Inspired Budget: Recent Episodes
Allison Baggerly
The Inspired Budget Podcast helps women live their best life and reach their money goals. Join me here for inspiring conversations to help you learn more about budgeting, saving money, paying off debt, and investing for your future. You’ll be hearing not only from me, but others along the way that have a story and voice to share.
There was a time I avoided looking at my bank account because I was scared of what I’d see. In this episode, I’m sharing five real changes that helped me finally feel in control of my money.
Two are mindset shifts that changed how I think about money, and three are simple actions that made managing it feel easier and less overwhelming.
We talk about removing shame from your finances, paying yourself first, checking in with your money weekly, automating the boring stuff, and auditing subscriptions that quietly drain your account. These are practical habits that don’t require perfection, just consistency.
And on a personal note, this will be my final podcast episode for now. Thank you for being here and for letting me be part of your money journey.
Links Mentioned:
- Sign up for my email newsletter
- Inspired Budget YouTube Channel
- Follow on Instagram
- Follow on TikTok
- Follow on Facebook
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
This week on the Inspired Budget Podcast, Justine Nelson from Debt Free Millennials joins me to talk about the emotional side of money.
We get into mom guilt, comparison, spending to relieve stress, and why so many women feel like they should be further along financially.
Justine also walks me through a simple game from her coaching program called “I’m the Protagonist,” where you can play along and see where you feel confident with money and where you might still be holding back.
It is a helpful episode if you are working on building financial self-trust and healthier habits.
Links Mentioned:
- Debt Free Millennials YouTube
- Debt Free Millennials Website
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
If you’re paying on your debt every month but still not seeing progress, this episode breaks down why. I explain exactly how debt consolidation works, the two most common ways people do it, and what to watch out for before deciding if it’s right for you.
We talk through debt consolidation loans and balance transfer credit cards, including the benefits, risks, and common mistakes that can leave people worse off. Debt consolidation isn’t a magic fix, but when used intentionally, it can be a helpful tool as part of a bigger plan.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
What does it feel like to be the first in your family to graduate, earn a salary, and suddenly make more money than the people who raised you? In this episode, I’m talking with Maria Melchor, creator of FirstGenLiving, about the emotional and financial weight of being first-gen.
Maria shares how she navigated guilt, money confusion, and cultural expectations while trying to build a secure financial life for herself. She talks about finding her footing, setting boundaries, and creating money habits that feel supportive instead of stressful.
If you are the first in your family to “make it,” or you’re working to rewrite old money stories, you’ll feel right at home in this conversation.
Connect with Maria:
Instagram: @firstgenliving
TikTok: @firstgenliving
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Impulse spending doesn’t mean you’re bad with money. It usually means something deeper is going on. In this episode, I share personal stories and practical strategies to help you understand why impulse spending happens and how to respond to it without shame or extreme restriction.
We talk about how emotions like stress, boredom, comparison, and even celebration can drive unplanned spending, and why willpower alone rarely works. I walk you through simple habits that help you slow down, notice your patterns, and create boundaries so spending feels intentional instead of reactive.
If you’ve ever wondered why you keep buying things you didn’t plan for and then feel guilty afterward, this episode will help you see what’s really happening and how to make changes that actually stick.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
What if you could slow down on retirement savings and still be on track for the future?
In this episode, I’m talking with my friend Andy Hill from Marriage Kids and Money. Andy and his wife reached Coast FIRE in their early 40s, which lets them work part time while their retirement accounts grow in the background.
He explains Coast FIRE in simple terms and then walks me through my own numbers live. We dig into my husband’s teacher pension, what we’ve already invested, and what it would take for our family to be work optional by the time our boys are in college.
If you’ve ever wondered when you can stop putting so much toward retirement and start enjoying more time freedom, this conversation will give you new hope.
Links mentioned:
• Andy’s book Own Your Time • Coast FIRE calculator
• Marriage Kids and Money Podcast
• @marriagekidsandmoney on Instagram
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Saving $10,000 can feel like something only other people can pull off. But in this episode, I break it down into simple math and a clear plan that works in real life, even if money feels tight right now.
I walk you through a step-by-step approach to choosing a pace you can stick with, automating your savings so willpower isn’t required, and finding extra money each month without feeling deprived.
We also talk about boost months, common traps that slow people down, and how to stay consistent when life gets messy.
Open a HYSA here: https://inspiredbudget.com/hysa
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
What does it take to actually stick with your money goals past mid-January? This week I’m teaming up with money coach Germaine Foley for a candid, practical conversation about starting the year strong without going to extremes.
We’re sharing simple, doable ways to save money, stay consistent, and give yourself grace along the way. From an easy insurance audit that can save hundreds to the B minus mindset that keeps you from quitting when things aren’t perfect. You’ll also hear how to lead with your why, make money check-ins a habit, and plug the five leaks that might be holding you back.
If you want small wins you can do today and a plan you can keep all year, this episode will help you get steady and stay steady.
Resources Mentioned:
- Germaine’s free class: How to Build Wealth Without a Strict Budget
- My free Goodbye Debt Tracker
- Becoming the Wealthy You Podcast by Germaine Foley
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
What if six months was all it took to feel completely different about your money? In this episode, I’m walking you through the exact step-by-step plan I’d follow if I had to reset my finances from scratch.
No extremes. No shame. No “rice and beans forever.”
Just simple habits that actually work in real life.
We walk through each month of the plan, from getting honest about where you are, to building a realistic budget, to creating an emergency fund you can count on. You’ll also learn how to fix the one money problem that’s been weighing you down, how to automate the things that matter, and how to strengthen your habits so they stick long-term.
If you’ve been feeling behind or overwhelmed, this episode will help you see a clear path forward — one that feels doable and steady, not stressful.
Here’s a list of the top high yield savings accounts with the best rates.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
For years I believed budgeting was enough to make me feel in control, but I still felt stressed and a few steps behind. In this episode, I’m sharing the three habits that finally changed things for me.
These habits helped me stop avoiding my numbers, understand the spending patterns that kept holding me back, and set up systems that made saving and planning feel natural instead of overwhelming.
I’ll walk you through the simple changes that helped me stop panicking about money and start feeling more in control. None of this requires perfection. It’s about choosing habits that support your life and make your finances feel more predictable.
If you’re looking for more stability and you want money to feel less chaotic, this episode will help you take the next step.
Links mentioned:
- High Yield Savings Accounts with the best rates
- Inspired Budget YouTube Channel
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
The day after Christmas can feel quiet… and a little heavy.
In this episode, I’m sharing the story of why Christmas Day is often one of the busiest days on my website and what it reveals about how many of us really feel about money once the gifts are opened and the excitement settles.
We talk about why that post-holiday “wake-up call” doesn’t mean you failed, why January is the perfect time for a reset, and how a simple plan can bring calm and clarity after a busy season.
If you’re ready to start January feeling steadier, I invite you to join my free, on-demand 45-minute class where I walk you through a simple money reset you can actually follow.
Join the free class here: http://inspiredbudget.com/2026-podcast
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Today I’m hanging out with my friend Chris Browning from Popcorn Finance for a special crossover episode filled with laughter, awkward money moments, and honest reactions to real Reddit stories.
We’re diving into some truly wild financial situations, from a $250 white elephant gift exchange to a friend asking for $2,300 after a baby broke her sunglasses and phone, to a daughter feeling pressured to send her mom money every month.
In true This Is Awkward fashion, Chris and I unpack each scenario, debate what we’d do, and share our own awkward stories along the way.
Need a laugh or a reminder that everyone has messy money moments? This episode will make you smile and maybe even make you feel thankful your own family drama doesn’t involve a $250 candle.
If you want to share your own awkward money situation, we’d love to hear it!
Leave a voicemail at 707-200-8259 or DM us at @inspiredbudget or @popcornfinancepodcast.
Connect with Chris:
- Popcorn Finance Podcast – short, snackable conversations about money
- Talk Sleepy to Me Podcast – relaxing stories to help you unwind and fall asleep
- Instagram: @popcornfinancepodcast
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
So many people are working full time yet still feel like they’re falling behind. In today’s episode, I’m breaking down why this is happening and what you can do to take back control of your money, even in a tough economy.
We talk about:
- Why 45 percent of Americans say the cost of living feels unaffordable
- The truth about debt, housing costs, and lifestyle creep
- Five simple steps to create real breathing room again
I also share the exact starter habits that will help you feel more stable with your money, including how to build a small emergency fund and why a high yield savings account matters.
Check out my favorite high yield savings account options: https://inspiredbudget.com/hysa
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
What if your money fights aren’t really about money? In today’s episode, I’m talking with financial therapist Nathan Astle about the real reasons couples clash over spending, saving, and debt — and how to get back on the same team.
Nathan explains what financial therapy is, how power dynamics show up in marriages, and why guilt can help but shame keeps us stuck. If you’ve felt alone, overwhelmed, or unsure where to start, this conversation will give you hope and a plan.
Resources mentioned:
- Financial Therapy Clinical Institute (FTCI) — free resource library (Money Timeline and Money Story worksheets)
- Money Minus Shame Podcast with Nathan Astle
- Financial Therapy Association — find a financial therapist directory
- Connect with Nathan on LinkedIn
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this brief episode, Allison offers a heartfelt message of encouragement to stay the course on your financial journey. Happy Thanksgiving!
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
What if paying off your debt didn’t have to feel like punishment? In this episode, I’m joined by Jacent Wamala, a licensed therapist and money coach who paid off $94,000 of debt in just three years…all on a single income!
After walking through divorce, grief, and grad school, Jacent decided to treat her debt-free journey as an experiment instead of a burden. She shares how she stopped letting shame lead the way, got practical about her money, and created systems that actually worked for her life.
If you’re working to pay off debt, or thinking about starting, this episode will remind you that it’s not about perfection. It’s about progress, intention, and believing that your future self deserves peace of mind.
Connect with Jacent:
- Instagram: @jacentwamala
- YouTube: Jacent Wamala
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever feel like you’re crushing your budget… until halfway through the month when you realize you’ve overspent? You’re not alone. I’ve been there too—and the good news is, it doesn’t mean you’ve failed.
In this episode, I’m sharing the five simple steps my family uses to fix our budget when things go sideways. From adjusting your numbers without starting over to shifting your mindset so you don’t spiral, you’ll walk away with a clear plan to reset and move forward with confidence.
Links Mentioned:
- Get the Budget My Paycheck Spreadsheet
- Take my FREE budget class
- Watch the video: Tracking Your Spending Is More Powerful Than You Think
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
If a big hospital bill just landed in your mailbox and your stomach dropped, take a breath. You may not have to pay all of it (or any of it). In this episode, Jared Walker, founder of Dollar For, explains how hospital charity care (financial assistance) works, who qualifies, and how his nonprofit walks patients through the process for free.
Try This Now:
- Check eligibility for yourself or a loved one: dollarfor.org/inspiredbudget
- Already in collections or on a payment plan? Apply anyway—you may still qualify and get past payments refunded.
- Not eligible? Ask for an itemized bill, look for errors, and call to ask for a settlement amount.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
If you’ve ever had to dip into your emergency fund, you’re not alone. It’s such a frustrating feeling to watch your savings go down after working so hard to build it up. You know it’s there for a reason, but still, it can feel like a major setback.
In this episode, I’m answering a listener question from Rachel, who asked what to do after you’ve had to use your emergency fund. I’ve been there myself, and I know how discouraging it can feel to start saving all over again.
I’ll walk you through how to reframe the way you think about your emergency fund, how to rebuild it step by step, and how to deal with the emotional side of starting over. You’ll also hear practical ways to keep future “emergencies” from draining your savings again, plus a few simple mindset shifts that will help you stay motivated while you rebuild.
My hope is that you’ll walk away feeling encouraged, proud of the progress you’ve already made, and confident in your ability to bounce back (because you’ve done it once, and you can do it again).
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever wish someone could just hand you a list of side hustle ideas that actually fit your skills and schedule? In this episode, Nick Loper, host of The Side Hustle Show, shows us how to do exactly that with the help of AI.
Nick has a free worksheet that pairs with ChatGPT to brainstorm side hustle ideas. We test it live during our conversation using my own skills and interests. The result? A list of realistic, personalized ways to make extra money that I never would have thought of on my own.
If you’ve been stuck on “what could I even do?” this episode will help you see how AI can take the guesswork out and give you a real starting point.
Links and resources
- Nick’s free worksheet: sidehustlenation.com/allison
- Nick’s podcast: The Side Hustle Show
- 30 Ways to Make Extra Money for Christmas
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
If your grocery spending feels like it’s getting out of control, you are not alone. As my kids have grown, I’ve noticed just how much more food (and bigger portions!) we’re going through every single week. Add inflation on top of that, and suddenly the grocery bill looks way higher than it used to.
In this episode, I’m sharing the 3 rules my family lives by when it comes to grocery shopping. These three habits have saved us hundreds of dollars each month—and they’ve made grocery shopping way less stressful. My hope is that you’ll hear at least one tip you can start using right away to spend less on food and feel more in control of your grocery budget.
📩 I’d love to hear from you! Send me your favorite grocery-saving tips at allison@inspiredbudget.com so I can share them with our listeners.
For coupon tips in Texas: TXFrugalFinds
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
What does it really take to go from struggling with money to building lasting wealth?
This week on the Inspired Budget Podcast, I’m joined by Emily Egashira, a Certified Financial Education Instructor who went from living in poverty and surviving off TV dinners… to becoming a debt-free millionaire in her 30s.
Emily opens up about:
- Growing up in poverty and how it shaped her relationship with money
- Why financial freedom happens in stages—and what those stages look like
- How to figure out your number for retirement (and why it’s not about age)
If you’ve ever felt behind or hopeless with money, Emily’s story is living proof that you can rewrite your financial future.
Follow Emily on Instagram & TikTok
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Paying off over six figures of debt completely changed my family’s future, but it was not a perfect journey. Looking back, there are three big mistakes I made along the way. And honestly, I wish someone had told me sooner so I did not have to learn the hard way.
In this episode of the Inspired Budget Podcast, I’m sharing:
- Why making your budget too strict will only set you up for failure
- The mistake of focusing only on cutting costs instead of finding ways to earn more
- My biggest money regret of all: waiting too long to start investing
If you are in the middle of your own debt-free journey, learn from my missteps so you do not have to repeat them. These small changes can save you from frustration, burnout, and years of lost progress.
Here is the truth: getting out of debt is not about being perfect. It is about being consistent and giving yourself a plan that actually works for your real life.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Picture this: your grocery bill, cut in half. Sounds impossible, right? Not when you've got the queen of budget-friendly meals, Erin Chase, guiding you through the art of frugal feasting!
Erin, founder of $5Dinner.com and author of the $5Dinner Mom Cookbook series, joins us for a chat that's sure to change how you shop, cook, and eat. From navigating the grocery store during turbulent times to leveraging store apps for the best sales, Erin’s expertise is a lifeline for those looking to save a buck without sacrificing the joy of a good meal.
But it's not just about saving money, it's also about gaining confidence in the kitchen. Erin shares her secrets to discovering the joy of cooking. She serves up tips on creating simple yet delicious meals, cutting down on dining out, and preventing food waste by stocking up on freezer-friendly options.
With Erin's wisdom, you'll not only save money but also rediscover the delights of home-cooking. So, ready to cook up some savings? Join us for this insightful chat with Erin Chase.
Connect With Erin:
Get the recipes, shopping lists and step-by-step directions for putting 10 meals together and into the freezer.Check out her website here
Follow her on social media:
@5dollardinners (Tw/IG/Threads)
@5dollardinnersfans (FB)
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
If you’ve ever felt that rush from clicking “Buy now,” waited for the package like it was Christmas morning, and then… felt the guilt later, you’re not alone. In this episode, I share the honest story of how I used shopping to cope with stress, boredom, and hard feelings—and the simple shifts that helped me break the cycle.
We’ll talk about why shopping feels good in the moment (hello, dopamine and anticipation), the real emotional cost that shows up later (avoidance, dread, and sleepless nights), and the four changes that made a lasting difference for me.
Whether you’re impulse-adding to cart after a long day or “treating yourself” out of stress, you’ll walk away with a 3-step plan you can use the next time the urge hits, plus a flexible way to budget for fun without derailing your goals!
