What comes to mind when you hear the word budget?

Maybe you think of being restricted.

It’s time-consuming.

It’s overwhelming.

Or maybe you feel like you don’t make enough money to budget.

Maybe you’ve tried tracking expenses and income before, and it feels like a chore.

Maybe you've tried different methods, but nothing has really worked long term.

Today I’m bringing on my husband James to talk all about budgeting. We've been budgeting together for almost 13 years now.

We’re going to have a conversation about what budgeting has looked like for us and some tips to help make budgeting work for you.

Links from today’s episode:

• Want us to be your financial coach? Check out https://budgetfreedom.com/ to learn more.
• Interested in trying the budgeting app we LOVE?! Learn more about Qube Money at https://budgetfreedom.com/.

• Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.
• Can you imagine what life would be like if you and your partner knew what you wanted and how to get there? Let me show you how… For $7 you can get instant access to my Marriage Goal Setting Guide at https://amberleerich.com/goalsetting/
• Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. 
• Are you ready to join the FREE 5-day Motherhood Challenge? https://amberleerich.com/motherhood/

Connect with me:

• Facebook: www.facebook.com/amberlee.rich
• Instagram: www.instagram.com/amberlee_rich

What we think matters.

And when we ask ourselves the right questions, our lives can change.

In today's show, I share a question that will help you make better financial choices.

You can follow tons of steps to get to a better financial position, but let's stop overcomplicating everything.

This episode is all about asking one question that will simplify your life and give you the direction you need to make better choices with your money.

All you have to do is tune in!

Links from today’s episode:

• Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.
• Can you imagine what life would be like if you and your partner knew what you wanted and how to get there? Let me show you how… For $7 you can get instant access to my Marriage Goal Setting Guide at https://amberleerich.com/goalsetting/
• Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. 
• Are you ready to join the FREE 5-day Motherhood Challenge? https://amberleerich.com/motherhood/

Connect with me:

• Facebook: www.facebook.com/amberlee.rich
• Instagram: www.instagram.com/amberlee_rich

Do you know your net worth?

It's kinda like a report card on your finances that helps you know where you are at financially.

The last two episodes have been preparing you to figure out your net worth and in today's episode, you get to determine what that number is.

If you are petrified to find out where you really are financially, this episode is especially for you.

Every person on the planet needs to know where they are at financially, and that means you.

This gives you the groundwork to change your finances for good!

Links from today’s episode:

• Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.
• Can you imagine what life would be like if you and your partner knew what you wanted and how to get there? Let me show you how… For $7 you can get instant access to my Marriage Goal Setting Guide at https://amberleerich.com/goalsetting/
• Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. 
• Are you ready to join the FREE 5-day Motherhood Challenge? https://amberleerich.com/motherhood/

Connect with me:

• Facebook: www.facebook.com/amberlee.rich
• Instagram: www.instagram.com/amberlee_rich

Debt.

Most of us have it.

We have a love-hate relationship with it.

Debt helps us not have to wait on what we want. It opens opportunities we wouldn't have otherwise.

But, debt has a major downside.

We have compounding interest working against us.

And debt grows fast, making it feel impossible to tackle and pay off.

Today's show is a continuation of the last episode.

We've been talking all about finances and determining what your financial situation looks like right now by determining your net worth.

In today's episode, we talk about our liabilities- or debt so you can discover your net worth.

Today's show is for everyone, and you need to tune in!

Links from today’s episode:

• Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.
• Can you imagine what life would be like if you and your partner knew what you wanted and how to get there? Let me show you how… For $7 you can get instant access to my Marriage Goal Setting Guide at https://amberleerich.com/goalsetting/
• Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. 
• Are you ready to join the FREE 5-day Motherhood Challenge? https://amberleerich.com/motherhood/

Connect with me:

• Facebook: www.facebook.com/amberlee.rich
• Instagram: www.instagram.com/amberlee_rich

Do you consider yourself rich, poor, or something in between?

In reality, we all have a different idea of what rich and poor look like and we use our lives as a measuring stick.

Those who have less than us are poor and those who have more are rich.

But what if we are focusing on the wrong thing entirely?

What if we need to stay in our own lane and work on bettering our own financial situation, instead of watching everyone else?

Today's show will give you the blueprint on how to get started when your finances seem too messy to handle.

If you know you need to change your financial lifestyle, but you don't know where to start- today's show is for you!

Tune in to find out what you need to do today to get yourself in a better financial place in the future.

Links from today’s episode:

• Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.
• Can you imagine what life would be like if you and your partner knew what you wanted and how to get there? Let me show you how… For $7 you can get instant access to my Marriage Goal Setting Guide at https://amberleerich.com/goalsetting/
• Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. 
• Are you ready to join the FREE 5-day Motherhood Challenge? https://amberleerich.com/motherhood/

Connect with me:

• Facebook: www.facebook.com/amberlee.rich
• Instagram: www.instagram.com/amberlee_rich

Last week we talked all about our attitude towards the rich. This week we're talking all about our attitude towards the poor.

