The Money Mindset Podcast

Do you find it tough to talk about money with your partner? In this episode, we explore the challenges of financial conversations in relationships, focusing on the importance of mutual understanding, confidence, and emotional awareness. We discuss how emotional factors, like the mental load of managing finances, can impact these talks and share ways to help both partners feel involved and informed. Our guest, Adam Kol of The Couples Financial Coach, brings valuable insights on how to navigate these conversations. Tune in to discover how empowering both partners with financial knowledge can transform your relationship and finances. Meet Adam! Adam Kol is The Couples Financial Coach. He helps couples go from financial overwhelm or fighting to clarity, teamwork, and peace of mind. Adam is a Certified Financial Therapist-I™, Certified Mediator, and Tax Attorney with a Duke Law degree and a Master's in Tax Law from NYU. He is a husband, dad, and musician, as well. Adam's wisdom has been shared with The Wall Street Journal, the Baltimore Ravens, CNBC, NewsNation, and more. “Your partner wants to connect with you about finances. It may seem like they don't, and you might convince yourself that they don't. They do. They may not realize that they're avoiding it or why, but they do because it has such a profound effect on the lives that we live. I mean, it really touches every aspect, from how we raise our families to what we do for jobs, to the kind of food we eat, to the kind of things we have, etc. So your partner does want to feel like they can connect with you. It's just that people don't feel confident in that a lot of times, partly because it is true that money is still a taboo. But keep in mind that this is something where you both will feel a lot better if you're on the same page.” - Adam Kol Book Recommendation: * Financial Intimacy for Couples: How to Achieve Clarity, Teamwork, and Peace of Mind With Your Money, by Adam Kol. Download his book on Amazon-> (Affiliate link) https://amzn.to/3AClDC1 Resources and Links Mentioned: * Check out the previous episode with Adam - #3 Getting On The Same Page With Your Spouse About Money with Adam H. Kol, J.D. https://www.themoneymindsetpodcast.com/3 Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy Connect with Adam: * Website: https://CouplesFinancialCoach.com * Instagram: @CouplesFinancialCoach * Facebook: @CouplesFinancialCoach * LinkedIn: Adam Kol, The Couples Financial Coach * YouTube: The Couples Financial Coach Special Guest: Adam H. Kol, J.D. .

Are you feeling overwhelmed by the holiday season? With the busy time of year approaching, juggling family, finances, and festivities can easily become stressful. In this episode, we explore practical ways to simplify your holidays, featuring our guest Jennifer, a certified life coach and seasoned homeschooling mom. She shares insights on how to create a calm and stress-free holiday experience. With these simple tips, you can get organized and stress less about your finances, time, and priorities for the holidays. Tune in to the podcast to discover how you can embrace a more peaceful and intentional holiday season! Meet Jennifer! Jennifer Roskamp is a certified life coach, founder of The Intentional Mom, homeschooling mom of 9 & Gigi (grandma) of 2 who is passionate about helping women who work outside & inside of the home rediscover their purpose, passion, and in managing their homes, their families, their lives, and their own mindset. Using her 3 secret weapon formulas, Jennifer has helped many thousands of women gain clarity and confidence in what to do (& what to let go of) every day. “We aren't compartmentalized. The things that we struggle with in one area are usually challenging in other areas as well. Like you say, if we can just start to move the needle forward in some of our habit formation, our ability to follow through, or our ability to live by the routine that we set up, we might be doing it from a budgeting standpoint, but all of a sudden, wow, I have an easier time getting up earlier in the morning too. Once I'm setting the good habits with my money, it makes me want to, and makes it easier for me to follow the good habits in other areas too.” - Jennifer Roskamp Resources and Links Mentioned: * Come join us for the FREE Simplify Your Holiday Season Summit at https://apatrick--the-intentional-mom.thrivecart.com/syhsoct-all-access-pass-a-47/ Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy Connect with Jennifer: * Website: www.theintentionalmom.com * Podcast: The Intentional Midlife Mom Podcast * Instagram: theintentionalmomblog

Ever wonder what truly drives your spending habits? In this episode, we explore the underlying reasons for overspending and offer practical strategies to help you regain control of your finances. Discover how small changes in your shopping behavior and awareness of your triggers can pave the way to a healthier relationship with money. Tune in to learn how to stop overspending and move closer to your financial goals. 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. “It's really important to remove temptation. So, once you know what is causing you to overspend, remove that temptation—delete the apps, unfollow the people, unsubscribe. Understand that it's a habit, and habits can change, but it takes time and practice. You've got to be patient with yourself. Once you realize what the trigger is, you can set up roadblocks so that you aren't falling for those temptations as quickly or as often.” - Ashley Patrick Do you ever wish you had more time, space, and accountability to tackle those tasks you know should be priorities—like budgeting, paying off debt, saving money, or meal planning? If those to-dos keep slipping off your list, you're not alone! Imagine being part of a supportive community of busy moms who are navigating the same financial goals and cheering each other on. If this sounds like what you need, join the waitlist for the Money Success Club at https://leads.budgetsmadeeasy.com/msc-waitlist/ Resources and Links Mentioned: * Join the waitlist for the Money Success Club here-> https://leads.budgetsmadeeasy.com/msc-waitlist/ Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

