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
16// How to Budget for Family Fun | Using your Budget to Live Intentionally
Using your budget to live an intentional life is the goal. Since most of us value connecting and spending time with our kids, let's make sure we put that in the budget each month.
This works both way…
Ep15: Create this List to Save Money on Groceries, Get Organized, and Save Mental Energy
This one-time, 20-minute activity could save you hours! Get organized by creating a “Monthly Essentials” list. Then save yourself so much time, save mental energy, stick to a shopping budget, and sa…
[BONUS] How to release resentment | How to release negative emotions: Ep14
[BONUS] This slightly off-topic bonus episode is an explanation of a practice that I used to finally release the negative emotions that would not leave me. I specifically used it to release anger and…
Ep13: Let go of worry, release negativity, move forward with money and in life
My mission is for you to have less stress and more freedom, right? Well that doesn't just magically happen because you get your money in order. Money has a big part in your stability and your peace, …
EP 12: Unexpected Ideas to help you SPEND LESS and Improve your Money Mindset
Sticking to a budget is a lot about having a mindset for it. You know you are doing what’s best, you know you are reaching your goals, you have a vision of your future, and that’s what keeps you goin…
EP 11: 11 things you can stop buying - Reach your money goals instead.
This is not about being "cheap" or "stingy". It's not about rules and lack. It's about being intentional. I'm not going to say you can never buy these things. I'm just saying that your current money …
EP 10: How to Create and Stick to a GOAL-FOCUSED Budget
There are different ways to budget out there, and my mission is to help you create and stick to a budget that you love. Today I want to tell you that having a GOAL-FOCUSED money plan can be very moti…
EP 9: 4 Smart Ways to Spend Your Tax Refund or any Large Chunk of Income
If you are coming into some money from your tax refund or an inheritance or any other means, then CoNgRaTuLaTiOnS! I'm glad you are deciding to do something smart that will MOVE YOU FORWARD.
In this…
EP8: Value-Based Budgeting: How to stick to a budget by knowing your values and focusing on mindset
Sometimes people think a budget limits us, but actually the opposite is true. A budget is putting money toward what we value, and choosing NOT to spend money on what we don’t value. It is a tool to g…
EP 7: Basic Financial Health: 4 areas to work on to improve your money situation
Maybe you don't feel like you can go all in on investing or estate planning or even budgeting (my heart hurts with that one). Maybe you don't have your 401K in order quite yet. But if you're wonderin…
EP 6: Investing Early: Why it's important and steps to get started
If you're wondering "Why should I invest for retirement right now?" or "How do I save for retirement?" or "When should I start investing for retirement?"
Girl, please listen to this episode!
We talk a…
EP5: Tips for simplifying your household finances
If you want to learn how to stick to a budget, just like everything, we need to make it as simple as possible.
In this episode, I will give you 3 tips for making your household budget easier to stick…
EP 4: Tips for sticking to your budget by tracking your spending
Are you tracking your spending throughout the month? This is a step a lot of people skip, but according to science, you are more likely to meet your money goals if you assess your progress along the …
EP 3: How to Start a Budget (When You Are Starting from Nowhere)
If you want to start a household budget, but you just don't know where to begin, this is the episode for you.
The first step you can take when wondering "How to I start a budget?" is to GET CLEAR wi…
EP2: Four Mistakes that Keep You from Moving Forward with Your Money
I thought I was being responsible with money, until I fixed these four mistakes. After fixing these mistakes, I paid off thousands of dollars in debt, saved for a downpayment on a home, bought a van …
EP 1: Four Effects of Budgeting (Two You Didn’t Expect)
We know we are supposed to budget our money. But what we didn't realize is that budgeting our money can have mind blowing effects BEYOND just our money. That's the Budget Effect!
Your action steps fo…
We're Changing Up the Podcast! | It's still about how to move forward as a single mom
My mission has been to help busy moms move forward by focusing on self-care, systems and rhythms in your home, and your money. I'm going to tell you where I'm going from here.
We talk about minimalis…
EP 26: Getting Back into Your Budget after Bad Habits
How do you get back into budgeting after it's been a while? In this episode we unpack the list of difficulties with getting back into budgeting.
I help busy moms gain positivity and peace in their li…
EP 25: Basic Health for Moms: Systems and Rhythms to Support Your Well-being
In this episode we talk about why these 4 aspects of basic health are important. But the main ideas you'll come away with are small steps and habits you can build to make your health a priority.
I b…
EP 24 How to make your New Year Resolution stick
Do you have a New Year Resolution? Do you need one? In this episode we talk about why you should have one and how to actually make it stick!
I bring positivity and support to moms who have too much o…