Read the Psychology Today article: Shopping, Dopamine, and Anticipation
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Have you ever felt stuck on whether to buy something? Maybe it sits in your Amazon cart for weeks—or you hit “order” and later regret it. In this episode, I’m joined by Abigail Roe of Downsize Upgrade, who created the Deliberation Station: a set of quick questions that help you decide if a purchase is worth your money, space, and energy.
We talk about:
- The simple two-scale method she uses to filter how she spends her time
- How the Deliberation Station can stop impulse spending in its tracks
- My own real-life example (yes, I tested it on an item I wanted to buy!)
This conversation will leave you with practical ways to slow down, think differently about spending, and start aligning your purchases with your priorities.
Resources & Links:
- Connect with Abigail: DownsizeUpgrade.com
- Follow her on Instagram & TikTok: @downsizeupgrade
- Grab the Deliberation Station printable
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
If you’ve ever felt like you’re doing everything “right” with money but still stuck living paycheck to paycheck, you’re not alone. More often than not, it’s not the math that’s holding you back—it’s the money lies you’ve come to believe.
In this episode, I’m calling out five lies that might be keeping you broke (yes, even the ones I used to believe myself!). You’ll hear the truth behind each one and the simple steps you can take to finally move forward with your money.
Whether you’ve believed one of these lies or all five, today’s episode will help you replace them with truth and hope—and finally start creating the financial future you want.
Resources Mentioned:
- Grab your FREE Goodbye Debt Tracker: track your debt payoff and celebrate progress along the way
- Budget My Paycheck Spreadsheet: the exact tool I use daily to track my money and write a budget
- Join my free class: Budget Your Way to Wealth – over 15,000 people have taken it and loved it!
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
What if downsizing your home could actually upgrade your life? In today’s episode, I’m chatting with Jacqueline from Home Reimagined, who shares how she and her husband left behind a high-cost lifestyle in Austin, Texas to live full-time in a luxury RV. They cut their expenses by 45% and gained so much more in the process!
Jacqueline opens up about what it was really like to let go of stuff, how their spending habits shifted, and how this big change positively impacted her business, marriage, and mental health. Whether you're downsizing or just craving less clutter and more peace, you’ll walk away with practical tips to create a home (and life) that truly works for you.
Connect with Jacqueline:
✨ Instagram: @home_reimagined_
✨ Instagram: @travelreimagined_
📺YouTube: Home Reimagined
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
It’s back-to-school season, which means schedules are packed, evenings fly by, and the to-do list never ends. If you’ve ever felt like you’re just trying to keep your head above water this time of year, you’re not alone.
In this episode, I’m sharing the five routines that help me keep my home and budget running during busy seasons—and the three things I’d like to do better. You’ll hear exactly how I meal plan, keep my family on the same page, and stay on top of our finances without letting things spiral.
Whether you have kids at home or just want to better handle busy stretches in life, you’ll walk away with practical ideas to make this season feel a little less overwhelming.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Has anybody else been binge-watching "Get Organized with The Home Edit" on Netflix?
Between that and my new kitchen renovation, I've been in an organization frenzy. So it only felt fitting to have Christina Hidek on the podcast today, an attorney turned professional organizer who is passionate about structure, organization and creating custom systems that help people de-clutter their lives.
Now I know you might be thinking.... professional organizer?! What does that have to do with money? Well, in this episode, we're discussing all the ways that clutter affects your finances as well as some quick tips to help you save money by getting more organized!
Enjoying the podcast? Make sure to subscribe & leave a review!
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Let’s be real. Paying off debt is tough. But trying to do it while raising little kids? That’s a whole new level of hard.
In this episode, I’m sharing what it was really like to pay off over six figures of debt while being a mom to two little ones. I talk about the guilt, the pressure, and the emotional weight I didn’t expect. This isn’t a step-by-step guide. It’s a heart-to-heart about the five things I wish I had known before starting our debt-free journey as a mom.
If you're a parent trying to get out of debt while carrying the weight of wanting the best for your kids, this episode will remind you that you’re not alone. You are doing the best you can, and it matters.
Want to learn the exact steps my husband and I took to pay off $111,000 of debt without giving up everything we love?
Grab a seat in my free budget class here: https://inspiredbudget.com/freeclass
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I sit down with financial therapist Dr. Erika Rasure to talk about something most personal finance advice skips over: the emotional side of money. Erika shares why so many of us carry shame, guilt, or fear when it comes to spending and debt, and how we can begin to break those patterns for good.
We discuss:
- What financial wellness really looks like beyond just budgeting
- How emotional triggers show up in spending and saving
- My own story of financial defensiveness (yep, I’m sharing!)
- What to do if you and your partner don’t see eye to eye on money
- How to move forward if you feel stuck in debt or shame
This conversation is heartfelt, eye-opening, and full of the grace we all need when we’re working on our money habits. You are not alone and you are not behind.
Connect with Dr. Erika onLinkedIn
Learn more about Beyond Finance
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I’m walking you through the six steps I would take if I woke up today with over $100,000 of debt. This is the exact approach I’d follow based on my own experience of paying off $111,108.29 on two teacher salaries while raising a family.
I’m breaking down what I’d do differently, what worked for us, and how to stay motivated along the way…because paying off debt is just as emotional as it is practical.
Whether you’re just getting started or starting over, this episode will help you take real, doable steps toward becoming debt free (without the shame or overwhelm).
📥 Grab the FREE Goodbye Debt Tracker: https://inspiredbudget.com/goodbyedebt
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
My guest today paid off over $215,000 in student loans and credit card debt in just 48 months!
Cindy Zuniga-Sanchez is a daughter of two immigrants, a lawyer turned entrepreneur, and the founder of Zero-Based Budget Coaching, LLC. After graduating law school in 2015, Cindy found herself in six figures worth of debt. Instead of giving into the temptation to "live the life of luxury" she deserved from all her hard work, she took control of her money by immersing herself in the world of personal finance and paid it all off in just 48 months.
No matter your profession, income level or how much debt you have, this episode is for you!
Enjoying the podcast? Make sure to subscribe & leave a review!
Links
Follow Cindy on Instagram
The Blueprint to Financial Freedom
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Let’s rewind to the beginning of our debt-free journey—back when I thought paying off six figures of debt would be simple, linear, and honestly… a little more glamorous.
Spoiler alert: it wasn’t.
In today’s episode, I’m getting real about the three biggest things I wish someone had told me before we even got started. These aren’t the kind of tips you find in a finance textbook. These are the behind-the-scenes lessons that shaped me emotionally, mentally, and practically and completely changed how I see money (and myself).
No matter if you're just getting started, feeling stuck halfway through, or trying to get back on track after taking a break, this episode is your reminder that you don’t need a perfect budget or a big paycheck to make real progress.
Links & Resources:
👉 Grab the FREE Debt-Free Roadmap. It's a step-by-step plan to help you get started
📖 Money Made Easy. My book walks you through budgeting and building financial confidence.
📱 Follow me on Instagram: @inspiredbudget
Enjoyed this episode?
Take 20 seconds to leave a quick review. It helps the show reach more people who need encouragement and clarity on their financial journey. 💛
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
What do you do when you wake up and realize you owe $169,000 in debt? If you're Leigha, you grab a spreadsheet, get honest with yourself, and start sharing your journey online.
In this inspiring episode, Leigha (@millennial30something) opens up about the moment she said enough is enough and decided to not only start her debt free journey, but share it online as well.
We talk about:
- How she balances paying off debt with still enjoying life
- The exact numbers behind her $169K debt total (including 13 credit cards!)
- Why even a $3 refund check can make a difference on your debt-free journey
Whether you’re just starting out or in the messy middle of your own debt-free journey, Leigha’s story is the encouragement you didn’t know you needed.
🔗 Follow Leigha on TikTok, Instagram, and YouTube
📊 Download her free debt & budgeting tracker [linked in her bios]
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
When my husband and I decided we were DONE with debt, we had no clue where to start. We were drowning in over $111,000 worth of debt and making two teacher salaries. We didn’t have extra money lying around, but we were determined to change our lives. So what did we do first?
In this episode, I’m walking you through the very first five steps we took to pay off six figures of debt. These are simple, doable things that helped us build momentum and stay on track (even during the hard days).
If you're overwhelmed by your debt or have started and stopped a million times, this episode is for you.
✨ Grab my Goodbye Debt Tracker for free! This Google Sheet helps you:
- List and organize all your debts
- Compare the snowball vs. avalanche method
- Plug in extra payments and see how much faster you can be debt free
→ Download it here: inspiredbudget.com/goodbyedebt
📅 Ready to get serious about budgeting and paying off debt without sacrificing everything you love? Grab my book Money Made Easy right here.
If you enjoyed this episode, I’d love it if you left a review. It helps the podcast reach even more people who are ready to change their money story.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I talk with Katie Kimball about teaching kids kitchen skills that save both time and money. Katie shares practical advice for parents looking to build cooking independence in children while keeping grocery budgets in check.
In this episode you will learn:
- How to teach age-appropriate kitchen skills to kids 10+ (like knife skills and stovetop cooking) that build independence while saving you time
- Practical strategies for managing summer snacking that won't break your budget
- How to implement a family cooking rotation where each child takes responsibility for an entire meal
This episode is for you if you're tired of doing everything in the kitchen yourself and want to teach your kids valuable skills that will save you time and money while preparing them for adulthood.
Go to kidscookrealfood.com/inspiredskills to access free life skills training videos and learn about her virtual Life Skills Summer Camp featuring 100 different skills taught by experts.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Just because I teach budgeting doesn’t mean I’ve always made perfect money choices. In this episode, I’m getting personal and sharing six purchases I regret. Not to shame myself or anyone else, but to show that we’re all learning as we go.
Some of these were impulse buys. Some were made with the best intentions. But all of them taught me something about values, priorities, and how sneaky spending pressure can be.
Here’s what I cover:
- The mindset that led to a few expensive mistakes
- What I wish I had done differently
- How these lessons changed the way I spend today
This isn’t a list of things no one should ever buy. It’s a reminder that regret is part of the money journey, and that learning from past decisions helps us spend with more confidence and peace moving forward.
💬 If you’ve ever looked at a purchase and thought, “What was I thinking?” you're not alone. You’re in good company.
📘 Want more stories, strategies, and support for making a budget that feels right for your life? Grab my book Money Made Easy on Amazon or wherever books are sold.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I sit down with my friend Kelly Anne Smith to talk about what it really looks like to go from barely getting by to building a life with financial peace. Kelly opens up about her early money mistakes, including the time her car was repossessed—even though she technically had the money in her account.
We talk about:
- Why not knowing where your money is going can cost you big time
- How she paid off $23K in student loans and cash-flowed a $30K wedding
- What it looked like to budget with a partner who had totally different money habits
- How she stayed motivated when budgeting got hard—and what finally clicked
If you’ve ever felt stuck, behind, or like you’re the only one trying to figure this money thing out—this episode is for you. Kelly’s story is full of real-life lessons, hard-won wins, and the kind of hope we all need to keep going.
Resources Mentioned:
- Follow Kelly on Instagram
- Get the Ultimate Side Hustle Guide
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever feel like you're trying to pay off debt while holding your breath, hoping your income doesn’t suddenly vanish? Or maybe your family has income that comes in waves, and you’re just trying to keep the budget afloat?
You’re not alone. In this episode, I’m answering two listener questions that so many people are navigating right now:
- Should I pause my debt payoff if I’m worried about losing my job?
- How do I budget when my income is totally unpredictable?
We’ll talk about:
- Why pausing your debt-free journey isn’t failing, it's smart
- How to build a financial safety net when layoffs are on the horizon
What a “bare bones budget” is and why it matters - How to create an “income bucket” to smooth out unpredictable paychecks
- And most importantly, why budgeting has to be flexible
Whether you’re in a rocky job situation or dealing with variable income, this episode will help you feel more prepared and less overwhelmed. Small, steady steps matter, and I promise, you’re not behind.
📘 Grab my book Money Made Easy for more step-by-step help, including examples, visuals, and real-life stories from our own journey.
💌 Want to submit a question for a future episode? Email me at allison@inspiredbudget.com or DM me @InspiredBudget on Instagram.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I chat with Kevin Payne about how families can experience the magic of Disney without breaking the bank. Kevin shares his journey from adopting two children (doubling his family size!) to finding ways to make travel affordable while maintaining certain non-negotiables.
We discuss:
- The biggest Disney expenses
- Pros and cons of staying on vs. off Disney property
- How to save on food
- Setting souvenir budgets for kids (and why food often becomes the best souvenir)
Kevin reveals that even though Disney has gotten more expensive, there are always ways to make it work within your budget by being intentional about what aspects matter most to your family.
Whether you've never been to Disney because you thought it was out of reach (like I once did) or you're a Disney veteran looking for new savings tips, this episode will help you plan an affordable magical experience.
Listen to Kevin's podcast, The Family Money Adventure Show, or find him on social media @HeyKevinPayne.
Also, you can check out Disney tips at The Undercover Tourist
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Summer spending can sneak up on you fast. Between pool days, fireworks, and sales everywhere you look, it’s easy to blow through your budget without even realizing it.
In this episode, I’m getting honest about where I’m NOT spending money this summer (looking at you, lemon-themed decor) and the few things I am saying YES to, guilt-free.
I’m sharing:
- 7 things I’m skipping this summer to save money and reduce stress
- 3 things I’m excited to splurge on, including family travel and a backyard upgrade
- How we’re using gift cards, free fun, and summer camp hacks to stretch our budget
My hope is that this episode helps you rethink your own summer spending. Grab your notes app and jot down your own "no" list and "yes" list. It’s such a helpful way to stay intentional with your money while still enjoying the season.
👉 Send me a DM on Instagram (@inspiredbudget) and tell me what you’re saying "no" and "yes" to this summer. I’d love to hear your list!
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Jesse Cramer, a former aerospace engineer turned financial planner, joins me to talk about longevity risk and why it’s especially important for women to plan for the long haul.
We talk about what it means to outlive your money, how Social Security really works (especially for stay-at-home moms or lower earners), and what to do if you're behind on retirement savings. Jesse breaks it down in everyday language that anyone can understand.
You'll learn:
- What spousal and survivor benefits actually mean
- How to build a “retirement paycheck” that doesn’t just rely on Social Security
- Why it’s okay to start investing even if you don’t know everything yet
- When it might make sense to hire a financial advisor (and when it doesn’t)
Whether you're in your 30s, 50s, or somewhere in between, this episode is your reminder that it’s not too late and you don’t have to figure it out alone.
🔗 Links Mentioned:
- Jesse’s blog: bestinterest.blog
- Jesse’s podcast: Personal Finance for Long-Term Investors
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Today is my birthday—I'm 38! 🎂 And instead of giving you a list of lessons or tips, I’m doing something a little different. I’m sharing what this season of life feels like—from motherhood and money, to business, marriage, and the friendships that come and go.
This is a heart-to-heart episode about being present, growing through the hard parts, and choosing what matters most. Whether you’re deep in your own season of change or just love a good reflective moment, I hope this speaks to you.
In this episode, I’m sharing:
- What I’ve stopped dreaming about—and what I’m dreaming of now
- The moment in motherhood that made me pause and feel proud
- Why financial freedom is so much more than a number
- What’s still hard (yes, even now!) and what I’m excited for in year 38
🎧 Press play and then come DM me: What does this season of life feel like for you?
🎁 Ready to take control of your money? Watch my free budget class here.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
What if you could turn your creative curiosity into a side hustle that pays off debt, fits around your kids’ schedules, and maybe even replaces your 9-to-5?
In today’s episode, I’m chatting with Emily Odido-Sutton, a former educator turned full-time Etsy seller, who built a wildly successful print-on-demand business—without any prior design or business experience. Yep, zero.
We talk about:
- Why she started selling on Etsy with no design background
- How print-on-demand works (and why it’s perfect for busy moms)
- The exact moment she realized she could quit her day job
- What her workdays look like now (spoiler: it’s not 40 hours!)
