Do you feel like budgeting only “works” when life is calm and organized?
 In this episode, we’re talking about why consistency matters more than perfection — and how to keep moving forward with your money even when life feels messy.

I walk you through the three core habits of a solid budget routine and what consistent (not perfect) action actually looks like in real life:

• Setting up your zero-balance budget — even if you’re late or behind
• Tracking your spending so you know what’s working (and what’s not)
• Moving money toward your goals — even if it’s just a few dollars

You’ll learn how these small, repeatable actions help you:

• Reduce stress and money anxiety
• Get out of survival mode and into progress
• Build momentum toward savings, debt payoff, and future goals

You don’t need to do this perfectly.
 You just need to keep showing up.

🎉Free resource🎉: Grab the Household Money Snapshot — the exact tool I use with my clients to help them get their finances organized and set up a zero-balance budget. Click Here.

💪 Do you want my help? 💪

My budget course gives you the tools and guidance you need. Click Here. 

Let's connect:

Instagram @budgeteffectpodcast

Email [email protected] 

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Do you want to feel more in control of your household finances?
In this episode, I’m giving you the 3 habits that make budgeting easier, calmer, and more consistent. This episode walks you through the three simple habits that keep your budget running smoothly—just like a good morning routine.

These habits are the foundation of a budget you can actually stick to, even when life feels busy or chaotic.

Other episodes mentioned in the show: 

• More on creating "buffers" in your budget: 🎧 Episode 69: Do you have to be 'Type A' to budget?
• Routine Habit 3: 🎧Episode 73: How to plan ahead in your budget

🎉Free guide🎉

Want a clear picture of your household finances? Grab my free Household Money Snapshot

💪 Do you want my help? 💪

My budget course gives you the tools and guidance you need. 

Let's connect:

Instagram @budgeteffectpodcast

Email [email protected] 

Click to Send Fan Mail

If you’re tired of overspending — whether you never stick to your plan or you blow your budget on random Tuesday trips — this episode gives you four simple “batching” strategies to keep your spending under control.

You’ll learn how to batch:

• Monthly essentials so you stop making extra trips (and extra purchases).
• Seasonal clothing so you only buy what you truly need.
• Gift giving (holidays + kid birthdays) so you stop forgetting what you already bought.
• Groceries so you avoid impulse buys and over-the-top shopping.

Batching helps you spend on purpose instead of on autopilot — giving you more freedom, less stress, and money for what matters most.

🎉Grab your free Budget School JUMPSTART.

💪 Do you want my help? 💪

My budget course gives you the tools and guidance you need. 

Let's connect:

Instagram @budgeteffectpodcast

Email [email protected] 

Click to Send Fan Mail

Unexpected bills? Kids’ expenses piling up? I get it. Even on my single-income teacher’s salary, I’m still saving money every month—and it’s because of these 4 simple habits.

In this episode, I’ll show you the easy, everyday things you can start doing to finally keep more of your money without cutting all the fun out of your life.

Simple habits. Real savings. You can do this.

🎉Grab your free Budget School JUMPSTART.

💪 Do you want my help? 💪

My budget course gives you the tools and guidance you need. 

Let's connect:

Instagram @budgeteffectpodcast

Email [email protected] 

Click to Send Fan Mail

Think your budget keeps failing because you’re “bad with money”? Nope.
 It might actually be because you haven’t eaten enough kale… seriously.

In this episode, we pull back the curtain on all the non-money habits that impact your spending—your schedule, your energy, your clutter, your routines, and (yes) what’s happening in your fridge. You’ll learn why budgeting isn’t just tracking numbers; it’s about managing your life so you can follow your budget.

In this episode you’ll learn:

• Why your busy schedule might be sabotaging your money plan
• How clutter, stress, mental load, decision fatigue, and lack of sleep affect overspending
• The surprising connection between self-care (like eating kale) and sticking to a budget
• Why you might not need a new budgeting method—you might need a new habit
• How to identify the one thing that throws you off financially

You’ll walk away with:
➡️ Awareness of what’s really causing overspending
➡️ Permission to stop saying “I’m bad with money”
➡️ One simple habit to focus on that will get your budget back on track

Because sometimes sticking to your budget starts with taking care of the rest of your life.