In this episode of the Money Mindset Podcast, we dive into the essential skill of developing self-discipline with money. You'll learn how to break down your big financial goals into manageable steps, like paying off debt, and make a plan that suits your lifestyle. We’ll discuss why it’s important to not get discouraged by setbacks and how to implement habits that can help carry you through tough times. Whether you're aiming to pay off debt or save for travel, this episode offers actionable advice to stay on track, build better money routines, and stay focused on your financial journey. 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. “To me, self-discipline is really consistency, and consistency is not about being perfect at it. It's not about getting it 100% right 100% of the time. It's actually about getting it mostly right most of the time. Remember, it’s not about being perfect. Things are going to happen. Life is going to happen. Things will come up, and you will get out of your routine. But with consistency, you'll be able to get back on track easier and faster when things do come up.” - Ashley Patrick Struggling to budget? My FREE "Roadmap to Real-Life Money Success" Bootcamp will help you set up a doable financial plan and build lasting habits. Save your seat here: www.budgetsmadeeasy.com/training Resources and Links Mentioned: * Come join us for the FREE Roadmap to Money Success Bootcamp at www.budgetsmadeeasy.com/training Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Ever feel like your financial expectations don’t quite align with reality? Or maybe you’ve wondered if you’re setting the right goals for your financial journey? In this episode, you’ll gain insights into realistic planning, managing credit cards, and how small shifts in your financial mindset can lead to significant progress in paying off debt. Join us as we explore five key money mistakes that may be holding you back and learn how adjusting your expectations could be the key to success. 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’ve got to know where your money is going, which means you’ve got to track it. You’ve got to look at it and know your numbers. You need to get over the fear, procrastination, and avoidance. You’ve got to make it happen if you want to pay off your debt. It’s not going to just happen on its own, right? You’ve got to be intentional. Being intentional helps you create a realistic money plan. It all goes together, right?” - Ashley Patrick Struggling to budget? My FREE "Roadmap to Real-Life Money Success" Bootcamp will help you set up a doable financial plan and build lasting habits. Save your seat here: www.budgetsmadeeasy.com/training Resources and Links Mentioned: * Check out the full list here: https://www.budgetsmadeeasy.com/10-mistakes-to-avoid-while-paying-off-debt/ Come join us for the FREE Roadmap to Money Success Bootcamp at www.budgetsmadeeasy.com/training Connect with Ashley: Instagram: www.instagram.com/budgetsmadeeasy

Ever felt like paying off debt while affording everyday necessities is an impossible task? In this episode, we explore strategies for balancing debt payment with essential expenses, even when money is tight. We'll dive into practical tips on defining true necessities, prioritizing your spending, and organizing your finances to make consistent progress toward your goals. Make sure to listen to the full episode for tips that can transform how you handle debt. 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've got to prioritize it if you want to pay off debt. It has to be a priority. It can't be just the last thing because, guess what, there won't be anything left if you just send what's left at the end of the month. I promise you, things will come up, things will happen, and if you see that money sitting there in your account, and if you're not really, really committed and intentional with what you've got sitting there, it will go to something else.” - Ashley Patrick Struggling to budget? My FREE "Roadmap to Real-Life Money Success Bootcamp" will help you set up a doable financial plan and build lasting habits. Save your seat here: www.budgetsmadeeasy.com/training Resources and Links Mentioned: * Come join us for the FREE Roadmap to Money Success Bootcamp starting September 22nd at www.budgetsmadeeasy.com/training Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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.” - Ashley Patrick 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: * Grab your FREE Budget Starter Kit at www.budgetsmadeeasy.com/start Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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: 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. “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.” - Ashley Patrick 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. Resources and Links Mentioned: * Want to do a no-spend challenge too? Grab my FREE No-Spend Challenge Tracker at https://leads.budgetsmadeeasy.com/no-spend-challenge-tracker/ Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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: 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. “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.” - Ashley Patrick 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 Resources and Links Mentioned: * Join the July Jumpstart - A Reset For Busy Moms Summit: https://apatrick--khristenmassic.thrivecart.com/july-jumpstart/ Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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.” - Ashley Patrick 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 Resources and Links Mentioned: * Here's more tips for doing a No-Spend Challenge -> www.budgetsmadeeasy.com/no-spend-challenge Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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.” - Ashley Patrick 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 Resources and Links Mentioned: * FREE Masterclass: "How to Stop Overspending": www.budgetsmadeeasy.com/class Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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.” - Ashley Patrick 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 Resources and Links Mentioned: * Paycheck Budget Spreadsheet: https://www.budgetsmadeeasy.com/spreadsheet/ Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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.” - Ashley Patrick 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! Go to https://cart.budgetsmadeeasy.com/spreadsheet-9/ and preorder 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 Resources and Links Mentioned: * Paycheck Budget Spreadsheet: https://cart.budgetsmadeeasy.com/spreadsheet-9/ Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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.” - Ashley Patrick 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: * Grab your FREE Budget Starter Kit at www.budgetsmadeeasy.com/start Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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.” - Ashley Patrick 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. Resources and Links Mentioned: * Paying Off Debt Starter Kit: www.budgetsmadeeasy.com/debt Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

