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
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!
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EP23: Find more time for the things you want! Use this method.
Do you ever feel like you just don't have time in the day for what you really want to do? Let's get clear about the time you do have and use it wisely. In this episode, I will tell you how I gained 3…
EP 22: The 8-Minute After-Work Transition You Need
In this episode we talk about a way to unwind and reset after work and transition into your night with the kids. This 8-minute ritual is GOLD!
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EP21: What I needed (and found) as an overwhelmed single mom
I was asked recently how I do it all as a single mom. After I told her that I don't do it all (hahaha), I got to thinking about how I got past that stage of crushing overwhelm and got to this joyful,…
EP 20: One word that is giving me power through the busy season
I needed a way to keep myself calm and focused during this busy season I'm in. I needed a way to keep my home from unraveling - because lately there's been a lot of arguing and fighting between my ki…
EP 19: Plan for the holidays now to avoid the stress later
In this episode we reduce stress around the holiday season by getting organized, getting a plan in place -while focusing on what's really important to you this holiday season.
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EP 18: 3 Reasons You Feel Stuck
Why do I feel stuck? It can feel extremely frustrating to feel like you're stuck and not able to move forward. In this episode, we break down 3 reasons why you may feel stuck and give you practical s…
EP 17: Is putting yourself first selfish?
I hope this episode convinces you to put yourself first and clears any selfish feelings you have about that! We need you to be your most vibrant, energetic, beautiful self and the way you accomplish …
EP 16: 3 Strategies for when your house is a mess but you're tired and overwhelmed
In this episode we talk about a way to kick start you into action without motivation, energy, or thinking. Wow. If you are like me, you need this!
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EP 15: What if becoming a single mom is an amazing thing that happened to you?
I help single moms gain positivity and peace in their lives through practical steps. On the podcast we talk about home rhythms, money movement, and mindset work.
Link to Whole Life Wellness Reflectio…
EP 14: Overcoming Overwhelm: A Mindset Shift for Moving Forward
In this episode we talk about a practical method to recognize overwhelm and then move yourself out of it so that you don't get stuck in that stifling place!
Link to Whole Life Wellness Reflection To…
EP 13: You need a self-care practice today! Here's your first step.
Why self-care? What is true self-care? But how? Self-care is caring for yourself on a deeply personal level. I can help you get started.
Erin brings positivity and support with a heart for single mo…
EP 12: Girl Time - The Science and Practical Steps to Making Time for Friends
In this episode, we're discussing the significance of nurturing your friendships with your fellow women. Join us as we drop the science behind women's friend connections and why they're vital for you…
EP 11: Traveling with Kids as a Single Parent (Chicago edition)
This episode is the story of the kids and I went to Chicago. My tips for traveling with kids as a single parent:
- Set intentions for vacation.
- Loosely plan a trip.
- Stay in your budget.
- Keep it simple.
- I …
EP 10: How Minimalism Eased Overwhelm in My Single Mom Journey
Is your home supporting you in your life? Or is your home bringin’ you down?! It’s time to learn or relearn about minimalism and simplicity. It’s time to clear your path so you can move forward.
Erin …
Ep. 9: The Home Buying Journey: Thoughts and Considerations
In this episode, Erin delves into her experiences and considerations during her home-buying journey. She shares insights on her search criteria and the key question that guided her: "Can I take care …
Ep. 8: The true power of budgeting: My debt-free journey
This episode will motivate you to start or keep going on your own money journey. It's more than just money; truly living intentionally with every dollar can start the momentum in so many other areas …
EP 7: Back to School part 2 - Mindset for Smooth Transition
How can we make the transition back to school smooth? In this episode we discuss the step-by-step process for making the transition.
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EP 6: Back to School part 1- Shopping with Intention
In this episode we chat about shopping with intention for school supplies and clothes. Erin also mentions other expenses to plan for coming up soon.
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EP. 5 It's okay if your budget sucks right now
In this episode Erin covers:
- 3 reasons people don’t start budgeting
- Many reasons people SHOULD start budgeting
- How to get started
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