- Her $500K in revenue milestone and 30% profit margin
Whether you’re side hustle curious or dreaming of more flexibility and financial freedom, Emily’s story will leave you inspired and thinking, “Wait, maybe I can do this too.”
Learn more about Emily’s course: Gifting Gold
Follow her on Instagram: @ecommemily
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this special Q&A episode, I’m answering two important questions from our Inspired Budget community. First, we talk about how to prepare your finances when prices are rising and the economy feels uncertain (hello, tariffs and recession talk!). Then, I answer a question about what to do when you keep going over budget—even when you technically have the money.
Whether you're adjusting to a new season of life, feeling the pressure at the grocery store, or just want to feel more in control of your money, this episode will help you move forward with clarity and confidence.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Today, we’re sitting down again with Jeremy Schneider, and it feels just like catching up with an old friend who’s here to clear up the confusion around financial advisors. Jeremy, who's behind both Personal Finance Club and the new venture, Nectarine, shares personal stories and why finding genuine, unbiased financial advice can be tricky.
If you've ever felt unsure about who to trust with your financial questions, this episode will feel like a breath of fresh air, giving you the confidence to seek advice that truly has your best interest at heart.
What You'll Learn:
- The real differences between fee-based and commission-based financial advice—and why it matters to you.
- Stories from Jeremy and Allison that reveal the tricky situations you might encounter with commission-driven advisors.
- How to spot and steer clear of financial advice that doesn't have your best interests in mind.
- An introduction to Nectarine, where you can find financial advisors who work on a flat fee or hourly basis—meaning they're working for you, not for a commission.
- Practical tips for vetting financial advisors and feeling secure in your choices.
Links and Resources:
- Check out Nectarine to connect with trustworthy financial advisors.*
- Learn more about investing at Personal Finance Club.
- Listen to Jeremy’s first visit to the Inspired Budget Podcast
*I will be compensated by Nectarine if you use my affiliate link, which creates an incentive and conflict of interest. I am not a current client or employee of Nectarine.
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Two months ago my youngest son had a freak accident that turned our world upside down. What started as a chipped tooth at school quickly spiraled into multiple surgeries, procedures, and a life-changing injury.
I'm taking you behind the scenes of this emotional journey - from that first call from the school nurse to endless visits with specialists and surgeries. I’m sharing how we navigated multiple specialists, several surgeries, and what this means for my son (and us!) going forward.
This accident will have lasting impacts on my 10-year-old, but I'm also sharing why having an emergency fund was absolutely crucial in helping us focus on his care rather than financial stress.
High Yield Savings Account Link - earn 10x national average!
Financial Impact:
- Emergency Room (Medical):
- Total Bill: $7,230.00
- Insurance Paid: $2,659.20
- We Paid: $3,199.56 (30% discount)
- Pediatric Dentist (Dental):
- Total Bill: $1,073.00
- Insurance Paid: $123.00
- We Paid: $583.00 (discount)
- Oral Surgeon (Dental):
- Total Bill: $3,441.00
- Insurance Paid: $211
- We paid: $3,230.00
- Orthodontist:
- Total Bill: $3,950.00
- Insurance Paid: $1,395.00
- We Paid: $2,555.00
- Endodontist (Dental):
- Total Bill: $4,636.00
- Insurance Paid: $0.00
- We Paid: $3,477.00 (25% discount)
- Total Paid to Date: $13,044.56
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, Allison chats with Shannah Game, financial expert and author of "Unraveling Your Relationship with Money." They dive into the deep end of our feelings about money, discussing how emotional and psychological factors impact our financial decisions. This episode is packed with stories and tips on how to manage your money mindfully.
What You'll Learn:
- The importance of emotions in your financial life.
- Simple steps to fix unhealthy money habits.
- How to feel good about your finances, no matter your bank balance.
Resources Mentioned:
- Shannah Game's Book: Unraveling Your Relationship With Money
- Shannah’s Podcast: Everyone’s Talkin’ Money Podcast
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, Allison shares a 4-step strategy that will make a real difference in your financial life and help you break free from credit card debt.
These are real steps for real people who want to pay off their credit card debt, stop the debt cycle, and build a healthier relationship with credit.
If you're feeling overwhelmed by credit card balances, stressed about making minimum payments, or sick of throwing money away on interest, this episode is exactly what you need. Think of it as your roadmap to finally getting ahead of your credit card debt.
After listening, you'll have 4 practical steps that can change your money situation. You'll move from feeling stuck in the credit card trap to feeling confident and ready to face your financial future.
This episode comes with two helpful resources—the Goodbye Debt Tracker spreadsheet and the Debt Free Roadmap—created to help you overcome credit card debt with simple, proven strategies. And you can start using them right away.
Resources Mentioned:
- Get the ‘Goodbye Debt!’ Tracker
- Download the Debt Free Roadmap
- Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Is talking about a prenup planning for divorce—or is it actually planning for a successful marriage? In this episode, I chat with Carlie Spencer, family lawyer and founder of The Prenup Girl.
Carlie is on a mission to help couples create strong marriages by having open, honest conversations about finances and future plans—starting with a prenuptial agreement.
You’ll walk away with practical tips for having “the money talk” with your partner, understanding the true purpose of a prenup, and insights into creating a marriage built on trust and transparency.
If you’re engaged, married, or simply curious about how prenups work, this episode is for you!
Resources & Links Mentioned:
Carlie’s Book: The Prenup Girl’s Guide to a Successful Marriage
Book Mentioned: The Defining Decade by Meg Jay
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, we're diving into the 6 sneaky reasons your budget might be failing (and trust me, you're not alone in this!). Ever look at your bank account and wonder where all your money went, even though you had a budget? Been there! I'm sharing a real story about how life threw our family a curveball last month with medical expenses, and how we handled it.
You Will Learn:
- Those Tricky Irregular Expenses: How to handle those surprise (but not really surprise) expenses like car maintenance and annual subscriptions without derailing your whole budget.
- Why Being Too Strict Backfires: I'll share how giving ourselves just $20 of fun money changed everything in our budgeting journey.
- Rolling with Life's Changes: From inflation to growing kids (who knew they could eat so much?), learn how to adjust your budget when life shifts.
- Setting Goals That Stick: Why trying to cut your restaurant budget from $500 to $50 probably won't work (and what to do instead).
- Those Sneaky Small Purchases: How $8 lunches and random Amazon buys can add up to over $2,200 a year without you noticing.
- The Weekly Money Check-In: My simple 5-minute routine that keeps our budget on track without making it feel like a chore.
Grab your coffee (or tea!), maybe a notebook, and let's talk about making your budget actually work for your real life. Because honestly? The problem isn't you - it's probably one of these six things we're about to fix.
Join my free 7-Day Budget Makeover Challenge
Check out Axos ONE's savings and checking bundle: http://axosbank.com/allison
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever feel like you’re doing all the “right” things with your money but still not getting the results you want? In this episode, I chat with Jessica Moorhouse, author of Everything But Money, about the often-overlooked barriers that hold us back financially.
Jessica shares her personal story of growing up with financial shame, how family history influences our money habits, and the transformative power of rewriting your money story.
What You’ll Learn:
- Why your money habits are shaped by your childhood experiences
- How trauma (big or small) impacts your financial decisions
- Actionable steps to start rewriting your money story today
Don’t miss this episode if you’re ready to uncover what’s really standing between you and your financial goals.
Jessica’s book: Everything But Money
Follow Jessica on Instagram: @JessicaIMoorhouse
Listen to Jessica’s podcast: More Money Podcast
Check out Axos ONE's savings and checking bundle: http://axosbank.com/allison
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, we're talking about 4 must-have money talks with your partner or family. You know, the kind that can feel a bit awkward but are totally crucial if you want to keep things smooth in the finance department.
If you've ever felt nervous about bringing up the budget or debt with your loved ones, or if you're just not sure how to start that kind of conversation, this one's for you. I'm pulling from my own life (yep, all the messy and successful bits) to help you see you're not alone in this.
You Will Learn:
- Dreaming Together: How to talk about saving up for big dreams without making it feel like a math test.
- Debt Doesn't Have to be Scary: How to share your debt stories without shame and tackle them as a team.
- Spending Habits: I'll share how my husband and I learned to handle our very different spending styles without arguments.
- Emergency Funds: Because life throws curveballs, and I'll tell you why having a safety net is a game-changer.
Grab your favorite drink, get comfy, and let's break down these conversations into simple, doable steps.
Check out Axos ONE's savings and checking bundle: http://axosbank.com/allison
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
How can parents teach their teens millionaire habits that lead to lifelong financial success? In this episode, I sit down with Maya Corbic, founder of the Wealthy Kids Investment Club.
Together, we discuss practical ways parents can help their teens build habits of saving, budgeting, and investing that set them up for financial independence.
You’ll walk away with actionable tips to teach your teen about managing money, investing wisely, and practicing delayed gratification.
If you’re a parent ready to raise financially independent kids, this episode is for you!
Connect with Maya:
Instagram: @teach.kids.money
Wealthy Kids Investment Club: https://www.wealthykids.club/
Book: From Piggy Banks to Stocks
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
I'm not going to lie to you - I'm a little bit nervous about releasing this episode.
Partly because I'm talking about something that I have experience in, but not professional training in. And also, because I'm going to be very vulnerable and open here. I'm going to be sharing something about myself that not a lot of people know about. And usually, when they do find out about it, they're pretty shocked. And that is: I struggle with anxiety and depression.
I need to add this disclaimer: I am not a therapist. I am not a psychiatrist. My experiences with the subject that I'm speaking on today stem from my own personal experiences.
If you've ever battled with anxiety or depression, you understand that our money doesn't care about our mental status. Life still goes on. Bills still need to be paid. This is why it's so important to create systems and safeguards for our money so that when our mental state isn't the best, our money can still do what it needs to do.
In this episode, I'm sharing the 5 things you can set in motion TODAY to ensure you thrive financially in the midst of anxiety, depression, and/or financial stress!
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Sleep expert Terry Cralle, MS, RN, joins the Inspired Budget Podcast to share how sleep impacts every part of our lives—from decision-making to financial health. Discover why sleep deprivation can lead to impulsive spending, poor judgment, and chronic stress, and learn actionable tips for improving your sleep habits.
What You’ll Learn:
- How lack of sleep affects finances and decision-making
- Practical tips for better sleep hygiene
- Why sleep is the ultimate self-care
Connect with Terry at Better Sleep Council and discover how prioritizing sleep can improve your life!
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Join us for this special Q&A episode of the Inspired Budget Podcast! Today, Allison answers your questions about everything from managing a tax refund to setting up your bank accounts and budgeting after losing your job.
Questions We Answer:
- How should I use my tax refund? Should I save it, pay off debt, or spend it?
- What kinds of bank accounts should I have, and how should I split my money between them?
- What’s the best way to budget if I've been laid off?
If you're looking for straightforward, useful advice on these topics, you're in the right place!
Links Mentioned:
- The high yield savings account that I love.
- Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I’m sharing how our family of four saves money across different areas of our daily lives. If you’ve ever felt overwhelmed by your bills or unsure how to make your money go further, this episode is packed with real, doable tips and examples from our own life.
I’ll walk you through six effective ways we reduce costs—from managing household bills like car insurance and cell plans, to smart shopping for groceries, and even cutting costs on utilities and subscriptions. These aren’t just tips; these are real strategies that my family uses every month to maintain financial freedom without sacrificing the things we enjoy.
If you're looking to save more money without cutting back on fun, then this episode is for you!
Links Mentioned:
Save money on your cell phone with Visible
Scan your grocery receipts with Fetch Rewards
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
I’m thrilled to share this candid conversation with my good friend, Chris Browning of Popcorn Finance, as we dive into our goals for 2025.
Together, we explore a range of personal and financial aspirations, from innovative family finance strategies—like my plan to hire my son and kickstart his savings with a Roth IRA—to our fitness journeys, focusing on strength training and significant weight loss goals.
Join us for a motivational session that is perfect for anyone eager to set their own goals and pursue meaningful change in the upcoming year.
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Kick off 2025 with Allison Baggerly on the Inspired Budget Podcast as she guides you through breaking free from living paycheck to paycheck. This episode isn’t just about scraping by; it’s about creating a financially stable future.
Whether you’re struggling at the end of each month or just looking to improve your financial situation, this episode has actionable advice for everyone.
What You'll Learn:
- Practical steps to stop living paycheck to paycheck.
- How to set up safeguards to protect against financial surprises.
- Strategies to increase income and reduce major expenses.
- Tips for staying motivated and persistent in your financial journey.
Plus, don't miss out on Allison's free live class, Budgeting for Peace of Mind, How to Take Control of Your Money in 2025. Save your spot here.
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ready to set yourself up for financial success in 2025? In this episode, Allison shares her best tips for getting your money right as we head into the new year. You'll learn how to:
- Look back at your money moves from 2024 to see what's working and what's not.
- Set up a budget that fits your life and goals for 2025.
- Clear out any debt from holiday spending quickly.
- Build or top up your emergency fund for peace of mind.
- Set clear and doable money goals for the year.
This chat is perfect if you're feeling swamped by your finances after the holidays or just want a fresh start financially in the new year.
Plus, don't miss out on Allison's free live class, Budgeting for Peace of Mind, How to Take Control of Your Money in 2025. Save your spot here.
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, Allison Baggerly sits down with Jen Smith and Jill Sirianni to chat about their new book, Buy What You Love Without Going Broke, and what frugal living really means. Spoiler: it’s not about feeling deprived! They break down how being frugal can actually be fun and fulfilling, sharing how financial limits can spark creativity.
If you want to learn how to enjoy life while staying on top of your finances, then this episode is for you!
Get the book: Buy What You Love Without Going Broke
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Are you stuck in the cycle of credit card debt? This episode is all about tackling one of the most overwhelming financial challenges: credit card debt and how to escape it despite high-interest rates.
You’ll walk away with practical strategies, including steps to pay off debt faster, ways to lower your interest rates, and tips to avoid falling back into the debt trap.
If you’re ready to break free from debt and reclaim your financial freedom, this episode is for you!
Check out the Budget My Paycheck Spreadsheet.
Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I’m joined by TikTok star Adrian Brambila and wealth psychologist Dr. Brad Klontz, co-authors of Start Thinking Rich. We discuss how to shift from spending like a millionaire to building real wealth. Adrian shares his journey from van life to earning $1.7 million, while Dr. Brad explains how your money mindset can impact your financial success.
What You'll Learn:
- The difference between spending money and building wealth
- How to shift from a "poor" mindset to a "rich" mindset
- Practical tips for investing and growing your wealth
- How to teach your kids positive money habits
You’ll walk away with actionable steps to change your relationship with money, start investing, and teach your kids smart financial habits—no matter where you are on your financial journey.
Resources Mentioned:
- Start Thinking Rich by Adrian Brambila & Dr. Brad Klontz: StartThinkingRich.com/Allison
- Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this brief episode, Allison offers a heartfelt message of encouragement to stay the course on your financial journey. Happy Thanksgiving!
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Need some extra cash for the holiday season? You're definitely not alone!
Last year, the average American spent around $900 on Christmas. In today’s episode, I’m chatting with Nick Loper from The Side Hustle Show, and together we’ll share 30 ways to bring in extra money for the holidays.
Get the full list here.
Listen to The Side Hustle Show with Nick Loper
Don’t forget to download my Budget My Paycheck Spreadsheet to make budgeting easier, and follow Inspired Budget on social media for more tips on how to manage your money!
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I sit down with forensic accountant Tracy Coenen, who has spent over 25 years uncovering financial fraud in corporate cases and high-net-worth divorces. Tracy shares why it’s so important for women to be informed about their family’s finances, even if they think divorce is never on the horizon. We discuss practical steps you can take to protect yourself financially, common mistakes women make in marriage, and how to spot red flags if your partner is hiding money.
What You'll Learn in This Episode:
- Why women need to protect themselves financially, even in a happy marriage
- How to track down hidden money and spot financial red flags
- The key financial information every woman should know about her family’s finances
- How to start building financial independence, even within a marriage
Resources Mentioned:
- Planning for Divorce - Free Guide
- Divorce Money Guide
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I’m taking you behind the scenes of how I budget for our family of four. If you've ever felt overwhelmed trying to keep up with bills, savings, and day-to-day expenses, this episode will help simplify the process for you.