🎉🎉🎉Stop wasting time and get started with your budget today! Click here for the FREE Budget Jumpstart. 

💪 Do you want my help? 💪

My budget course gives you the tools and guidance you need. 

Let's connect:

Instagram @budgeteffectpodcast

Email [email protected] 

Click to Send Fan Mail

🎅Link to HOLIDAY PLANNER 

The holidays are coming — but you don’t have to rush or stress this year. In this episode, Erin helps you get ahead now so you can feel calm, organized, and financially prepared when the season arrives.

You’ll walk through how to plan your time, money, and mindset in advance — so you can be present with your kids and actually enjoy the holidays.

💡 What You’ll Learn

• How to start future-thinking with your holiday budget and calendar
• The first steps to take with your money and time before the season begins
• How to list, plan, and price out gifts, events, and expenses
• The importance of deciding early — meals, parties, travel, and more
• How to align your plans with how you actually want to feel this holiday season: simple, well, and festive
• Ideas for simplifying, delegating, and protecting your energy and time
• How to use backwards planning to make sure everything gets done calmly

3-Part Holiday Planner – brainstorm ideas, budget your spending, and plan your weeks backwards
👉 Grab it here

Click to Send Fan Mail

Welcome to Part 2 of our KIDS and MONEY series. 

Here's a link to Part 1 - Episode 77. 

In this episode we cover: 

• How to do allowance with your kids
• How to teach kids to be patient when they want something
• How to budget with kids at any age
• How to help our children deal with marketing, consumption, and comparison

It's filled with practical steps to helping your kids develop healthy money habits and mindsets! 

Give Emily a follow on Instagram @RaisingLittleMillionaires. 

Click to Send Fan Mail

🎉Grab your free Budget School JUMPSTART.

Ever notice how your thoughts about money shape your results? In this episode, Erin breaks down two powerful ways of thinking about your household money: “if” and “because.”

Are you telling yourself:

• “I’ll stick to my budget if everything goes smoothly”?
• “I’ll save if there’s anything left over”?

Or are you shifting toward:

• “I’ll stay consistent because I want freedom”?
• “I’ll save because it matters to my family’s future”?

This small mindset shift changes everything. When you start leading with “because,” you stop waiting for perfect conditions and start creating the results you want — saving money, paying off debt, and building financial peace in your household.

✨ In this episode, you’ll learn:

• The difference between “if” and “because” thinking (and how to spot yours)
• How your mindset affects consistency, savings, and debt payoff
• Practical examples to help you shift into “because” thinking this week
• Why your money follows your mindset

🎯 Your challenge: Notice where you’re living in your “if” — and start stepping into your “because.”

Let's connect:

Instagram @budgeteffectpodcast

Email [email protected] 

Click to Send Fan Mail

In this episode, I sit down with Emily from @RaisingLittleMillionaires to talk about how to teach kids about money in practical ways. We’re already teaching them about money—whether we realize it or not—through our habits and conversations. Let’s do it better!

We cover the 3 essential money mindsets to teach at home:

1. Split it before you spend it – give kids real practice with saving and spending.
2. Make spending hard and saving easy – set up guardrails like cash or prepaid cards, and automate savings when possible.
3. Know where your money goes – teach kids to track their spending and review it regularly.

This is part one of a 3 part series. 

For more practical tips from Emily, follow her on Instagram: @RaisingLittleMillionaires.

Let's connect:

Instagram @budgeteffectpodcast

Email [email protected] 

Click to Send Fan Mail

🎉Grab your free Budget School JUMPSTART.

If you leave your money sitting in your checking account, it’s going to get spent — just like cookies left out on the counter.

In this episode, I’ll share three powerful reasons you need to move your money forward.

You’ll learn how moving money helps you protect it from impulse spending, make faster progress toward your goals, and be prepared when future needs or wants come up.

Whether you’re paying off debt, saving for something big, or just trying to stay consistent, this episode will show you why where you put your money matters — and how to start moving it with purpose.

Let's connect:

Instagram @budgeteffectpodcast

Email [email protected] 

Click to Send Fan Mail