Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single incom

By Erin Britt | Budget Strategy Coach

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Subscribers: 8
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Episodes: 112

Description

It's time to break free from financial stress with simple, effective strategies designed for moms craving a method they can actually stick to! In this podcast, Budget Strategy Coach, Erin Britt, shares a 5-step monthly budgeting method that reduces overwhelm and helps you pay off debt, build wealth, and live abundantly. Whether you're struggling with impulse spending, relying on credit cards, or feeling too busy to budget, you'll find practical tips and mindset shifts to take control of your money.

Join a community of moms ready to align their spending with their values, plan for the future, and break free from the stress of paycheck-to-paycheck living. It’s time to budget smarter, enjoy life more, and move toward financial freedom—without sacrificing the things you love.


This is a debt podcast!

Topics we cover:
Foundational Budgeting Skills:

  • How to create and stick to a budget, even with limited income.
  • Simple, actionable steps to build a zero-balance budget each month.

Overcoming Impulse Spending & Credit Card Reliance:

  • Strategies to control impulse buying and overspending.
  • Breaking the cycle of using credit cards as income and paying off debt sustainably.

Budgeting for Busy Moms:

  • Budgeting tips for real life - especially budgeting tips for busy moms

Intentional Living & Aligning Spending with Values:

  • How to figure out your core values and create a value-based budget
  • How to spend intentionally without sacrificing things you love.
  • Aligning household routines and systems with financial goals.

Financial Preparedness & Saving for the Future:

  • Building emergency funds and saving for bigger expenses with confidence.
  • How to manage everyday expenses while planning for future goals like retirement, vacations or a home.

Self-Care & Financial Wellness:

  • Prioritizing self-care to avoid burnout.
  • Developing healthy habits for long-term financial success and balance.

Mindset Shifts for Financial Growth:

  • Abundance mindset
  • Embracing financial mistakes as opportunities for growth and grace.

Tracking Spending & Staying Accountable:

  • Practical tools to track where your money goes and stay in control.
  • The power of community and support systems


A note from Erin:
As a single mom and sole provider with no additional support, I paid off thousands of dollars in debt on a teacher’s salary. I know firsthand that it’s possible to take control of your finances, no matter your income or circumstances. My straightforward, foundational approach to budgeting simplifies the process, giving you the tools and confidence to manage your money effectively and build a secure financial future. If I could do it on my own, you can too—and I’m here to show you how.

*How can I pay off my debt?
*Is there an easy budget method?
*How can I simplify my household expenses?
*How can I pay down credit card debt?
*How can I stop relying on credit cards?

*How to start budgeting for beginners?
*How to budget on one income?

*How can I live within a budget?

*How do I write a budget?
*How do I spend less?

*How can I move forward financially?
*What if I don't have enough money to invest?
*How can I build wealth?
*How can my budget reflect my core values?

*How can I LIVE ABUNDANTLY on a budget? 

*Is there someone out there who understands being a single mom that can help me with my finances?! :) I got you, girl.

Erin Britt is your host and can be found on Instagram (@budgeteffectpodcast) 