I’ll walk you through my exact budgeting method, from creating a bill payment calendar to tracking spending in real time using my favorite tool—my Budget My Paycheck Spreadsheet. Whether you’re new to budgeting or looking to streamline your current system, these steps will help you get more organized and reduce financial stress.
Don’t forget to download my Budget My Paycheck Spreadsheet to make budgeting easier, and follow me on social media for more tips on how to manage your money!
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, Kara Perez, founder of Bravely Go and author of Green Money, joins me to talk about how we can align our financial decisions with sustainability. Kara breaks down simple steps you can take to make greener choices with your money, from switching banks to supporting local businesses.
She also shares why it's important to focus on systems rather than just individual actions when it comes to making a real impact. If you're curious about how you can be more eco-conscious with your finances, this episode is for you!
Kara also gives us a sneak peek into her new book, Green Money, and offers practical ways to start making small but impactful changes in how we handle our money.
- Check out Kara’s Book: Green Money
- Find out more about Kara Here: Bravely Go
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, we’re diving deep into the world of MLMs (multi-level marketing companies) and why so many of them, like Bodi (formerly Beachbody) and BeautyCounter, are switching to affiliate marketing models. What’s the difference between these models, and how does it impact the people who’ve built their income around MLMs?
We’ll cover:
- What MLMs really are and why they target women
- Why some MLMs feel eerily similar to pyramid schemes
- The big shift to affiliate marketing and how it’s leaving many coaches blindsided
Plus, I share my thoughts on feeling torn: I empathize with people losing income, but I’m also relieved that some shady practices are coming to an end. Tune in to hear the full story!
Article: Breaking My Silence on Beachbody
Check out the Budget My Paycheck Spreadsheet
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, Allison Baggerly chats with Germaine Foley about her remarkable journey to paying off $200,000 of debt while still enjoying life. Germaine shares the turning point that led her and her family to take control of their finances and how they achieved financial freedom without sacrificing the things they love.
What You’ll Learn:
- The Turning Point: Discover the moment that motivated Germaine to take action on her family’s debt and why daycare costs were the final straw.
- The “Do Both” Method: Learn how Germaine developed her unique approach to managing money, which allowed her to pay off debt while still taking vacations and enjoying life’s pleasures.
- Practical Tips: Get actionable advice on how to balance paying off debt with living a fulfilling life, including setting financial goals and identifying what truly matters to you.
If you want to turn your financial life around without giving up what makes you happy, then this episode is for you.
Links Mentioned:
Sign Up For Germaine’s Wealth Class
Listen to The Wealthy Woman’s Podcast
Check our her Instagram @germainefoleycoaching
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Thinking about buying a home? Already own one? In today’s episode, I’m breaking down the hidden costs of homeownership that most people don’t plan for. From unexpected maintenance costs (hello, $2,000 plumbing bill!) to rising insurance premiums and HOA fees, I’m sharing real-life stories and tips to help you prepare for the true cost of owning a home.
What You’ll Learn:
- The surprising costs that hit homeowners (like repairs and rising property taxes)
- How home insurance in some areas is becoming more expensive and limited
- The golden rule for making sure your mortgage (and all its hidden costs) don’t break your budget
Don’t miss this episode—it could save you a ton of money and stress down the road!
Check out the Budget My Paycheck Spreadsheet
You Might Like:
- Get the FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Get the Budget My Paycheck Spreadsheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
If you're on a debt-free journey, staying motivated is key—and one of the best ways to do that is by hearing from others who are right there with you!
In this episode, Jo Harris opens up about how she and her husband knocked out $51,000 in debt. She shares some great tips on boosting your income through side hustles, finding a budget that works for you, and getting on the same page with your partner when it comes to money.
If you're looking for inspiration and practical advice to keep going, then this episode is for you!
Links Mentioned:
- The Virtual Mama Website
- Side Hustle Launch Plan
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I’m tackling the financial pressure we’re all feeling as the cost of living keeps rising. From insurance premiums to everyday expenses, it can feel like we’re drowning. But you’re not alone—and you’re not powerless.
Join me as I share practical steps to help you take back control of your finances. I’ll show you how to reassess your budget, prioritize the essentials, shop around for better deals, and build an emergency fund—no matter how small. Plus, I’ll offer encouragement for anyone feeling overwhelmed, because better days are ahead.
What You'll Learn in This Episode:
- How to adjust your budget to reflect rising costs
- Tips for cutting back and prioritizing the essentials
- How to shop around for lower insurance rates
- Starting an emergency fund, even if you feel stretched thin
- Encouragement for managing financial stress
Check out Allison's New Budget My Paycheck Spreadsheet
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Zoe Pritchard, a YouTuber and personal finance content creator, shares her journey of paying off $35,000 of student debt and improving her relationship with money. Growing up, money was a tense topic in her family which had a direct impact on her own financial wellness.
In this episode you’ll learn:
- What happened when Zoe started openly discussing her financial struggles on YouTube.
- How she paid off $35,000 of student loan debt.
- What she has done to alleviate her financial anxiety.
If you have debt, or struggle with stress around money then this episode is for you!
Check out Zoe's Youtube Channel
Catch up with Zoe on Instagram @zoexpritchard
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I’m diving into the TikTok trend of underconsumption and sharing my thoughts on why it’s actually just normal spending. We’ve been so influenced by social media to keep buying and upgrading that sticking to what we already have seems like a radical idea.
Let’s talk about what underconsumption really is, why it’s trending, and how it can change the way you think about money.
What you'll learn:
- What underconsumption is and why it’s gaining popularity.
- How social media pressures us to overspend and why that’s not sustainable.
- The financial benefits of being more intentional with your spending.
- How to balance spending on what you need and what brings you joy.
This episode is perfect for anyone who’s feeling overwhelmed by the constant pressure to buy more and wants to be more mindful with their money.
Links Mentioned: Budget My Paycheck Spreadsheet
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode of the Inspired Budget Podcast, Allison Baggerly talks with Whitney Hansen about her exciting journey into owning unique short-term rentals in Idaho. Whitney shares how she built her properties from the ground up and the money strategies that helped her make it happen.
What You'll Learn:
- Whitney’s Rental Adventure: Find out how Whitney turned her dream into reality by creating a one-of-a-kind geodome in the Idaho mountains and why she chose to make it unique.
- Financing the Dream: Learn about the creative ways Whitney managed to fund her projects, using strategies like home equity lines of credit (HELOCs) and careful budgeting.
- Advice for Future Hosts: Whitney shares practical tips for overcoming challenges like finding reliable caretakers and embracing the quirks that make her properties special.
Join us for this inspiring chat as Whitney Hansen shares her story of blending creativity with real estate and gives tips for anyone looking to follow in her footsteps.
Connect with Whitney Hansen: @whitney_hansen_co
Check out the Cascade Dome
Check out the Flower Pot
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever felt like your budget just isn't working, no matter how hard you try? You're not alone! In today’s episode, I'm diving into five common budgeting mistakes that are easy to make—and I've definitely made a few myself!
We'll explore why these mistakes can throw a wrench in your financial plans and how recognizing them can save you from a lot of headaches.
What You'll Discover:
- The hidden traps in budgeting that can derail your financial goals.
- Practical strategies to sidestep these pitfalls and keep your budget on track.
- Personal stories from my own experiences, sharing what worked and what didn’t.
Listen in for actionable tips and a step-by-step guide to tweaking your budget like a pro. Perfect for anyone looking to make their money stretch further without the stress.
Loved the insights from this episode? Drop us a review on your favorite podcast platform. Your feedback helps us grow and reach more people just like you!
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this inspiring episode, Allison sits down with Deacon Hayes to discuss his journey to becoming debt-free. Deacon shares how he and his wife paid off $52,000 in debt in just 18 months and the strategies they used to achieve financial freedom.
What You'll Learn:
- Debt-Free Story: Hear about the moment when Deacon and his wife realized they needed to get serious about paying off their $52,000 in loans and credit card debt, and how they made it happen.
- Smart Strategies for Paying Off Debt: Find out how Deacon made tough choices, like selling his car that was worth less than he owed, to speed up their journey to becoming debt-free.
- Tips for Staying Motivated: Deacon shares his best advice for keeping your spirits up while paying off debt and why having a strong reason for doing it is so important.
Join us for this inspiring conversation as Deacon Hayes shares useful tips and real-life advice for anyone wanting to get out of debt and take control of their money.
Connect with Deacon Hayes:
- Website: Well Kept Wallet
- Instagram:@wellkeptwallet
- $1,000 Savings Challenge: Find details on the Well Kept Wallet homepage.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Feeling like you need a reset with your money? In this short episode, Allison Baggerly shares how to lean into what she calls the "Second New Year" to get back on track with your finances and achieve your financial goals.
What You'll Learn:
- Why the Second New Year is the Perfect Time for a Fresh Start: Discover why this time of year is ideal for hitting the reset button and refocusing on what matters most.
- Overcoming Summer Spending: Explore how the transition from summer to fall is an opportunity to reassess your spending habits and make necessary adjustments.
- 3 Steps to Reset Your Finances: Allison shares practical tips to help you regain control of your money and set yourself up for success as the year draws to a close.
Tune in to learn how you can finish the year strong with renewed energy and focus. Whether it's budgeting, goal-setting, or improving your money management skills, this episode is packed with actionable insights to guide you on your financial journey.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Tired of following what society says you should do? In this episode, I talk with Cait Flanders, author of Adventures in Opting Out about the challenges and rewards of opting out of societal norms. In this episode Cait shares examples of how she, and others, have opted out of different aspects of their lives, such as sobriety and unconventional career paths.
You Will Learn:
- Why opting out of societal norms can be challenging, but rewarding.
- How to deal with opposition from others, especially those close to you.
- The importance of listening to your own voice and trusting yourself when it comes to opting out.
Get Cait’s book.
Check out Cait’s Substack.
Follow Cait on Instagram.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, Allison takes a personal and practical approach to financial preparedness for natural disasters. After going through Hurricane Beryl herself, Allison shares helpful tips and lessons on how to handle your money during these unexpected events without going into debt or making rash spending choices.
You Will Learn:
- Essential supplies you’ll want to have on hand.
- Budget friendly strategies to gradually acquire disaster supplies without breaking the bank.
- Practical tips on evaluating whether big-ticket items like generators are worth the investment, and borrowing supplies when possible.
If you want to feel prepared for unexpected natural disasters or have ever wondered how to manage your money during such crises, then this episode is for you!
Read the article: Impulse Spending During Hurricane Beryl
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Adam Carroll is the creator of the documentary 'Broke, Busted, & Disgusted,’ which aired on CNBC and continues to be screened in high schools and colleges nationwide. In this episode we discuss the importance of making informed decisions about college.
You’ll also learn:
- Why there is a disconnect between parents and students regarding who is responsible for paying for college
- How to have open and honest conversations with children about the cost of college
- Ways parents can help their children become financially independent from a young age
- Alternatives options to traditional college - and why you should consider them
Check out all of Adam’s resources here.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Are you constantly wondering why your savings account isn’t growing? In this episode, Allison dives into the sneaky financial habits that might be sabotaging your efforts to save more money.
You'll learn about the common pitfalls that can drain your wallet without you even realizing it.
You Will Learn:
- What These 5 Sabotaging Habits Are: Discover the habits that are keeping you from reaching your savings goals.
- The Impact on Your Financial Health: Understand how these habits chip away at your finances and what you can do to counteract them.
- Practical Strategies to Overcome These Habits: Get actionable tips and strategies to change these habits and boost your savings effectively.
Plus, you’ll walk away with an action plan for each habit, so you can start protecting your savings right away.
If you’re ready to stop the leak in your financial bucket and start saving towards a brighter future, this episode is for you!
Article: How To Do A No Spend Challenge
Check out Simplifi and Quicken!
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Millennials and Gen Z face a unique challenge when it comes to building wealth. In this episode, Anne Lester, author of Your Best Financial Life, and former head of Retirement Solutions for JPMorgan, provides insights and advice for anyone under the age of 45.
You will learn:
- A simple framework to manage your money
- How to start saving in tax-advantaged accounts
- How to balance immediate financial needs with saving for retirement
- How to start investing, even if you’re a beginner
Get Anne’s new book, Your Best Financial Life.Check out Anne's Website
Connect with Anne on Instagram @savesmartwanne
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Do you ever feel like no matter how much you save, you’re still not financially secure? Or perhaps you often feel richer than your bank account actually shows?
In this episode, Allison dives deep into a lesser-known but increasingly relevant topic: money dysmorphia.
This financial perception disorder can make you view your financial health in a distorted way, leading to stress, poor financial choices, and a constant feeling of insecurity or false security.
You Will Learn:
- What Money Dysmorphia Is: We’ll break down this concept using simple examples and everyday language.
- Why It Matters: Find out why it’s important to recognize and deal with money dysmorphia for your financial health.
- How to Overcome It: Get a step-by-step guide on spotting the signs of money dysmorphia and learn practical tips to see your finances more clearly.
Plus, you’ll walk away with an action plan for each step of the process, ensuring you can start making positive changes immediately.
If you’re ready to see your financial situation clearly and make empowered financial decisions, this episode is a must-listen!
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Dreaming of your next vacation but feeling overwhelmed with the entire process? Bianca Alba from This Latina Travels has traveled to 6 of the 7 continents in the world and her goal is to encourage and support women who look like her to travel the world too!
You Will Learn:
- How she traveled to Cape Town, South Africa and El Salvador for free.
- Why a travel fund can help make your dream of traveling a reality.
- How to travel the world with a 9-5.
- Tips and hacks for finding travel deals!
Listen to Bianca's Podcast
Check out Bianca's Website
Connect with Bianca's instagram @thislatinatravels
For Travel Consultation look into Wanderlust
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Do you ever wonder where all your money goes each month? It could be due to a few habits you might not even realize are keeping you broke. In my latest podcast episode, I'm diving deep into the 4 money habits that could be sabotaging your financial success.
Here's what you'll learn:
- What these 4 habits are and why they matter
- The impact they have on your financial health
- Practical strategies to break free from these habits
Plus, you’ll walk away with an action plan for each habit so that you can keep more of your money each month.
If you’re ready to take control of your finances and make meaningful changes, then this episode is for you.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
How do you know if you have a shopping problem? Paige Pritchard is a certified life coach and host of ‘The Money Love Podcast’ where she is on a mission to help others manage their spending better.
In this episode, we discuss how to know if shopping has become a problem in your life.
You’ll also learn:
- How to deal with emotional spending.
- A simple strategy for combating impulse shopping.
- Why shopping feels good - and how to not give into overspending.
Connect with Paige on her website
Check out her Instagram @overcoming_overspending
Check out her TikTok @overcoming_overspending
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Do your financial goals go off track in the summer? You might start the season determined to stick to your budget, but then slowly find yourself spending more and more on various things. By the end of summer, you're left feeling guilty about how you've managed your money over the past few months.
If so, then you have experienced what I like to call ‘The Summer Splurge.’
This episode is a sneak peek of a lesson that I taught inside my membership, The Inspired Budget Inner Circle.
You will learn:
- 4 steps to avoid the summer splurge and stay on track with your money goals.
- Bonus tips to help you free up more money to spend on summer fun.
- How to stop comparing your summer to others.
Interested in learning more about the Inspired Budget Inner Circle? Start by taking my Free Budget Class to claim 40% off the Inner Circle!
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Gina Zakaria and her husband became debt free using practical, real-life solutions that didn’t sacrifice her family’s lifestyle. During the process she became known as the Saving Whiz. With over 3 million social media followers, Gina is teaching others how simple strategies in personal finance can enhance your lifestyle while saving money.
You Will Learn:
- How to change your grocery shopping habits and find the best deals.
- How to find a balance between cooking and budgeting.
- Why prioritizing what you value is crucial.
If you want to find ways to save extra money every day, you’re going to love this episode!
Check out Gina's New Book Simple Secrets to Becoming a Saving WhizFollow Gina on Instagram
Follow Gina on TikTok
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever felt like you make decent money but somehow have nothing left to show for it at the end of the month? If so, you might have fallen victim to lifestyle creep.