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: 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. “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.” - Ashley Patrick 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: * Grab your FREE Budget Starter Kit at www.budgetsmadeeasy.com/start Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Struggling to make your budget work? In this episode, we delve into the common pitfalls that often sabotage our financial plans. From unrealistic expectations to poor preparation, discover practical strategies to align your budget with your lifestyle, ensuring sustainable financial growth. Join us as we explore the importance of being realistic, creating effective plans, and establishing healthy habits to set yourself up for financial success. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. “So, what do you need to do to set yourself up for success when it comes to sticking to your budget? That means your meal planning, okay? But it also could be making sure that you have in your schedule a day, a time, and a place that you are going to check in with your budget. So, check in with your spending, check in with where your money needs to go.” - Ashley Patrick 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: * Grab your FREE Budget Starter Kit at www.budgetsmadeeasy.com/start Connect with Ashley: Instagram: www.instagram.com/budgetsmadeeasy * Find the video on YouTube at https://youtu.be/eQvD7mi0tgw

In this episode of the Money Mindset Podcast, we tackle the timeless question: how much should you have in savings? From the basics of starting with a small sum to figuring out how to save for future expenses and major life changes, we explore practical strategies to build and maintain a healthy savings fund. Tune in to learn how to strike the right balance between saving for the future and enjoying the present moment. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “Saving money amounts depends on your situation, where you're at in the money success roadmap. But if you're starting, start small, if you've got too much in savings, evaluate how much it is like a realistic number and decide what to do with the rest.” - Ashley Patrick 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. Resources and Links Mentioned: * Paying Off Debt Starter Kit: www.budgetsmadeeasy.com/debt Connect with Ashley: Instagram: www.instagram.com/budgetsmadeeasy * Find the video on YouTube at https://youtu.be/jcReDLtOc1w

In this podcast episode, we're diving into three simple yet crucial things you should do every month to manage your money better. We talk about keeping an eye on your spending habits, setting aside focused time for money tasks, and giving yourself credit for every little win along the way. Tune in for practical tips and advice to help you stay on track with your finances and reach your goals. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “So, I want you to check in with your spending. Make sure your money is going where you want it to go. It's hard to reach those financial goals if it's not right, like you need it to go to your goals. So, if it's going to fast food, if it's going to Amazon, and if you're not actually looking at the numbers, you're not going to estimate it in a realistic manner if you're just doing it in your head. So, you need to actually check in with your spending, track your spending, see where your money is going so that you can correct it and send it to where you actually want it to go.” - Ashley Patrick Do you need time, space, and accountability to take action on the things you KNOW you should be doing, such as budgeting so you can actually pay off debt, save money, make a meal plan, and all the other things that keep falling off your to-do list? Would you thrive in a supportive community of other busy moms who understand what you're going through and are working to achieve similar financial goals? If that’s a YES, I invite you to sign up for the Money Success Club at www.budgetsmadeeasy.com/msc 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: * Money Success Club Flash Sale: www.budgetsmadeeasy.com/msc Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy * Find the video on YouTube at https://youtube.com/live/woLxS0f2r7c

Join us for another episode of the Budget Bestie Meetup on the Money Mindset Podcast as we dive into the crucial topic of overspending and its impact on financial well-being. In this episode, we dissect the concept of lifestyle creep, where rising income often leads to increased expenditure. Discover practical strategies to combat overspending, including deleting shopping apps and reframing your mindset around money. Gain valuable insights into identifying triggers for impulsive spending and learn how to cultivate mindful spending habits at any income level. Don't miss out on this insightful discussion that can empower you to take control of your financial future. Hosting Today: Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “If you are feeling a certain type of way around certain people, following certain accounts, or even getting certain emails, and you feel like it's causing you to spend money that you don't necessarily want to spend, then it's important to unsubscribe for emails, unfollow people on social media and identify what exactly is triggering you. Because once you identify that, it will make it easier for you to change how you respond to the trigger, right? It may still trigger you, but it makes it better once you identify and recognize why it's triggering you. You can change the way you respond to it to react in a healthier way.” - Ashley Patrick Do you wish you had a supportive group of women like you to connect with about money? Come join me for a Budget Bestie Meetup on The Money Mindset Podcast, and let's learn and grow as a community! You can sign up at www.budgetsmadeeasy.com/meetup. 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 Book Recommendation: * Atomic Habits by James Clear Resources and Links Mentioned: * Book your Budget Bestie Meetup episode here-> www.budgetsmadeeasy.com/meetup Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy * Find the video on YouTube at https://youtu.be/JN8UBvOnsH8