Most budgeting New Year’s resolutions fail—not because you are bad with money, but because you're using the wrong approach.

In this episode of The Teacher Money Show, I sit down with Kristin McGlothlin, financial coach at MyBudgetCoach, to talk about the right way for teachers to set a budgeting New Year’s resolution that actually sticks.

Instead of rigid rules and guilt-driven budgeting, Kristin and I reframe a budget as a flexible plan for your money—one that adapts to real life, busy schedules, and the emotional side of spending.

In this episode, you’ll learn:

• What a budget really is (and why it’s not about restriction or shame)

• The most common budgeting mistakes people make in January

• Why being too rigid causes budgets to fail

• How zero-based budgeting brings clarity and control on a teacher salary

• Why tracking spending first is more important than scorched Earth cutting expenses

• How accountability and coaching dramatically increase success

• Why teachers must prioritize their own financial well-being

This conversation is perfect for teachers who:

• Have tried budgeting before and “fallen off the wagon”

• Feel overwhelmed and don't know whereto start

• Want a sustainable system instead of another short-lived resolution

If your goal this year is to feel confident, calm, and in control of your money, this episode will help you build a budgeting resolution that works with your life—not against it.

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👉 Share this episode with a colleague starting over (again) this January

Explore show notes and resources:

https://www.teachermoneyshow.com/show 107

Become a guest on the show:

https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Bring Shaun to your school for personal finance PD:

https://www.shaunkmorgan.com

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