In this episode you will learn:
- What lifestyle creep is, and how to identify it in your life
- 3 red flags of lifestyle creep
- Strategies you can implement today to combat lifestyle creep.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
A few months ago, I stumbled upon what seemed like a lucrative opportunity on TikTok: women claiming to make over $60,000 a month by working only 10 hours a week. Intrigued, I did some digging and what I found was startling.
Joining us is Chloe Daniels, and together, we’ll explore the ins and outs of affiliate marketing, dissecting the claims made by social media influencers and the realities behind them.
You Will Learn:
- Spotting Red Flags: Key indicators that an affiliate marketing opportunity might be a scam.
- Behind the Scenes: Insight into a major company often endorsed by these influencers.
- Scam vs. Legit: Tips on distinguishing legitimate opportunities from scams.
NBC Interview and Article
Connect With Chloe
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Have any of your beliefs or thoughts about money changed over time? Maybe you used to think that only people who struggle with money should write a budget, but now you realize that budgeting isn’t reserved for those living paycheck to paycheck.
I’ve found that as you grow and work on your finances, your ideas and thoughts will likely change over time. In this deeply personal episode, I’m sharing 3 ways my beliefs about money have changed over the last decade.
My hope is that this podcast episode will help you reflect on your own views of money, give yourself credit for what you’ve accomplished, and remind you that it’s okay to pivot in the process.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Haley and Justin inherited $600,000 but ended up blowing through the money and accumulating $220,000 of debt. They share their journey of lifestyle inflation, realizing the extent of their debt, and taking steps to address it.
You Will Learn:
- Why inheriting a large sum of money at a young age can be overwhelming and lead to lifestyle inflation.
- How to have open communication about money with family members.
- Why creating a budget and tracking expenses is crucial to gaining control over spending habits.
Check out Haley and Justin's Podcast Price of Avocado Toast
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
My birthday is next week so I thought it would be fun to give you a little personal and life update! This episode will give you a behind the scenes look at my money, family, and business life.
In this episode you’ll learn about:
- How budgeting has changed for our family over time
- What we are currently splurging on
- What trips we have planned next
- The routines that help me balance work and life
- What I’m working on for Inspired Budget
Would you mind celebrating my birthday by writing a review for the Inspired Budget Podcast? It would mean the world to me!
Check out my embroidery picture!
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Rob Phelan, a high school financial educator, is on a mission to change how kids, specifically teenagers, learn about money.
In this episode you’ll learn:
- How to have conversations about money with teenagers
- How to create opportunities for teens to practice managing money
- Financial challenges faced by young adults - and how to prepare teens to face these challenges
- Practical strategies you can do at home to teach your kids/teens about money
Check out Doug Nordman and Carol Pittner's Book Raising Your Money Savvy Family
Check out Dan Sheek's Book First to a Million
Check out Clifton Corbin's Book Your Kids Their Money
Check out Rob Phelan's Children's Book M is for Money
Check out Rob Phelan's Workbook The Simple Startup
Connect with Rob on Instagram @fieducator
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Let's talk about stress. You know, that constant companion we all have hanging around, lurking in the corners of our minds?
Well, according to a new Fidelity study, when it comes to managing money, stress is the word on everyone's minds, especially for women. In fact, an alarming 93% of women feel the weight of financial stress pressing down on their shoulders. And let's be real, that's a lot of stress. Like, "where did I leave my keys?" levels of stress, but on a whole other level.
But don't worry, because where there's stress, there's always a solution.
In this episode, Allison shares 3 proven strategies to help listeners regain control and say goodbye to financial stress. If you have even the smallest stress or worry when it comes to your money, this episode is for you!
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, Zina Kumok shares her journey of paying off $24,000 in student loans in just three years. She emphasizes the importance of budgeting and tracking expenses, as well as the power of making small extra payments.
Zina also discusses the balance between frugality and happiness, and the need to find peace with past money choices. She highlights the shift in personal finance advice for Gen Z and the importance of considering the emotional aspect of money.
Takeaways
- Budgeting and tracking expenses are crucial for managing debt and achieving financial goals.
- Making small extra payments can have a significant impact on debt payoff.
- Finding a balance between frugality and happiness is important for overall well-being.
- It's essential to find peace with past money choices and focus on personal growth.
- Personal finance advice is shifting to consider the emotional aspect of money and the individual's unique circumstances.
- Finding deeper reasons for financial goals and aligning them with everyday life can provide motivation and fulfillment.
Wall Street Journal Article on Gen Z and Dave Ramsey
Check out Zina's Website
Follow Zina on Instagram
Follow Zina on Youtube
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever dreamt of lounging on sandy beaches or exploring vibrant cities but felt overwhelmed by the costs? Imagine returning from your dream vacation only to face a mountain of credit card bills. That's not the vacation ending anyone wants.
By mastering the art of saving and budgeting, you not only ensure you can afford your dream getaway but also shield yourself from post-vacation financial stress. In this episode, we're diving into the art of making your dream vacation not just a fantasy but an affordable reality.
You will walk away with practical strategies and tips to help you stay on budget while planning your next adventure. From booking accommodations to planning your meals, Allison is covering it all! Plus she’s sharing how she’s used these strategies in her own life.
Tune in to our episode for more valuable insights and tips on how to plan, save, and budget for your dream vacation. Happy travels!
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, Allison interviews Alli Williams about how she and her partner handled their financial situation when one had more debt and the other was debt-free. Alli shares her personal story of marrying into six figures of debt and how they worked together to create a plan to pay it off.
They discuss the emotional side of dealing with debt and the importance of not letting it define your worth. Alli also provides tips for getting a reluctant partner on board with paying off debt and setting financial goals as a couple.
Follow Alli on Instagram: @financiallifocused
Check out Alli’s Website
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, Allison shares four essential steps to help you regain financial focus and get back on track with your budget, paying off debt, or savings. She emphasizes the importance of giving yourself spending money to avoid feelings of deprivation and impulse spending. Breaking big goals into smaller, more manageable goals helps to prevent overwhelm and frustration. Tracking and monitoring your progress keeps you motivated and engaged in your financial journey. Finally, completing a money reset allows you to realign your priorities and adjust your strategy for success.
Takeaways
- Give yourself spending money to avoid feelings of deprivation and impulse spending.
- Break big goals into smaller, more manageable goals to prevent overwhelm and frustration.
- Track and monitor your progress to stay motivated and engaged in your financial journey.
- Complete a money reset to realign your priorities and adjust your strategy for success.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, Diania Merriam shares her personal journey from financial illiteracy and debt to achieving financial independence and retiring at 33. She emphasizes the importance of shifting from a scarcity mindset to an abundance mindset when it comes to money.
Diania provides action steps for listeners, including surrounding themselves with abundant people, reading abundance-based books, and expressing appreciation and gratitude. By adopting these practices, you can develop a healthier relationship with money and find contentment in your financial journey.
Takeaways:
- Shift from a scarcity mindset to an abundance mindset when it comes to money.
- Surround yourself with abundant people who have a positive outlook on money.
- Read abundance-based books to change your perspective and mindset.
- Express appreciation and gratitude daily to cultivate a sense of abundance and contentment.
Listen to Diania's Podcast
Check out the EconoMe Conference
Watch the EconoMe YouTube Channel
Here are some of the books that Diania mentioned:
The Obstacle is the Way by Ryan Holiday
Do Nothing by Celeste Headlee
The Pathless Path by Paul Millerd
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Should you save money or pay off debt? Can you do both?
You’re likely listening to this episode because you want to pay off debt. Imagine you're in the middle of a tug of war, but instead of teams, you've got your savings goals on one side and your debt on the other. You're pulling hard towards one side, trying to make progress, but it feels like the other side is pushing back just as hard.
It's like you're stuck in this never-ending struggle, and it can get pretty frustrating. The trick is to figure out how to manage your money just right so you're not constantly feeling pulled in two directions at once. Balancing the two is key to keeping your sanity and making progress on both your debt free journey as well as your savings journey.
In this episode, I discuss:
- Five actionable steps to pay off debt and save money simultaneously.
- Why your emergency fund can keep you out of debt.
- How to invest for the future while paying off debt.
This episode is perfect for anyone who has asked themselves if they should save money or pay off debt.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
When $200,000 looms over you like a financial Everest, how do you begin the climb to freedom? Nika Booth didn't just start the trek; she conquered it, and in this episode, she's laying out the map.
We unravel Nika's enthralling journey, which started amid the chaos of a government furlough and led to the creation of an Instagram page for budgeting transparency and accountability. Her story is not just about escaping debt; it's a testament to the power of taking control, with candid insights into how confronting her own sizable tax debt changed her approach to personal finance forever.
This conversation goes beyond dollars and cents, delving into the emotional heart of debt reduction—community and vulnerability. We discuss how the solidarity and accountability of an online community were instrumental in navigating the rough waters of financial instability.
Budgeting doesn't have to mean skimping on joy; it's about intelligently mapping your future. Nika and I dissect the overwhelming prospect of large debt into manageable pieces, emphasizing the importance of pacing and celebrating every step of progress.
Follow Nika on Instagram @debtfreegonnabe
Sign Up for Nika's Webinar
Follow Nika's Website
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
In this episode, I'll share my personal experience and unveil seven practical strategies to simplify your money management.
Discover the convenience of automating your payments and the power of cutting unnecessary expenses. I'll walk you through each step, making financial management less intimidating and more manageable.
We'll also demystify the process of building wealth on a budget, showing you that it's achievable with the right approach.
Whether you're new to budgeting or seeking to refine your strategy, this episode is packed with actionable insights to help you align your budget with your goals.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Monica Louie's financial saga is nothing short of awe-inspiring—as she herself lays bare in our latest conversation, revealing the grit behind conquering a $120,000 debt mountain and the savvy that led to a $40,000 savings cushion. Join us and uncover the financial wizardry that allowed Monica and her family to transform their middle-class income into a debt-slaying powerhouse, all while navigating the shift to a single paycheck household.
This episode is a journey through the trenches of debt and the triumphs of financial freedom, where monetary milestones intertwine with personal growth and family ties are fortified in the forge of fiscal responsibility. Hear how Monica's role as a finance maestro evolved into a beacon of hope for others, with her blog and coaching paving the way for countless others to break their own chains of debt.
Whether you're struggling under the weight of financial burdens or seeking a new perspective on managing your cash flow, Monica's narrative, peppered with tales of becoming an online entrepreneur and the joy of smart home investments, will leave you equipped with the tools and inspiration to rewrite your own financial story.
Find out more about Monica at Flourishing Impact
Follow Monica on Instagram @flourishwithmonica
Hear more from Monica on her podcast Flourish to 7 Figures
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Imagine transforming your financial life from confusion to clarity – that's the journey we're embarking on today. We'll explore the power of budgeting, not as a way to restrict yourself, but as a tool to take charge of your money.
In this episode we dive into the importance of proactive budgeting for upcoming expenses and looking back at past spending habits, something that has greatly influenced my personal financial journey.
We'll also uncover the fantastic features of the Simplifi budgeting app, showing how it can revolutionize how you manage your money while making things easier and more collaborative.
This episode isn't just about budgeting mechanics; it's about the discipline and financial awareness that come from tracking your expenses. With Simplifi's user-friendly interface, categorizing transactions is a breeze, helping you build better spending habits.
As I share my own journey towards financial discipline, you'll see how the app's reporting features let you analyze your spending patterns, preparing you to meet future financial goals with precision.
Whether you're navigating finances on your own or with a partner, the insights and tools we discuss today are here to give you the confidence to take control of your finances and lead a stress-free financial life.
Check out the Simplifi App
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Unlock the world of nearly free travel and learn how disciplined budgeting can actually boost your credit score! The fantastic trio from Travel Hacking Mom, including Alex, Pam, and Jess, join us to reveal how they've turned credit card points and miles into a passport for global adventure.
Their stories are as inspiring as they are practical, from Alex's serendipitous discovery to Pam's evolution from coupon queen to travel hacking royalty, and Jess's quest for affordable family vacations. They not only share their escapades but also the strengthened bonds and cherished memories made along the way.
We dissect the fundamentals of starting your own travel hacking voyage with sage advice on the significance of a solid credit score and the benefits of focusing on one points currency to start. We wrap up with strategic tips on maximizing credit card rewards and a sneak peek into the infectious excitement of planning the next thrifty yet luxurious getaway.
Whether you're new to the game or looking to refine your travel hacking skills, this episode guarantees a treasure trove of insights to fuel your wanderlust without draining your wallet.
Explore the Travel Hacking Mom Blog
Listen to the Travel Hacking Mom Podcast
Follow Travel Hacking Mom on Instagram
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Feel the weight of financial stress lifting off your shoulders as I, Allison, guide you through my personal financial renaissance. It's a journey from sleepless nights peppered with anxiety to a serene state of mind, all thanks to the art of saving. I unravel the rich tapestry of strategies that have seamlessly integrated savings into my life, even as I navigated the murky waters of debt.
Discover the magic of sinking funds, my ace in the hole for dealing with those unexpected, yet inevitable, expenses. We'll share stories and tips on how you can begin to weave this powerful financial tool into your own life, transforming potential disasters into mere inconveniences with the help of a well-planned budget.
Our conversation goes beyond the basics, delving into the trinity of savings. Once you've got your emergency fund buttoned up, it's time to play offense with your finances.
We'll discuss how to strike a balance between stashing cash for predictable costs with sinking funds, saving for the sunny days with aspirational funds for those life-enhancing experiences, and setting aside a few pennies for the proverbial rainy day. Learn how to enjoy guilt-free spending on the things that matter most to you and make saving second nature with the strategic deployment of automated transfers.
Wrapping up, we underscore the importance of prioritizing savings by making it a habitual action. Whether it's earmarking funds for that festive holiday season, covering annual dues, or planning for a well-deserved getaway, I break down how automating your savings can safeguard your budget from the temptation of impulse buying. We also touch on the allure of high-yield savings accounts and how they can elevate your savings game.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Embarking on a new career path can be a daunting venture, especially for those stepping out of the realm of teaching. In our latest conversation with Daphne Gomez of Teacher Career Coach, we unearth the gains and challenges of shifting careers, and how educators can thrive in uncharted territories.
Daphne doesn't just share her story; she equips teachers with the compass for navigating through the stigma and practicalities of career reinvention. If you've ever felt the pull to explore life beyond the classroom, this episode promises to light your path with actionable advice on resume building and the art of transferring your teaching prowess to the corporate world.
As we break down the process of career change, we address the Tarzan tactic—why it's vital to secure a new professional branch before letting go of the old. Diverse insights pave the way for a journey marked by strategic timing, financial foresight, and the willingness to start anew, possibly even at a lower rung to climb faster later.
Daphne delves into the importance of self-awareness in this transition, driving home the message that understanding your strengths is the foundation for success, whether you're aiming for a role in instructional design, sales, or any other field. Through this episode's rich dialogue, teachers will find the encouragement and tools needed to turn the page and begin a fulfilling chapter in the story of their careers.
Check out Daphne's website here: Teacher Career Coach
Hear her podcast here: Teacher Career Coach Podcast
Follow her on Instagram: @teachercareercoach
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Embarking on a new year, my husband and I have always found solace and direction in carefully charting our family's course with goals that touch every aspect of our lives. As we open the doors to our tradition, we invite you along to explore setting personal benchmarks within the realms of faith, family, fitness, and finances.
We believe that by sharing our process, we might inspire you to craft your own compass for the year, whether you're navigating these waters alone or with your crew. In this episode, we're not just talking theory; we're giving you a candid glimpse into how these goals manifest in our lives.
We weave the thread of physical health through the tapestry of our family life, embracing chores as a means to teach our children the value of contributing to our household. And as we cast our gaze toward the horizon of retirement, we share insights on nurturing investments that promise a future of passive growth.
Remember, your insights fuel our journey, so as you tune in, we're eager to hear your stories and successes, all in the spirit of fostering a thriving and supportive community.
To Check out the Inner Circle: Click Here
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Do you find yourself dodging your bank statements like they're cursed scrolls? Fear not, for our Inspired Budget podcast's finale of the three-part series is your beacon to financial courage! We're tackling the daunting beast of money avoidance, understanding why ignoring your finances can snowball into an avalanche of stress.