Episode Date
The 3 Habits You Need in Your Household Budget Routine
Dec 12, 2025
Overspending? Batch These 4 Things
Nov 18, 2025
4 easy habits you NEED if you want to SAVE more money
Nov 13, 2025
Are you bad with money? Or is it THIS....
Nov 04, 2025
80// How to Plan Now for a Calm, Budget-Friendly Holiday Season
Oct 21, 2025
79// How to Do Allowance! And other family money habits - with Emily Holthaus (Part 2)
Oct 14, 2025
78// Are You an “If” or a “Because” with Your Money?
Oct 09, 2025
77// 3 Money Mindsets to Teach to your Kids: Powerful and Practical! with Emily Holthaus from Raising Little Millionaires
Sep 23, 2025
76// Move Your Money Forward: Protect It, Grow It, Use It
Sep 03, 2025
75// How to add a big expense to your already-tight budget
Aug 26, 2025
74// 5 Ways Budgeting Will Change Your Life (The Budget Effects!)
Aug 19, 2025
73// "The Ladder of Future Thinking" with your Money
Aug 08, 2025
72// When Discontent Creeps In: How to Reset Your Mindset (and Your Money)
Jul 30, 2025
71// Let’s Play “Would You Rather” — A Fun Way to Discover Your Spending Priorities
Jul 16, 2025
70// 4 ways to reward yourself when you reach your financial goals
Jul 11, 2025
69// Do you have to be 'Type A' to budget and manage money?
Jul 06, 2025
68// Budgeting Before Debt Free vs. Budgeting After Debt Free
Jun 24, 2025
67// Budgeting for School Shopping and School Activities All Year Round
Jun 18, 2025
66// What is a Zero-Balance Budget? Plus 11 reasons it will work for you.
Jun 11, 2025
65// Budgeting Reset: 3 Steps to Get Back on Track
May 25, 2025
64// 3 Money Truths I Live By—and Why Knowing Your Truth Makes All the Difference
May 15, 2025
63// The Hidden Costs of Skipping Your Budget
May 02, 2025
62// 3 Steps to a Budget-Friendly Summer
Apr 25, 2025
61// The MISSING Baby Step to Building Wealth
Apr 15, 2025
60// 10 Simple Habits to Make Your Money Go Further
Apr 10, 2025
59// Want to start budgeting but don’t know where to start? Try this.
Apr 01, 2025
58// Strategies for Flexibility and Momentum in your Budget
Mar 25, 2025
57// Let's Talk Credit Cards
Mar 18, 2025
56//You're not “bad with money," you just need to work on these identity shifts
Mar 11, 2025
55//Too busy to budget? Think again!
Feb 25, 2025
54// How TINY habits can help you reach your financial goals: Atomic Habits for Budgeting
Feb 14, 2025
53// Why I Hated a Yearly Budget (But You Might Love It!)
Feb 07, 2025
52//Make budgeting stick beyond the New Year motivation: How to Build a Money System That Lasts
Jan 28, 2025
Ep 51// 4 reasons your budget categories are more important than you think
Jan 22, 2025
50// What categories should I put in my budget?
Jan 14, 2025
49//A List of New Year Financial Goals - Pick one!
Dec 31, 2024
48// 6 Habits for Reducing Money Stress - Even During the Busiest Seasons
Dec 27, 2024
47// 3 Reasons You Should Do a Spending Audit
Dec 17, 2024
46//A quick budget hack that simplifies how you track your spending
Dec 10, 2024
45// How to say "no" to the constant PRESSURE to spend when you'd rather stick to your money goals
Dec 04, 2024
44//The 2 Biggest Holiday Budget Struggles, and 8 Tips for Staying on Track
Nov 27, 2024
43//The Key to Never Feeling Broke Again
Nov 20, 2024
42// Use this process to have a budget-friendly holiday
Nov 12, 2024
41// A mindset shift to help stop your impulse purchases | Actually stick to your budget and save money
Nov 05, 2024
40// Finally save more money, pay off debt, and stay in your budget with this simple tip
Oct 30, 2024
39// 4 Ways to Minimize the Cost of Eating Out on Busy Nights
Oct 24, 2024
38// Holiday spending tips for a holiday that won't break your budget
Oct 18, 2024
37// The most important habit to break the paycheck-to-paycheck cycle
Oct 10, 2024
36// Be a Fierce Protector of Your Financial Goals
Oct 02, 2024
35// One SMALL STEP to Improve in Any Phase of Budgeting
Sep 24, 2024
34// The 50/30/20 Budget: Pros, Cons, and Truth Bombs
Sep 17, 2024
33// Tips for a Low or No Spend Fall | Save Money This Fall
Sep 10, 2024
32// How to Make Meal Planning Work for You | Meal Planning for Busy Moms on a Budget
Sep 03, 2024
31// Tips for Meal Planning on a Budget with Plandy.Mandy
Aug 27, 2024
30// Meal Planning vs. Eating out on a Budget | Meal Planning Challenge
Aug 20, 2024
29// Reaching Money Goals in a Holistic Way | More than one way to pay off debt
Aug 13, 2024
28// Back to School on a Budget | Budgeting for School Shopping and the School Year
