Money Mindset Podcast - Budgets Made Easy

Feeling lost in the complex world of tipping? In this episode, we unpack tipping culture in the U.S.

Whether you're dining out, picking up takeout, or receiving a service at home, we cover the expectations and realities of tipping in various situations.

Listen to my thoughts on when I tip and when I don't, and let me know what you do or whether you think I'm right or wrong on Instagram @budgetsmadeeasy.

Hosting Today:

I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday.

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“Why don't you just pay your people enough to work? Like, I don't get it. We need to just pay a living wage, even if that means that we pay more on the menu.”

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

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Do you feel like all your money goes to Amazon and you don't even know what you bought?

You aren't alone!

It happens to all of us, there's a reason that Amazon is a billion dollar company.

They make it so easy to spend money on their platform!

But this month I have been doing a no-spend challenge for Amazon.

In this episode, I share my tips on how I am making it easier to stop spending on Amazon.

Hosting Today:

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“The whole point of budgeting, saving money, and paying off debt is being intentional and mindful of where you are spending your money. Where is your money going and are you making sure it is going where you actually want it to go? So, if you delete the app, you have to be a lot more intentional about spending money on Amazon. There are a couple of extra layers of thought processes there in order to spend the money. So, it makes it a lot harder. It makes it less convenient by just deleting the app.”

Ready to make saving money a priority? Grab your FREE No Spend Challenge Tracker today! Easily track your progress, set personal goals, and see how much you save. Start your challenge now and see the difference. Visit www.budgetsmadeeasy.com/no-spend-challenge to get your tracker!

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes.

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Have you ever had to juggle financial stress while dealing with personal challenges?

This episode dives into the reality of life's unexpected events and how they can impact our financial plans.

From managing the emotional strain of health issues and personal losses to dealing with the financial aftermath of unforeseen expenses, join us for a candid conversation on how to persevere through tough times.

Hosting Today:

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“I want you to know that if you are in this or if it happens to you soon, it's okay. Just take it day by day and look toward the future. Still make your plan, still keep going. Give yourself the space to feel your feelings and don't beat yourself up about it, because that's normal.”

Do you need to jumpstart the second half of the year? I've got the perfect way to help you reset, refocus, and jumpstart the rest of the year.

July Jumpstart: The Ultimate Reset For Busy Moms is a free summit that I am co hosting with some pretty amazing women who will help you reset your finances, health, schedules, and productivity.

Grab your ticket here and get ready to transform your year: https://apatrick--khristenmassic.thrivecart.com/july-jumpstart/

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

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Navigating the unpredictable twists and turns of life can be overwhelming, especially when unexpected expenses and challenges seem to pile up.

In this episode, we dive into the realities of managing financial setbacks and how these events can impact your financial goals.

We explore practical strategies for regaining control, including the power of a no-spend challenge and the importance of meal planning.

Tune in for insights on staying financially resilient amidst life's challenges.

Hosting Today:

I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday.

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“Whatever it is for you, whatever thing you're struggling with and spending on, make an intentional effort to change that specific behavior. You get to decide what it is, what it looks like, and what you are doing based on what you need to work on and what you need help with.”

Wondering why your budget always seems out of control? It’s time to take charge with a No-Spend Challenge! Reset your finances and see a significant impact, even after just one week. Ready to start? Visit www.budgetsmadeeasy.com/no-spend-challenge to get started today!

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

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On today's episode of the Money Mindset Podcast, we dive into the art of starting over with your budget and financial planning. Life can get chaotic, and it's easy to lose track of your spending.

Whether you're overwhelmed by your current situation or just need a fresh start, this episode provides practical tips on how to reset and regain control of your finances. From reconciling your bank accounts to implementing no-spend challenges, you'll learn strategies to simplify your budgeting process and stay on track.

Tune in to find out how to make a clean slate, set realistic goals, and manage your money more effectively.

Hosting Today:

I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday.

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“Don't feel like you have to go back and track everything. Just start over tomorrow, start over next week, wipe the slate clean, and take your bank account minus what hasn't posted yet. That's what you have left. Do a no-spend challenge, reevaluate your goals, and decide what you actually want to do with your money this year.”

Struggling with overspending? Take control of your finances with our FREE Masterclass: "How to Stop Overspending." Discover practical tips to curb emotional spending, create a solid money plan, and stay on track with your financial goals.

Register for the LIVE session on June 20th at 8pm ET - 5pm PT and start your journey towards financial freedom. Limited spots available – sign up now at www.budgetsmadeeasy.com/class

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

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Are you struggling to manage your budget categories and wondering whether to use actual accounts or theoretical tracking methods? In this episode, we dive into the pros and cons of both approaches.