Remember, knowledge is power, and you could be starting your own saga of fiscal freedom. Tune in and equip yourself with the tools to face your finances head-on, because on the other side of fear lies financial confidence waiting to be claimed.
To sign up for my free live class: Sign Up Here
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever found yourself haunted by financial decisions from yesteryear? You're not alone, but it's time to break free from the chains of regret and move onwards and upwards. In our latest episode, we unpack the damaging habit of dwelling on past financial missteps and how it stifles your growth. It's a candid discussion filled with 'aha' moments that will leave you ready to embrace a future where your bank balance blossoms and your money mistakes are just a blip in the rearview mirror.
Join us as we equip you with the tools to transform your relationship with money, all while maintaining the lifestyle you cherish. Don't miss the chance to turn the page on financial worry and start authoring your success story with savvy spending, saving, and self-care.
To sign up for my free live class: Sign Up Here
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Have you ever felt like your financial goals are just fantasies? I've been there, setting my sights high only to crash into the reality of unmet expectations. We often find ourselves aiming for the moon with our money, only to end up lost in space.
In this revealing discussion, you'll learn how to anchor your financial aspirations in the realm of the possible and why it's essential for a stress-free and shame-free journey to monetary success.
To sign up for my free live class: Sign Up Here
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever found yourself bickering over budgeting with your partner? Allow relationship coach Karina F Daves to shed some light on this all-too-common issue.
Karina's poignant insights about the significant role of aligning values when it comes to spending, and her personal experience of transitioning from a full-time tech gig to entrepreneurship, promise to offer a fresh perspective on money and relationships. She encourages taking a step back from the nitty-gritty of financial decisions, instead focusing on the clash of values that often fuels money disagreements.
Karina's journey isn't just about balancing a job and a passion project; it's a story of resilience, setting boundaries, and effective communication within a partnership. Working through the challenges of a demanding tech job while building her coaching business, she is finding the right moment to make a leap of faith into full-time entrepreneurship.
Together with Karina, we explore the nuances of managing finances within a relationship, especially when one partner is on the cusp of a career transition. This episode is a call to action for couples to start those crucial money conversations and create a strong financial foundation for their relationship. So tune in, you might just find the key to transforming your perspective on money, relationships, and life transitions.
Find out more about Karina here
Follow her on instagram @karinafdaves
Check out her podcast here
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Facing rising costs with stagnant income? Feel like you're swimming against a financial tide? We are here to help. In the latest episode of Inspire Budget Podcast, we talk candidly about the realities of our economy.
We shed light on how you can make your money work for you by understanding your spending patterns and making informed decisions. We'll share practical strategies to manage your money effectively, from overhauling your budget to being intentional with your spending. It's all about working smarter, not harder, to ensure your financial stability amidst economic uncertainty.
As if that wasn't enough, we also share innovative ways to boost your income and cut back on costs. Wondering how to keep your finances afloat? We'll give you insights on auditing subscriptions, making little changes in utilities, and renegotiating bills. And if you're open to exploring side hustles, we got you covered. From freelance work to online selling, we'll talk about how you can turn your skills into an income stream.
Remember, you're not alone on this money journey, and together, we can navigate the stormy seas of personal finance. Stay tuned for more actionable tips and strategies, as we continue to make the complex world of finance simple.
Check out Quicken
Episode #132: How to Handle Unexpected Expenses
Episode #87: Negotiate Your Way To Wealth with Mandi Woodruff-Santos
Debt Free Roadmap
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- Get the BRAND NEW FREE Goodbye Debt Tracker!
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- Follow Allison on Instagram! @inspiredbudget
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Buckle up for an incredible journey with Erika Cruz, a former tech professional turned successful business owner. Erika's story stands as a testament to courage, resilience and the power of a shifted mindset.
She shares liberating insights on how she overcame her battles with self-doubt, navigated the financial roller coaster of entrepreneurship, and turned her business into a multi-six figure success - all within a year! More than that, she reveals her passion for empowering Latinas to step up with courage and live lives they adore.
We'll also be getting deep into the nitty-gritty of money mindsets, unearthing their pervasive influence on our financial habits and goals. By challenging the narratives we've been led to believe about money, we can create a more positive and empowering dialogue, one that drives us towards financial well-being.
Listen in as we share a personal story of financial turnaround, offering insights on how you could mirror this success. Towards the end, we'll delve further into Erika's journey towards financial freedom, the strategies she used to pay off debt, save money, and manage her finances. This episode is an invitation to take control of your financial narrative and take steps towards a brighter future. You can't afford to miss it!
Find Erika on Instagram: @theerikacruz
Find out more about Erika here: theerikacruz.com
Listen to her podcast here: Ch*ngona Revolution
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Are your financial goals often derailed by a lack of self-control? Ever wondered why your brain fixates on the immediate rush of impulsive buying instead of the long-term satisfaction of financial security?
Don't worry, you're not alone! It's a common struggle, tied to the reasons behind our shopping habits. This episode is all about unpacking this challenge and providing practical steps to improve self-control and regain control over your spending habits.
We'll tackle topics like the danger of justifying one-time exceptions, how these small indulgences become a snowballing financial strain, and how to avoid this pitfall. We'll share personal experiences and success stories, along with proven strategies for setting clear, achievable goals. The focus is on setting boundaries, resisting temptation, and the essential role of a supportive accountability system.
So come join us, let's take control of our financial journey together. Remember to share your key takeaways and goals with us on Instagram at @inspiredbudget and let's overcome our financial struggles together!
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever found yourself wondering where all your earnings are vanishing? Our guest, Walli Miller, a financial coach and spreadsheet enthusiast, shares her personal journey from being an impulsive spender to becoming a mindful, intentional shopper.
Harnessing her personal experiences, Walli unlocks the secrets of overcoming impulsive shopping habits and discusses the 'aha' moment that led her to a path of financial consciousness. This episode is packed with anecdotes and wisdom from Walli's journey to financial freedom, and her story is an inspiration to anyone who's struggling with managing their finances.
In the latter part of our episode, Walli shares an intriguing challenge that changed her perspective on spending - the seven-day no spend challenge. With this enlightening experience, she became more aware of her triggers, leading to more mindful spending habits.
We also dive into the importance of aligning our spending with our personal values, a lesson she gathered from her adventures in couponing. Gear up for an insightful discussion on personal finance, impulsive shopping, and the power of intentional spending.
Visit Walli's Website
Follow her on Instagram
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Unexpected expenses can cause a spiral of stress and uncertainty, but what if you could manage them without losing your peace of mind? This episode is all about understanding the concept of an emergency fund, the key to staying afloat in turbulent financial waters, and how our brains often react counterintuitively when an unexpected expense arises.
We'll be exploring the art of budgeting, the secret weapon against unforeseen expenses. Learn about the significance of having a miscellaneous budget category, a buffer that could prove to be your financial savior and why ensuring the right insurance coverage can save you from sleepless nights. I'll shed light on how to create this 'buffer' in your budget and guide you on the right amount to allocate to prevent debt when life throws curveballs.
Let's change the way we view unexpected expenses by cultivating the right mindset. The philosophy of an emergency fund will be our focus, its role in maintaining our financial balance and how it helps reduce stress in tricky situations.
Throughout the episode, I'll be sharing stories from my personal journey, offering you valuable insights into effective financial management. This episode is a must-listen for anyone striving to gain control over their finances and turn unpredictable expenses into manageable events.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Imagine having a rich auntie who can impart financial wisdom, help you pay off debt, and guide you towards building your wealth. Today, we have the privilege of chatting with Bernadette Joy, a renowned money expert, who is just that—a rich auntie—and she takes us on an incredible journey of her transition from a staggering $300,000 debt to a whopping $1 million net worth, all in her 30s.
We take a peek into her tough journey, her slip-ups, and her money smarts, showing us how to wipe out debt, stash some cash, and invest with confidence.
One of the most enlightening aspects we delve into is Bernadette's bold decision to close her business in 2019, right before the pandemic hit. It's a raw and honest conversation about the real essence of financial freedom and how it goes beyond just the number game—it's a whole emotional odyssey.
We unpack the pressures of continually increasing net worth even at the point of financial freedom and discuss the role money plays in the pursuit of happiness, but without being a surefire recipe for joy.
Transitioning from financial to physical well-being, Bernadette shares insights on how nutrition impacts mental and physical health. Always mindful of her missteps, Bernadette helps us understand how learning from our money mistakes is an essential part of the journey.
Crush Your Money Goals Website
Get Bernadette Joy's Free Money Guide
Follow Bernadette on Instagram: @berndebtjoy
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
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- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Are you already dreading how your bank account will look after the holiday season? Trust me, I feel you. That's why on today's episode of Inspire Budget Podcast, we are going head-on with the biggest challenge of the gift-giving season - impulse spending.
Together, we'll uncover strategies to set a clear budget, craft a thoughtful gift list, and assign practical spending limits. The holiday season doesn't need to be a financial burden, and I'm here to guide you through it!
Let's move a step further into our holiday spending playbook! This episode also brings forward effective strategies to avoid impulse spending, like setting a deadline for your shopping, limiting exposure to sales temptations, and shopping with a clear head.
It's time to enjoy the holiday season without the shadow of debt looming over. So, if you're determined to keep your budget intact while spreading joy this Christmas, this episode is your roadmap to success!
Check out my free Christmas Budget Printables
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever felt like you're working way too hard, but not getting paid nearly enough for your efforts? Our guest for today, Fernanda Carnavan, a Latina money and career educator, has been there.
Fernanda, the creator of the platform Relentless Latina, takes us through her journey of grit and resilience where she went from being underpaid and overworked to valiantly claiming her worth. She talks about her experience with the phenomenon of "quiet promotions" in male-dominated fields and provides practical tips on how to spot and tackle such situations.
Fernanda's narrative goes deeper as she details her experiences with gender inequality in the workplace. The relocation to a new state with no salary hike and the realization of being underpaid led her to advocate for herself fiercely. She shares her insights and advice for others going through the same ordeal, empowering them to not settle for less than they deserve.
We also touch upon Fernanda's passion project, Relentless Latina, a platform she created to empower Latina women in their career and financial journeys.
Fernanda's journey is an empowering testament to the power of self-worth and resilience. Fernanda's story is not just her own, but a tale of strength and determination that could inspire anyone to take control of their career and finances.
Visit Fernanda's Website Relentless Latina https://relentlesslatina.com/
Follow Fernanda on Instagram https://www.instagram.com/relentless.latina/
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever feel like your budget is a monstrous task that just can't fit into your already bursting schedule? I hear you, and today, we're going to tackle this beast together.
I'm gifting you five practical steps to integrate budgeting into your life without feeling overwhelmed. Let's redefine budgeting as an essential part of your routine and set a specific money day each month to manage your finances. Together, we'll figure out how to squeeze budgeting into your hectic schedule and secure a financially stable future.
But we're not stopping there. The second half of today's episode is dedicated to all the multitaskers out there striving to balance their budget amidst a bustling life. Learn how time-blocking your day, seeking support, and celebrating small victories can make budgeting a priority amidst a busy life.
Let's walk this path together, finding ways to make budgeting work amidst the chaos. Remember, it's not about finding spare time; it's about making time for what matters. So, let's get to it!
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Do you ever feel like your personal finances are a mystery you'll never solve? What if you could completely reframe your thinking about debt and wealth building?
In a riveting conversation with the brilliant Rachel Luna, a renowned international speaker, certified master neuroscience coach, and bestselling author, we uncover the transformative power of rethinking our personal finances.
Rachel's journey is one of resilience and grit, overcoming adversity to become the influencer she is today. She generously shares her personal experiences, insights, and strategies, drawing from her empowering book, "Permission to Offend."
This book is a beacon for women, particularly mothers, nudging them towards a life of authenticity and abundance. Rachel's insights are steeped in empathy, and she underscores the importance of daily self-check-ins, a crucial step towards acknowledging our inherent value, independent of our bank account or net worth.
In our exploration of personal finance management, we challenge old habits and mindsets, particularly those influenced by trauma. Rachel's candid discussions about overcoming debt, not once, but twice, are particularly enlightening.
She offers a fresh perspective on how to navigate the feelings of shame, guilt, and blame that often accompany debt. With her valuable insights and actionable advice, you'll learn how to reframe your own narrative about money and debt. So, ready to transform your personal finances and live a life of abundance? Listen in!
- Amazon Affiliate Link for Rachel’s Book:https://amzn.to/3NWLkjc
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ever felt overwhelmed by fear of debt, to the point where it's clouded your perception of yourself? You're not alone. My own dread of debt kept me credit card free throughout my 20s and shaped an unsettling narrative of personal worth tied to financial debt.
In this engaging episode, we'll redefine debt, not as 'good' or 'bad', but as neutral that, when understood and handled strategically, can be a powerful tool irrespective of your age or stage in life.
Retrospective insights from my 20s form a significant part of the discussion; from the pressure of maintaining a 'fashionable' image to learning the art of declining unnecessary expenses.
Remember wanting that swanky apartment but couldn't afford it? I had the same desire, but chose a budget-friendly apartment instead – a decision that has paid off.
Whether you're just starting out on your financial journey, or seeking to improve your financial knowledge later in life, this episode's candid anecdotes and valuable advice are sure to equip you with a fresh perspective on debt and the importance of saving for retirement.
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Ready to face your fear of money and unlock the power of financial success?
Join me with personal finance expert, author, and host of the So Money podcast Farnoosh Torabi.
We'll discuss how fear can be harnessed as a superpower for financial success, navigating the complex maze of fear-based decision-making.
You'll learn how societal norms and parental influence can shape our relationship with money, as well as gain insight into the dangers of toxic positivity and how embracing all our emotions can lead to a balanced life.
It's time to flip your script on fear - don't miss it!
Connect With Farnoosh:
On Her Website: AHealthyStateofPanic.com
On Instagram: @farnooshtorabi
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Have you ever asked yourself, "Where does my money go?" Well, you've come to the right place. Over the last twelve years, I've embarked on a personal adventure, exploring the power of cash envelopes for budgeting. Today, I'm thrilled to share my valuable insights with you.
In this episode, we'll dive deep into the world of cash envelopes. We'll explore their functionality and the pivotal role they play in effective budgeting. I'll divulge my own experiences of using cash for various categories, ranging from babysitting to groceries. And guess what? I still rely on cash for specific categories to this day.
Prepare yourself for an enlightening conversation about budgeting habits, controlling your spending, and establishing financial boundaries. It's time for you to regain control over your money. Let's get started!
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Picture this: your grocery bill, cut in half. Sounds impossible, right? Not when you've got the queen of budget-friendly meals, Erin Chase, guiding you through the art of frugal feasting! Erin, founder of $5Dinner.com and author of the $5Dinner Mom Cookbook series, joins us for a chat that's sure to change how you shop, cook, and eat. From navigating the grocery store during turbulent times to leveraging store apps for the best sales, Erin’s expertise is a lifeline for those looking to save a buck without sacrificing the joy of a good meal.
But it's not just about saving money, it's also about gaining confidence in the kitchen. Erin shares her secrets to discovering the joy of cooking. She serves up tips on creating simple yet delicious meals, cutting down on dining out, and preventing food waste by stocking up on freezer-friendly options.
With Erin's wisdom, you'll not only save money but also rediscover the delights of home-cooking. So, ready to cook up some savings? Join us for this insightful chat with Erin Chase.
Connect With Erin:
Get the recipes, shopping lists and step-by-step directions for putting 10 meals together and into the freezer.Check out her website here
Follow her on social media:
@5dollardinners (Tw/IG/Threads)
@5dollardinnersfans (FB)
You Might Like:
- Get the BRAND NEW FREE Goodbye Debt Tracker!
- Grab my FREE Budgeting Cheat Sheet.
- Follow Allison on Instagram! @inspiredbudget
- Check out Inspired Budget's blog.
- Take my FREE class on How to Budget to Build Wealth!
Are you tired of feeling trapped in a cycle of financial stress? Run your money, don't let it run you!
Join me in this episode on a journey towards financial freedom as we unpack five powerful questions that will help you shift out of a scarcity mindset and discover the wealth and abundance that is waiting for you.
