Female Finance Collective

When Money Bombs Blow Up Your Budget | Ep 61


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Tired of living paycheck to paycheck—and one money bomb away from chaos? Let’s fix that.

In this episode of the Female Finance Collective podcast, we’re talking about the real reason it feels impossible to get ahead: money bombs. Those unexpected (but actually predictable) expenses that throw off your entire budget and send you right back to square one.

Meri-Li and Jen share personal stories, simple shifts, and smart strategies to break the paycheck-to-paycheck cycle—for good. This episode is packed with practical advice for planning ahead, calming financial stress, and taking control of your money.


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⏱ Timestamps

00:00 – Meet your hosts: Jen, Meri-Li & Sybil

00:57 – What it’s like to live paycheck to paycheck

01:52 – The “money bomb” moment we all dread

02:55 – What most people miss in their budgets

04:14 – The surprising expenses you can plan for

06:02 – Real-life examples: dogs, kids, and unexpected bills

07:29 – How to prep for holidays and vacations

08:35 – Using separate accounts to calm your financial brain

09:45 – Emergency fund vs. predictable costs

11:02 – Taxes and entrepreneurship: how to plan ahead

13:26 – One smart tip you’ve probably never done

14:26 – The mindset shift that changes everything

15:46 – Let’s move forward: planning, not panicking


*Disclaimer: The Female Finance Collective podcast is for educational purposes only as we share our personal experiences and opinions. To make the best financial decisions for you, research and contact a financial advisor with questions. Remember, all investments involve some form of risk; there is no guarantee that you will be successful in making, saving, or investing money, and there is always a risk of loss when investing.

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Female Finance CollectiveBy Sybil Hall, Jen Sullivan, and Meri-Li Forrest