It's time to an introspective look and see if we have some judgments, ideas, and maybe perceptions that may need to be shifted.

This episode will really get you thinking and give you some ideas on how to have a more positive perspective on the poor.

Be sure you are subscribed and leave a review to this podcast, so you won’t miss an episode!

Links from today’s episode:

• Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.
• Can you imagine what life would be like if you and your partner knew what you wanted and how to get there? Let me show you how… For $7 you can get instant access to my Marriage Goal Setting Guide at https://amberleerich.com/goalsetting/
• Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. 
• Are you ready to join the FREE 5-day Motherhood Challenge? https://amberleerich.com/motherhood/

Connect with me:

• Facebook: www.facebook.com/amberlee.rich
• Instagram: www.instagram.com/amberlee_rich

In the world, there is so much hatred of the rich. We see it all the time in the news, social media, and even hear about it in everyday conversations.

We all have ideas and judgments about every people group in some way or another.

In today's show, we'll be talking all about our attitude towards those we consider rich.

This episode will challenge you and hopefully give you a new perspective. Plus, you'll get some action steps to help shift your perspective.

Be sure you are subscribed and leave a review to this podcast, so you won’t miss an episode!

Links from today’s episode:

• Are you ready to save over $17,000 annually? Find out how inside of the Simplified Savings Guide at AmberleeRich.com/savings and use the coupon code AR10 for 10% off.
• Can you imagine what life would be like if you and your partner knew what you wanted and how to get there? Let me show you how… For $7 you can get instant access to my Marriage Goal Setting Guide at https://amberleerich.com/goalsetting/
• Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. 
• Are you ready to join the FREE 5-day Motherhood Challenge? https://amberleerich.com/motherhood/

Connect with me:

• Facebook: www.facebook.com/amberlee.rich
• Instagram: www.instagram.com/amberlee_rich

It's easy to think that the more we spend on our kid's education, the better the education they will have, but this simply isn't true!

There are so many ways to save on homeschooling. And in today's show, I go in-depth on how you can make this year an amazing educational year without a high price tag!

If you aren't homeschooling your kid, a lot of these tips will still be beneficial to you and your family.

Please share this episode with those who homeschool.

Be sure you are subscribed and leave a review to this podcast, so you won’t miss an episode!

Links from today’s episode:

• Can you imagine what life would like if you and your partner knew what you wanted and how to get there? Let me show you how… For $7 you can get instant access to my Marriage Goal Setting Guide at https://amberleerich.com/goalsetting/
• Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. 
• Are you ready to join the FREE 5-day Motherhood Challenge? https://amberleerich.com/motherhood/

Connect with me:

• Facebook: www.facebook.com/amberlee.rich
• Instagram: www.instagram.com/amberlee_rich

We are living in a time right now that is really scary.

There is so much division in the world and hope seems to be dwindling.

It's easy to get swept away in worry and fear, but today's episode is all about hope.

We all need a big dose of encouragement during this time!

Be sure you are subscribed and leave a review to this podcast, so you won’t miss an episode!

Links from today’s episode:

• Can you imagine what life would like if you and your partner knew what you wanted and how to get there? Let me show you how… For $7 you can get instant access to my Marriage Goal Setting Guide at https://amberleerich.com/goalsetting/
• Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. 
• Are you ready to join the FREE 5-day Motherhood Challenge? https://amberleerich.com/motherhood/

Connect with me:

• Facebook: www.facebook.com/amberlee.rich
• Instagram: www.instagram.com/amberlee_rich

It's back to school time!!

Our routines change and we get a fresh start midway through the year.

Today's episode is all about optimizing this school year in our educational choices, what we say yes and no to and so much more.

Tune in to be more intentional this school year from the start. And even if you don't have kids that are school-aged, this will help you know what to prepare for.

Let's make this school year count and work for us, not against us.

Be sure you are subscribed and leave a review to this podcast, so you won’t miss an episode!

Links from today’s episode:

• Can you imagine what life would like if you and your partner knew what you wanted and how to get there? Let me show you how… For $7 you can get instant access to my Marriage Goal Setting Guide at https://amberleerich.com/goalsetting/
• Want to know how Amberlee and her family got out of debt at age 31? Go to richlivingonless.com/31. 
• Are you ready to join the FREE 5-day Motherhood Challenge? https://amberleerich.com/motherhood/

Connect with me:

• Facebook: www.facebook.com/amberlee.rich
• Instagram: www.instagram.com/amberlee_rich