Transform your money mindset and become the master of your own financial future - listen now to make it happen!
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
What if I told you that a shift in mindset could drastically change your life?
In this episode, You'll hear it from Jen Ruiz as she unfolds her transition from a mindset of scarcity to one of abundance, a change that led her to pursue her dream of traveling the globe.
Her story is not just about traveling and exploring; it's about overcoming limiting beliefs, embracing self-confidence, and the power of storytelling.
Jen's story is a testament to the power of self-belief and the ability to monetize one's skills, even during uncertain times.
You'll also discover how she strategically managed her finances and prioritized travel while remaining financially responsible.
So, buckle up for an episode that's as much about financial savvy as it is about daring to dream.
Connect With Jen:
Https://twitter.com/jenonajetplane
Https://facebook.com/jenonajetplane
Https://instagram.com/jenonajetplane
Check Out Jen's Books Here!
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Are you ready to take charge of your financial future? Paying off debt can seem like an uphill battle without end, but there's hope.
Join me as we explore the power of compound interest and how it could help you achieve your financial goals faster!
Learn how to make even the smallest amount work for you, and get tips on automating investments through a Roth IRA and other tools.
Ready to start investing? This episode will give you a head start on making informed decisions—let's start building our wealth, one small investment at a time!
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
If you're contemplating a pivot into the online space or seeking to maximize your income, this episode will give you all the motivation and advice you need.
Unlock the wisdom of Kahlie Welch's inspiring journey: from nursing dropout to certified occupational therapist and Director of Operations.
Discover how she embraced change, developed her skills, and achieved financial success with an open mindset and a willingness to pivot into the online space.
Plus, learn valuable insights from Kahlie on personal financial growth and the importance of investing in yourself!
Listen now for all the motivation and advice you need to reach your income goals.
Email Kahlie at kahlie@inspiredbudget.com and let her know what you thought of this episode!
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Have you ever imagined yourself lounging on a leather Chesterfield sofa, or maybe living it up in a Beverly Hills mansion?
Well, join me and my friend Chris on this episode as we help you imagine and weigh the cost of the outrageously priced luxury items. From discussing the extravagant cost of luxury furniture like Chesterfield sofas, to analyzing what we've spent on similar items in the past, we're taking a deep look at the worth of luxury.
We put forth the pros and cons of both, hoping to help you discover your own preferences.
No matter whether you're a spender, a saver, or somewhere in-between, we guarantee you'll find plenty of food for thought in this episode. Tune in, and let's dream big together!
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Have you ever wondered about the state of financial literacy in our high schools? Join our riveting dialogue with Brooklyn's own financial educator, Yanely Espinal, also known as "Miss Be Helpful".
Yanely, with her inspiring dedication, is on a mission to bring financial literacy to high schools nationwide, aiming to instill money management skills in the next generation.
We discuss the variations in money management curriculums across states and how to equip teachers to impart these vital skills.
Join us for this enlightening conversation and take a step towards financial literacy.
Connect with Yanely:
On her website
YouTube
Instagram
LinkedIn
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Ever struggled with the temptation to overspend when your budgeting efforts are finally pay off?
How about that powerful urge to splurge on an impulse with your hard-earned money? I understand!
I'm here to guide you through this financial struggle, discussing the emotions and underlying goals that drive our spending desires.
Remember, spending money isn't bad; it's about being intentional and planning your spending. Press Play to conquer this temptation together!
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
What does resilience look like in the face of unimaginable loss? How do you navigate the emotional and financial minefield of burying your loved one?
This week, I had the honor of talking with Jen Narciso, founder of Investor Mama, who courageously shared her own personal journey of losing her son, Nathan Ryan.
In our deeply moving conversation, Jen opens up about the heartbreaking decisions she and her husband faced when Nathan passed away.
From the despair of not knowing where to turn for help, to the struggle of arranging a dignified burial despite financial constraints, Jen's story is a stark reminder of the importance of being prepared for life’s unexpected turns.
Connect With Jen:
On Instagram
On her Website
Check out her Facebook group
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Ready to unravel the conundrum of student loans?
Let's get into a revealing look into the history of student loans, the spiraling cost of college education, and the recent Supreme Court ruling that extinguished the hopes for student loan forgiveness.
Brace yourselves! Student loan payments are coming back to life this October. We're going to crack the code on how to draft a budget, a real-life budget, and not one that lives in your dreamland.
This episode is your compass in the chaos of student loans and essential preparation for their looming return. Don't let the chance slip by!
Press play to discover how to reincorporate student loan payments into your budget, understand the importance of having one, and uncover strategies to obliterate debt without putting a damper on your lifestyle.
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Have you ever considered how vital open and relaxed money conversations are in relationships? Well, we had the privilege of chatting with Elle Martinez, the brain behind the award-winning blog, Couple Money, who enlightened us on this topic.
Elle generously shared her personal journey of navigating money talks in her marriage.
In this episode we dive into:
- How she and her husband embraced the habit of having regular, relaxed money talks, which were instrumental in aligning their financial goals and priorities.
- How often should you talk about financial goals in your relationship?
- What happens when couples to have differing views on financial matters; buying a house, planning vacations or even retirement plans.
- Common financial challenges that couples face and how setting aside time for meaningful money dates can help.
And so much more!Join us for a rich conversation that promises to reshape how you handle money as a couple. Enjoy!
Connect With Elle:Website
Twitter
Facebook
Instagram
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Feeling like your budget just doesn't seem to work?
We often create budgets that don't reflect our own patterns and habits. That's why it's essential to include things that bring us joy in our budgets (like those Starbucks runs!).
If you're ready to take charge of your finances, while still living your best life, press play to discover the four main budgeting principles that can help you achieve financial freedom without sacrificing the things you love.
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
From 6th grade drop out to competing in the Beijing Olymics at the age of 23, Suni Rao worked her way up the corporate ladder and became a real estate investor, only to find that despite achieving professional success and building multiple income streams, she still grappled with anxiety and mental health issues surrounding money.
Suni's story sheds light on the emotional impact that financial trauma can have on our decision-making, relationships and overall well-being.
If you've ever experienced financial trauma or want to better understand its effects, tune in to hear about Suni's personal coping mechanisms and strategies for healing and overcoming the lingering impact of past financial traumas.
- Check out Suni's website
- Follow Suni on Social Media: @suni_rao_
- Check Out Suni's highly themed airbnb property!
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Summer comparison can have unintended consequences on our emotional well-being, financial stability, and overall contentment in life.
Let's explore how combating summer comparison is crucial and discover practical ways to overcome it!
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Do you want to raise your kids to become financially capable adults?
Bobbi Rebell is with us today to discuss how to navigate money conversations with our kids and equip us with the tools we need to raise financially savvy grownups! If you're a parent, this episode is a must-listen!
Links Mentioned
- Launching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Become Everyday Money Smart
- The Wellness For Financial Grownups Podcast
- Grab my FREE Investing Starter Kit!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Want to help your kids develop a healthy relationship with money?
Tune into today's episode as we explore how to foster mindful spending habits for your children while building a solid financial foundation that will set them up for future success!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Today I'm interviewing award-winning family finance coach, Andy Hill, on how to invest for your kids!
Andy is your go-to resource on how young families can build wealth and happiness for their children's future and today, he's sharing the details on how he is personally building wealth for his own children!
Tune in to discover how you can inspire generational wealth and financial literacy in your own children all while investing for their future.
Links Mentioned
- Make My Kid a Millionaire Course
- Marriage Kids & Money Website
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
I am NOT immune to feeling like my dollar is being stretched very thin over the summer months. I mean, we take a family trip, we send our kids to summer camps, we have family get-togethers and celebrations, we go on road trips.
In the past I used to get really stressed out around the summer months, especially since I was a teacher and couldn't rely on my income until the school year started back up. So I had anxiety that would just stay in my system all the time because I knew I was stretching myself too thin financially.
Can you relate? If so, I want to share some tips our family intentionally does to prepare for the summer spending splurge. My hope is that you walk away feeling more confident and empowered to enjoy your summer, guilt and anxiety free when it comes to your money!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Want to have a healthier, more productive relationship with money?
Erin Lowry, author of the Broke Millennial Series, is on a mission to help millennials get their financial life together and today, she's leading us in a conversation all about our emotional connection to money and how to develop a healthier approach to paying off debt.
Links Mentioned:
- Broke Millennial Workbook
- Follow Erin on Instagram | Facebook | Twitter
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
My FAVORITE credit card for travel hacking just increased their sign on bonus and you better believe I had my husband sign up for it! So today, I'm answering ALL your questions about travel hacking do's & don'ts.
This is the same card that allowed us to:
- Fly free to Canada (round trip) for a family of 4
- Pay for a 5-day car rental on vacation
- Pay for our hotel stay in downtown Vancouver
- Book our flights home from Hawaii (for 4 people) this summer
It's the perfect credit card for anyone who wants to try out travel hacking!
Links Mentioned:
- Chase Sapphire Preferred Card
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Does your fluctuating income make it harder for you to budget?
Today we're joined by Barbara Sloan, author of Tipped: The Guide to Financial Freedom for Service Industry Professionals Barbara is a personal finance expert, money coach, and former homeless teen who danced for dollars and survived off tips. With over 20 years of experience in the service industry and as the owner of a woman owned construction company in Manhattan, Barbara is here today to share her insights on managing money and achieving financial freedom in the service industry.
If you're wondering how to achieve financial freedom when you don't have a typical 9-5 job with benefits, you're going to want to tune in!
Follow Barbara:
- Tippedfinance.com
- @tippedfinance on social media
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Do you feel pulled in a million directions with your money? Do you have a hard time following through with your financial goals due to overwhelm?
Today I'm sharing a very special recording with you all. Each month I provide live coaching to my Inner Circle community. This month, I felt strongly that I should share an excerpt with all my listener's today as I have a feeling you all could use a dose of encouragement before we head into the very busy, sometimes very costly summer months!
If you'd like to work on creating a better financial foundation for your life alongside a like-minded community (The Inspired Budget Inner Circle) then I want you to start by taking my free budget class. I'd love to see you there!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Did you know I co-host another podcast with my friend Chris Browning? It's called This is Awkward and today, I'm sharing an excerpt from our latest episode where we explore what it truly means to leave a legacy.
Links Mentioned
- This Is Awkward Podcast
- Follow This is Awkward on Instagram! @thisisawkwardpodcast
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
I can't believe I have officially recorded 100 episodes of the Inspired Budget Podcast! I truly appreciate each and every one of you for tuning in helping me make this dream a continued reality.
To celebrate, I'm peeling back the curtain on some aspects of my business & personal life so you, my amazing listeners, can get to know me a little better!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
As headlines continue to discuss widespread layoffs and economic uncertainty, it's important to remember that being laid off doesn't have to mean the end of your career or financial stability.
In this episode, we are joined by Jesse Mecham, personal finance expert and founder of You Need A Budget (YNAB) to discuss practical advice and insights on how to navigate job loss and prepare for the possibility of a lay off.
Follow Jesse
- YNAB Website
- You Need A Budget Podcast
- Instagram (@YouNeedABudget)
- YouTube
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
To celebrate my book hitting shelves in less than one month, we are going to talk about chapter 2 of my book: Money Habits and Money Mindset.
I’m a big believer that habits are imperative to your success no matter what you’re working toward! So if you've got some goals you want to achieve this year, then you're going to want to tune into this episode!!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
If you're a woman who wants to take charge of your career, then this episode is for you!
Today I'm interviewing Kelli Thompson. Kelli is a women’s leadership coach and speaker who helps women advance to the rooms where decisions are made. She has coached and trained hundreds of women to trust themselves, lead with more confidence, and create a career they love.
Join Kelli and I as we dive deep into the challenges and opportunities that women face in the workplace, and learn how to overcome them to achieve your goals.
Resources
- Closing the Confidence Gap by Kelli Thompson
- Free Career Clarity & Salary Negotiation Guide
- Website: Kelliraethompson.com
- Instagram: @kelliraethompson
- Linkedin: in/kelliraethompson
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Determining your own catalyst for financial change is a crucial step in staying motivated to reach your money goals. So...
How do you determine your own catalyst for financial change?
How do you find a catalyst that will be strong enough to stand up against society and years of money habits that leave you wanting to spend money?
How do you find the thing that will be stronger than your emotional desire to go into deep debt for the car you’ve always wanted?
How do you find a motivator that will last the length of your journey—especially if you’ll be working on changing your finances for years on end like we were?
Tune in to find out!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Have you ever FINALLY achieved a major life goal or milestone, only to realize that the high you get from reaching this goal is fleeting and reaching the top of that mountain peak wasn't everything you thought it'd be?
Before you know it you're back at square one with a different goal saying "If only I could...then I'd be truly happy!"
If you can relate, this episode with Katie Gattie is for you!
Katie is the face and voice behind the brand Money with Katie. She focuses on the ins and outs of taxes, investing, spending habits, and how we can row our personal finance boats in the choppy economic waters we exist within.
Resources:
- Listen to the Money with Katie podcast here!
- Grab Katie's 2023 Wealth Planner here!
- Follow Katie on social media: @moneywithkatie
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
If there's one thing motherhood has taught me, it's that you HAVE to flexible and adaptable to win in life, and this is especially true when it comes to your money.
This means that you're probably going to want to re-think some of the money rules you're currently living by (whether you're conscious of them or not) in order to find new solutions that better fit your current life circumstances.
Today I'm sharing about the 3 common money "rules" that I have completely removed from my life and why they no longer serve me!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
After working in investment management, Amanda holden decided that helping rich men get richer was not her calling. Through her business, Invested Development, Amanda has taught thousands of women to invest through workshops and courses. Using her unique mix of humor and deep knowledge, she shows her students—often for the first time ever—that building wealth is within their capacity.
Follow along for free, fun, inclusive investing education happens over on her Instagram and TikTok @dumpster.doggy
Resources
- Investing 101 90-Minute Workshop (FREE for Inspired Budget Podcast listeners!)
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
When it comes to your money, I personally believe that setting up your emergency fund should be the very first thing you tackle. You’ll be thankful that you have it in place when you’re faced with unexpected expenses.
Today's podcast will answer all your burning questions when it comes to your emergency fund:
- Why do you need an emergency fund?
- How much should be in your emergency fund?
- When should you dip into it and what do you do once you've drained it?
- What happens when you've got an emergency fund set up, but it's not enough to cover your emergency?
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Today, we're diving deep into the psychology of money and the effects our money beliefs have on our personal finances.
Joining me in this conversation is Paco de Leon, author, illustrator, musician and founder of The Hell Yeah Group, a financial firm dedicated to inspiring creatives to engage with their personal and business finances and Hell Yeah, Bookkeeping, a bookkeeping agency for creative businesses.
Follow Paco:
instagram.com/thehellyeahgroup/
tiktok.com/@moneyzaddypaco
https://twitter.com/HellYeahGroup
Resources:Grab Paco's book Finance for the People!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
In today's episode, I'm sharing 5 easy ways to save money this year - no matter if you’re a seasoned saver or brand new to this whole “adulting” thing.
If you’re willing to implement even a few of these easy money saving tips, you’ll be sure to save serious cash over the next year!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
You have more power than you may think when it comes to making positive changes in the world with your money!
In this episode of the Inspired Budget Podcast, Tanja Hester discusses her new book, Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change.
If you want to feel hopeful, empowered, purposeful and impactful when it comes to the way you approach money management, I suggest you tune in!
Follow Tanja:
Twitter | Facebook | Instagram
Buy Tanja's new book, Wallet Activism here!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Today, I put my husband Matt in the hot seat!
He answered all your burning questions including:
"How do I talk to my spouse about money if they don't like talking about money...EVER!"
"How involved are you in the family financial decisions?"
"How was your relationship during your debt free journey? Were there fights, tension, or did the experience draw you closer together?"
"How do you support Allison when she is feeling depressed or anxious and wants to shop"
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
How much money are you leaving on the table by not negotiating your income?
Mandi Woodrow Santos is career and money expert who founded the Mandi Money Makers, a one-of-a-kind leadership and career coaching community for women of color.
She's an award winning co host of the Brown Ambition podcast and is a regular contributor to Yahoo Finance live
Today we're going to be talking about the power of negotiating!