Aug 06, 2024
27// End of the month and didn't track your spending? What do you do? | What to do before you start a budget.
Jul 30, 2024
26// How to budget for self-care | Building a sinking fund for your personal wants and needs
Jul 23, 2024
25// How to start a budget when you are behind on bills
Jul 16, 2024
24// Tips for sticking to a budget by a reflecting on your needs
Jul 09, 2024
23// How to save money for big purchases (or little purchases) | How to set up sinking funds
Jul 02, 2024
22// 4 Tips to Pay off a Lot of Debt on a Small Income | Debt Free Journey | Paying off Debt
Jun 25, 2024
21// How to Break the Paycheck to Paycheck Cycle | How to create a weekly budget
Jun 18, 2024
20// Don't start your budget without doing these 4 things | How to start a budget
Jun 11, 2024
19// 3 Actions to Bring You More Joy (that Cost Zero Dollars)
Jun 04, 2024
18// Tips for Sticking to a Summer Budget (While Still Having Fun)
May 28, 2024
17//How to improve your shopping habits | Tips for sticking to a budget
May 21, 2024
16// How to Budget for Family Fun | Using your Budget to Live Intentionally
May 14, 2024
Ep15: Create this List to Save Money on Groceries, Get Organized, and Save Mental Energy
May 07, 2024
[BONUS] How to release resentment | How to release negative emotions: Ep14
May 06, 2024
Ep13: Let go of worry, release negativity, move forward with money and in life
Apr 30, 2024
EP 12: Unexpected Ideas to help you SPEND LESS and Improve your Money Mindset
Apr 23, 2024
EP 11: 11 things you can stop buying - Reach your money goals instead.
Apr 16, 2024
EP 10: How to Create and Stick to a GOAL-FOCUSED Budget
Apr 09, 2024
EP 9: 4 Smart Ways to Spend Your Tax Refund or any Large Chunk of Income
Apr 02, 2024
EP8: Value-Based Budgeting: How to stick to a budget by knowing your values and focusing on mindset
Mar 26, 2024
EP 7: Basic Financial Health: 4 areas to work on to improve your money situation
Mar 19, 2024
EP 6: Investing Early: Why it's important and steps to get started
Mar 12, 2024
EP5: Tips for simplifying your household finances
Mar 05, 2024
EP 4: Tips for sticking to your budget by tracking your spending
Feb 27, 2024
EP 3: How to Start a Budget (When You Are Starting from Nowhere)
Feb 20, 2024
EP2: Four Mistakes that Keep You from Moving Forward with Your Money
Feb 13, 2024
EP 1: Four Effects of Budgeting (Two You Didn’t Expect)
Feb 07, 2024
We're Changing Up the Podcast! | It's still about how to move forward as a single mom
Jan 30, 2024
EP 26: Getting Back into Your Budget after Bad Habits
Jan 17, 2024
EP 25: Basic Health for Moms: Systems and Rhythms to Support Your Well-being
Jan 10, 2024
EP 24 How to make your New Year Resolution stick
Jan 05, 2024
EP 24: How to make your New Year Resolution stick
Jan 02, 2024
EP23: Find more time for the things you want! Use this method.
Dec 27, 2023
EP 22: The 8-Minute After-Work Transition You Need
Dec 19, 2023
EP21: What I needed (and found) as an overwhelmed single mom
Dec 07, 2023
EP 20: One word that is giving me power through the busy season
Nov 17, 2023
EP 19: Plan for the holidays now to avoid the stress later
Nov 10, 2023
EP 18: 3 Reasons You Feel Stuck
Nov 02, 2023
EP 17: Is putting yourself first selfish?
Oct 27, 2023
EP 16: 3 Strategies for when your house is a mess but you're tired and overwhelmed
Oct 17, 2023
EP 15: What if becoming a single mom is an amazing thing that happened to you?
Oct 10, 2023
EP 14: Overcoming Overwhelm: A Mindset Shift for Moving Forward
Sep 26, 2023
EP 13: You need a self-care practice today! Here's your first step.
Sep 21, 2023
EP 12: Girl Time - The Science and Practical Steps to Making Time for Friends
Sep 14, 2023
EP 11: Traveling with Kids as a Single Parent (Chicago edition)
Sep 07, 2023
EP 10: How Minimalism Eased Overwhelm in My Single Mom Journey
Aug 29, 2023
Ep. 9: The Home Buying Journey: Thoughts and Considerations
Aug 23, 2023
Ep. 8: The true power of budgeting: My debt-free journey
Aug 15, 2023
EP 7: Back to School part 2 - Mindset for Smooth Transition
Aug 08, 2023
EP 6: Back to School part 1- Shopping with Intention
Aug 01, 2023
EP. 5 It's okay if your budget sucks right now
Jul 27, 2023
EP 4: How to Travel with Kids as a Single Mom (St. Louis edition)
Jul 18, 2023
EP 3: What can happen when you carve out time for yourself
Jul 11, 2023
EP 2: 5 Questions to Ask Yourself for Self Reflection
Apr 12, 2023
EP 1: What can I focus on to move forward as a single mom?
Apr 03, 2023