We'll explore practical advice on setting up multiple savings accounts, using buckets within a single account, and the challenges of maintaining a spreadsheet.

Join us to find the best solution for keeping your finances organized and stress-free.

Hosting Today:

I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday.

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“Remember, we want to keep things simple and set up a system that will actually work for us and that we'll follow through with. So if you make it too complicated, it's less likely that you'll follow through with that plan. So if you decide to use a spreadsheet, but you don't have time, and you don't have time in your schedule to update the spreadsheet, is it actually going to work for you? So in order for it to actually work for you, you need to have the capacity, the time, the willpower, the motivation to actually do it. And so if that's not you, it's okay. You just have to figure out a system that will work for you.”

Ready to take control of your finances? The upgraded Paycheck Budget Spreadsheet is here to help! Plan your budget for the entire year in less than 30 minutes, track spending, and save more money effortlessly.

With pre-planned worksheets and instructional videos, budgeting has never been simpler. Don't miss out on this opportunity to transform your financial future – order now and receive bonuses valued at $74, all for just $19!

Order Here: https://www.budgetsmadeeasy.com/spreadsheet/

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

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Connect with Ashley:

Interested in how to make the most of summer without breaking the bank? In this episode of the Money Mindset Podcast, we explore practical tips for enjoying the summer season without financial strain.

Discover how to access free museums, make the most of zoo memberships, find discounts at local amusement parks, and explore state and federal parks.

Tune in to learn how to plan mindfully and save money while having summer fun.

Hosting Today:

I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday.

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“Planning for your summer is important so that you're being mindful of where you want your money to go and not just going and doing stuff at the spur of the moment.”

Ready to take control of your finances and plan your year in just 30 minutes? I've got just the thing for you – the New Paycheck Budget Spreadsheet!

This tool will help you plan each payday before it comes, whether you get paid monthly, biweekly, weekly, or semimonthly. Track your spending, view an annual spending overview, and discover where you can save the most money with detailed graphs!

Preorder sale pricing ends on June 10th at 11:59pm ET! Don't miss out on this special pricing!

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

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Curious about how many bank accounts you should have? In this episode of the Money Mindset Podcast, we delve into the often-asked question of managing multiple bank accounts.

From understanding the benefits of having dedicated accounts for bills, spending, and savings, to the challenges and strategies for maintaining numerous accounts, this episode offers practical advice for anyone looking to streamline their financial management.

Tune in to learn how to optimize your bank accounts for a stress-free budgeting experience.

Hosting Today:

I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday.

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“So, at a minimum, what I like to see when I work with my one-on-one clients is one account for paying bills, one account for spending, and one account for saving. Now, ideally, eventually, you're probably going to need more than that for different savings accounts or to split up the spending a little bit, depending on how well you're sticking to the plan. But to start, I like three bank accounts.”

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

Resources and Links Mentioned:

Connect with Ashley:

In this episode of the Money Mindset Podcast, we bring together insights from various financial experts to share their top budgeting tips.

From understanding yourself and your spending habits to aligning financial goals as a couple, each tip offers unique insights to help you take control of your finances.

Whether it's automating your savings, budgeting by percentages, or negotiating your rent, there's something for everyone in this episode to help you build a stronger financial foundation.

Hosting Today:

I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday.

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“You have to know yourself. You have to be patient with yourself. You have to understand your personality, how your brain works, and create systems and strategies that are gonna work for you because money is personal, it's emotional, and it's not a one size fits all. And the more you can understand how you process the information and how you react to things, the better off you're gonna be because you can shift your plan, your perspective, your strategy with your finances to fit your specific situation.”

If you need help paying off your debt, go to www.budgetsmadeeasy.com/debt for your Paying Off Debt Starter Kit. This will help you really get going on your journey to longer-term investing strategies.

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes.

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Connect with Ashley:

Welcome back to the Money Mindset Podcast!

Today's episode explores the valuable lessons Ashley learned over seven years as a money coach. We'll discuss personal finance insights, how individual perspectives shape financial decisions, and why there's no one-size-fits-all approach.

Join us as we dive into topics like understanding diverse learning styles and navigating different seasons of life. These insights offer guidance on developing a healthier relationship with money.

Hosting Today:

After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business.

Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances.

“Because it is personal. And you know what you do with your money, what your goals are, what is important to you is personal, and it's not gonna be the same for everybody. And that's what's so exciting about really being intentional with your money is that you get to decide based on your values, your life vision, what you want to leave as your legacy, how you wanna teach your kids, what you wanna teach your kids. All those things are personal. And so it's really exciting because you get to dictate what that looks like for you.”

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

Resources and Links Mentioned:

Connect with Ashley: