Low or No Spend Fall | Save Money This Fall
Fall is a great time to save money!
In this episode we cover:
1. Why fall is a great time to cut spending
2. How to set rules for a no-spend or low-spend fall
3. Expenses that are coming up in fall and …
32// How to Make Meal Planning Work for You | Meal Planning for Busy Moms on a Budget
If you want to success with budgeting, then meal planning is something you're probably going to have to stick to. In this final episode of our 3-part meal planning series, we really zoom in on how to…
31// Tips for Meal Planning on a Budget with Plandy.Mandy
Today we have expert meal planner, Plandy Mandy, to share some of her top tips for how to meal plan, sticking to a meal plan, and how to meal plan on a budget.
It's Part 2 of our 3-episode series on M…
30// Meal Planning vs. Eating out on a Budget | Meal Planning Challenge
Meal planning is challenging for a lot of people! If you are doing well with meal planning then you should be proud! But regardless of the challenge, it's something that is beneficial for our budget,…
29// Reaching Money Goals in a Holistic Way | More than one way to pay off debt
You are doing big things when you decide to start moving forward with money. So start to think bigger. It’s not just your budget and looking for good deals and finding out how to live frugally while …
28// Back to School on a Budget | Budgeting for School Shopping and the School Year
Back to School means budgeting for school supplies, school clothes, working on our back to school routines, and thinking future forward about our school year budget and school year routines.
In this e…
27// End of the month and didn't track your spending? What do you do? | What to do before you start a budget.
If you want to start budgeting, what should you do at the end of this month before you start next month?
OR
If you wrote a budget for this month, but you haven’t looked at it since the beginning of the…
26// How to budget for self-care | Building a sinking fund for your personal wants and needs
In this episode, we're getting into the importance and the how-to of budgeting for self-care. A little work up front can help you get exactly what you need and want for self-care in your monthly budg…
25// How to start a budget when you are behind on bills
If you want to get ahead with money, but you’re behind on bills or just can’t figure out how to get going, then this episode is for you.
The main takeaway is that you must have a plan. And I have a p…
24// Tips for sticking to a budget by a reflecting on your needs
BUDGET JUMPSTART CHALLENGE
Let's reflect on our wants and needs so that we can make better choices about our spending. Use these prompts to figure out if we are spending money and time on the things t…
23// How to save money for big purchases (or little purchases) | How to set up sinking funds
Since we started the podcast, I've been saying we need to talk about sinking funds! In this episode I will break down sinking funds and how they can level up your finances. I will answer:
What are si…
22// 4 Tips to Pay off a Lot of Debt on a Small Income | Debt Free Journey | Paying off Debt
Got debt? Let's crush your money goals. As a single mom making 28k, I paid off thousands of dollars in debt. Let me give you 4 things that worked for me and maybe they'll work for you too.
Click to j…
21// How to Break the Paycheck to Paycheck Cycle | How to create a weekly budget
Many people are stuck in a cycle of living paycheck to paycheck with seemingly no way out. But there is a solution! Of course you need a budget, but even more specifically - a weekly budget. This wil…
20// Don't start your budget without doing these 4 things | How to start a budget
If you need help getting a budget started, start with these four things.
BUDGET JUMPSTART CHALLENGE
So if you have been wondering:
How do I stick to a budget?
How do I even get started with budgeting?
Ho…
19// 3 Actions to Bring You More Joy (that Cost Zero Dollars)
If you want to move forward in life with money, in your motherhood, in your womanhood, then work on these three things. The great thing is that they are totally free to pursue.
CLICK HERE for the BUD…
18// Tips for Sticking to a Summer Budget (While Still Having Fun)
If you want to have an active summer, but you don’t want to break your budget, then this is the episode for you. We discuss preparing for summer with kids, summer routines, summer on a budget, budget…
17//How to improve your shopping habits | Tips for sticking to a budget
If you have trouble sticking to a budget and reaching your money goals, then let's take a look at your shopping habits. And I'm not talking about LACK here. I'm not going to tell you that YOU CAN'T S…