Links MentionedThe Just Quit ToolKit
Nail the Negotiation
Follow Mandi! IG @mandimoney | Tiktok @maaandymoney | Twitter @mandiwoodruff
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Want to know the secret to actually achieving the goals that you set for yourself?
Today, I'm sharing the 4 steps you must take in order to create achievable goals and maintain the motivation you need to reach them.
Links Mentioned
- Atomic Habits Book
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
It's time to evaluate your relationship with money.
When it comes to your personal finances, are you riddled with stress, anxiety, confusion, or overwhelm?
If so, you're going to want to listen to this episode!
Today, I'm breaking down how to completely transform your relationship with money so you can manage it with confidence, ease, and finally have peace of mind with your finances.
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
When it comes to managing our finances, it's important to understand the root cause of any financial struggles we may be experiencing.
Is it that we're spending too much money, or is it that we're not earning enough?
Identifying the root cause is the first step in finding a solution. This episode will help you do just that!
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
If you have student loans or if you're a parent whose child will be taking out student loans in the near future, you're going to want to listen to today's episode!
Robert Farrington, founder of The College Investor, is a student loan debt expert who is sharing his knowledge with my listeneres today about repayment options, the best repayment plan out there, as well as the types of student loan forgiveness programs that exist today.
We're also gonna be talking about the number one thing that parents need to take into consideration when it comes to their own children taking out student loans.
Links Mentioned:
Studentaid.gov
Follow Robert:
The College Investor | Instagram | Facebook | YouTube | Twitter
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Today I'm sharing 4 budgeting and money tips that everyone should know!
Whether you're a budgeting newbie or an advanced investor, these tips will help you think differently about one of the most important parts of your life: your money.
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
What does financial freedom mean to you?
For Cindy Zuniga-Sanchez, it meant being able to bet on herself and take the calculated risk of transitioning from full-time attorney to full-time entrepreneur.
She's here with us to share how she set herself up financially to make her life-changing career transition.
If you're wondering how you should prepare your finances for full-time entrepreneurship, then this episode is for you!
Links Mentioned:
- Grab Cindy's new book! Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth
- Listen to #053: Cindy's $215,000 Debt Payoff Story
- Follow Cindy on social media! IG and TikTok: @zerobasedbudget | Twitter: @ZBBCoachingLLC
- Preorder my new book Money Made Easy & get access to early bird bonuses!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Do words like stock market, mutual fund, and target date index funds make your head spin?
In this episode, we're diving into all your questions when it comes to investing for retirement! I'll be answering the following questions submitted by listeners like you:
-
Where do I start when it comes to investing? It seems so complicated
-
How do I get over my fears that I will lose money?
-
How do I start investing with a small amount of money?
-
What happens to my 401(k) if I leave my job?
-
Can I invest even if I have debt?
-
How should I adjust my investments when I get a raise?
Links Mentioned
- Capitalize - The fast, easy way to move your 401(k)s - for FREE
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Today we're diving deep into the complicated relationship between financial health and mental health.
Leading us in this conversation is Marsha Barnes, Certified Financial Therapist and Certified Financial Social Worker and founder of The Finance Bar.
Follow Marsha
- The Finance Bar
- Instagram: @thefinancebar
- Facebook: @TheFinanceBar or facebook.com/TheFinanceBar
- Twitter: @thefinancebar
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
A couple of weeks ago my dog, Harry, made some questionable decisions that resulted in an emergency vet visit.
After seeing the bill and facing the possibility of a very expensive surgery, I got to thinking: should we have purchased pet insurance for our puppy?If you've ever had the same questions, let me save you hours of research by listening to this episode!!
I'm talking pros, cons, and even sharing some testimonials from some of my own Instagram followers who had LOTS of opinions on the matter!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Is having too much stuff costing you money, time, and mental freedom?
Deanna Yates helps busy families learn how to let go of the stuff holding them back so they can enjoy more time together, stop spending their weekends cleaning house, and wake up excited for the day ahead.
She's here today to talk about how a capsule wardrobe can save you money as well as the mental energy you need to show up as your best self every day.
Follow Deanna
* Instagram | Facebook | Pinterest | Website
Links Mentioned
- The Wannabe Minimalist Show
- Get the Capsule Wardrobe GUIDE here!
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
If you have debt, especially six figures of debt, you've likely experienced same emotions I experienced over and over again: denial, shame, guilt, and frustration.
But it doesn't have to be this way!
This episode will reframe the way you see debt as you learn to look at your money situation in a new light!
Hint: I’m a firm believer that having debt does NOT mean you are bad with money.
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE class on How to Budget to Build wealth!
Sam Dogen retired in 2012 at the age of 34 with roughly $80,000 a year in passive income.
Since then, he's written over 2,500 articles on his booming website, Financial Samurai, where he dives into topics like investing, real estate, retirement planning, career strategies, and more.
He's the author of“Buy This, Not That: How to Spend Your Way to Wealth and Financial Freedom” and“How to Engineer Your Layoff: Make a Small Fortune by Saying Goodbye."
He's here today to discuss all things personal finance!
Resources:
- Follow Sam on Twitter @financialsamura
- Check out Sam's book Buy This, Not That: How to Spend Your Way to Wealth and Financial Freedom
- Check out Sam's website, Financial Samurai
- Learn how to negotiate a severance package
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE budget class!
It’s easy to wait until the last minute when it comes to Christmas shopping.
However, that can add stress and frustration to what is supposed to be the most wonderful time of the year.
Instead, when you plan in advance and create a Christmas budget, you’ll enjoy the holidays even more!
Links Mentioned:
- 5 Steps to Budget for Christmas [Free Budget Template Included]
- 10 Ways to Spend Less this Christmas
- Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE budget class!
Wondering how you can make money working from home as a virtual assistant?
Abbey Ashley, founder of The Virtual Savvy and Hello Savvy, is here today to share what exactly a virtual assistant is and how you can either start a new career path or generate side hustle income for you and your family!
Side note: I found my AMAZING virtual assistant through her course! If you're interested in learning more check out the resources below.
Resources:
- Become a Booked Out Virtual Assistant (FREE Training)
- Check out the VA Savvies FREE Facebook Group!
-
Looking to HIRE a VA or find people who WANT to hire you as a VA? Check out HelloSavvy
-
Follow Allison on Instagram! @inspiredbudget
- Read the full show notes here on the blog!
- Take my FREE budget class!
"My husband abruptly decided on separation a month ago and moved out this week. Do you have any advice on budgeting and how to move forward?”
There’s no doubt about it - navigating a major change with your finances can be difficult, but throw in a separation or divorce and it can be downright overwhelming.
When it comes to financially preparing for separation or divorce, there are many things you’ll want to take into account! This episode is all about helping you prepare for this life adjustment.
Links Mentioned
- Free Budget Class
- Check out the full show notes on the blog!
By the age of 26, Israel Tovar built a six-figure net worth on a teacher salary. His sister, Sunem Tovar, was able to pay off $42,000 in debt and built a $200,000+ net worth in less than 5 years!
Together, these first-gen Latine siblings are on a mission to help other teachers of color reach financial security.
Resources
- The Dream Teacher Project - Free Budgeting Guide
- Book a Free 30-minute call with Israel and Sunem
- Follow Israel and Sunem: Twitter - @DreamTeacherPRJ | Facebook | Instagram
- FREE Debt-Free Roadmap
- Check out the full show notes on the blog!
Do you ever spend money unplanned or based on emotions?
Maybe you find yourself spending money because you’re mad, sad, glad, or stressed.
If so, then this episode is for you!
We’re breaking down WHY you’re struggling with impulse spending and how to conquer this pattern. You’ll walk away with real strategies you can put in place today so that you keep more of your money in your pocket.
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Links Mentioned
- Stop the Swipe Course
- My friend Jeremy's course How To Build Wealth By Investing In Index Funds
- Free Budget Class
I don't even have to ask you if inflation has impacted your budgets. I can speak from experience, I've definitely had to adjust my budget categories to account for inflation!
But is it going to stay like this forever? Is this our new normal?
Since we are all feeling the affects of inflation, is this reason enough to negotiate a pay increase at your job?
Are there strategies to help us manage our money better in the midst of such high prices?
To help answer all these questions, I've got Nicole Lapin on the podcast today. She's a financial journalist, television news anchor, and a New York Times bestselling author who also has her own chart-topping podcast Money Rehab with Nicole Lapin.
Resources:
- Free Budget Class
- Get the full show notes here on the blog!
- Follow Nicole on Instagram!
How did you view money when you were a teenager?
If you're a parent and you're wondering how you can help you kid not only start earning money, but also how to manage that money, then tune you're going to want to tune into today's episode!
Resources:
Free Budgeting and Debt Payoff Cheat Sheet
Get the full show notes here on the blog!
Follow Allison on Instagram!
Years ago, a fellow teacher and friend came to my classroom to talk to me about something that felt very vulnerable and scary to share. She knew I was passionate about personal finances, and she needed help - fast! She was pregnant with her second child. The problem was her and her husband were living paycheck to paycheck and couldn't afford daycare. They needed to find a way to afford an extra $900 a month. Plus they were in serious credit card debt and had little to no savings.
Her and her husband came to my house and we laid everything out on the table. Kendra and her husband walked away with a plan and today, just 4 years later, Kendra has an inspiring story to share that I think will be a pivotal moment to my listener's success and motivation when it comes to paying off debt.
Resources:
Free Debt Free Roadmap
Get the full show notes here on the blog!
Follow Allison on Instagram!
Today, I'm answering all your burning questions about how and why I became an owner of a small business that's run 100% online!
I'll be answering:
- How much money did it take to start Inspired Budget?
- How am I able to produce a consistent income?
- What’s the best business advice I've ever received?
- How do I pay myself as a business owner?
- What were some of my biggest mistakes in business and how did I overcome them?
Links Mentioned:
Episode 59: Legitimize Your Business Idea with Janet LeBlanc
Resources:
Free Budget Class
Get the full show notes here on the blog!
Follow Allison on Instagram!
Did you know that nearly 90% of medical bills contain errors? This means that vast majority of Americans have grossly overpaid on medical bills simply due to lack of knowledge.
Dr. Virgie Ellington is an internal medicine physician and medical billing expert who helps patients learn how to advocate for themselves and avoid financial devastation from crushing medical bills, and today she's sharing three steps to take to ensure you never overpay on a medical bill again!
Links Mentioned:
Crushmedicaldebt.com
Podcast - Ask a Doctor - What Your Doctor Wants You to Know with Dr. Virgie
Book - What Your Doctor Wants You to Know to CRUSH MEDICAL DEBT
Follow Dr. Virgie:
Facebook | Instagram | LinkedIn | Twitter
Resources:
Free Budget Class
Get the full show notes here on the blog!
Today I'm answering ALL your questions about my life, my business, and anything in between.
I don't know about you, but I personally love to learn about the behind-the-scenes of the people's lives that I connect with online. I feel like it allows me to see them in a new light and find things that we might actually have in common which fosters authentic connection, and I'm all for that!
I hope that's what this episode does for you today!
Links Mentioned:Episode 62 - How we Travel Hacked our Family Vacation
Episode 46 - Managing Your Money When You Have Anxiety or DepressionLoving What Is by Byron Katie
Free Budget Class
Get the full show notes here on the blog!
There are SO many psychological and physiological benefits that are associated with generosity. I think ultimately, giving allows us to feel like we are a part of something much bigger than ourselves. And that's a powerful feeling.
Today, I have Andi Thieman, founder of Penny Loafer joining us to discuss why giving is important, what stands in the way of so many people actually being able to give, and how Penny Loafer helps make giving doable.
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram! @inspiredbudget
Links Mentioned
Penny Loafer
Follow Penny Loafer on Instagram | Facebook | Twitter | LinkedIn
ResourcesFree Budgeting & Debt Payoff Cheat Sheet
Get the full show notes here on the blog!
I'm going to be 100% honest here: I, Allison Baggerly, owner of a budget and personal finance company, have issues with overspending on my credit card!
It's very easy for me to just swipe, swipe, swipe until it's time for me to face my balance. And then I sit there thinking, "What did I do? How much money did I spend? How did I let it get out of hand?"
On top of that, when I start impulse spending on credit cards, I actually start to crave spending money even more! I can feel it in my body, I can feel it in my system. I want to spend the money. It's like a drug!
Maybe you can relate or maybe you're in the thick of the swipe cycle right now. If so, then I want you to know you're not alone. I've been there. AND there is hope! Although I do struggle with this, it doesn't happen often anymore. Why? I began to implement 2 easy action steps that help break me out of my impulse spending cycle, and today on the podcast, I'm going to be sharing those with you!
Links Mentioned:
Free Budgeting & Debt Payoff Cheatsheet
Get the full show notes here on the blog!
Once reason I'm obsessed with teaching people how to budget and pay off debt successfully is so that they can build generational wealth. I wanted to dive deeper in this topic so I asked a true expert in this space to join me on the podcast today!
Mark Russell is a foster child turned financial educator. He's comes from a low income family, and he put himself through college and paid off $80,000 in debt. After graduating, Mark spent much of his career at two of the largest financial institutions in the world, where he consulted 1000s of households on how to manage their money the right way. Now, he's the owner and founder of Better Wallet, and he teaches people all around the world how to make money work for them. He has a mission to help people build generational wealth as he built his own.
Tune in to learn the 5 factors that contribute to building generational wealth for your family!
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram! @inspiredbudget
Links Mentioned
Grab Marc's free financial checklist here!
Twitter - @thebetterwallet
Instagram - @betterwallet
TikTok @betterwallet
ResourcesFree Debt Free Roadmap
Get the full show notes here on the blog!
Last month, our family returned from an 8-night vacation in Canada where we hiked up majestic mountains, skipped rocks in gorgeous glacier fed lakes, experienced orcas in their element, and encountered six bears. This family trip had been in the works for almost an entire year. And when we started planning this vacation, our goal was simple: we wanted to travel hack as much of it as we possibly could. And that's exactly what we did! In fact, on this trip, we travel hacked flights for all four of us, a five-night car rental, and even part of our accommodations.
Today I'm going to be sharing with you how we did it and the steps you can take to take your own dream vacation, whether you're just getting started with travel hacking or you've been doing it for a while.
And in case you're wondering, yes, we're already planning our vacation for next summer! We're already stages of researching the signup bonuses for different credit cards, deciding what credit card we want to sign up for, and where we'd love to go so that we can travel hack another big family vacation next year!
Links Mentioned:
Click here to compare credit cards and learn about their sign-on bonuses!
FREE Budget Class
Get the full show notes here on the blog!
Every single time I talk to Bola Sokunbi, I walk away so inspired! I feel like I can accomplish much more than I give myself credit for, and I know that's exactly how you'll feel after listening to today's episode!
Bola has built an incredible business. She is a Certified Financial Education Instructor (CFEI), finance expert, best selling author, speaker and the founder of an amazing company @clevergirlfinance. Her goal is to empower women to achieve financial wellness and live life on their own terms.
Today on the podcast, we're diving deep into learning how to manage, minimize, and silence imposter syndrome so that it doesn't hold you back from achieving your dreams.
Links Mentioned:
Grab a copy of Bola's new book: Choosing to Prosper
Resources:FREE Budget Class
Get the full show notes here on the blog!
Next month marks three years since we moved into our current home.
This is actually the third house we've purchased. That's crazy to me! Throughout each of our home-buying journeys -- through buying, moving in, and getting settled, we have experienced SO many hidden costs that come along with home buying. So much so that I WISH someone would have warned me about them beforehand so that I could've been better prepared financially.
That's what today's episode is all about! I'm giving you 9 hidden costs many people don't factor into their budget when buying a home. Since buying a home is a major decision, it's important to consider ALL the facts before you sign on that dotted line.
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram! @inspiredbudget
Resources
FREE Budget Class
Get the full show notes here on the blog!
If you've ever googled "How to start a side hustle" or "How to make money online," you're going to want to listen to this episode.
It's no secret that people have been leaving their corporate 9-5 jobs in droves since 2020. Though this initial migration may have been due to the pandemic, it's clear that a lot of people value the flexibility and independence that remote work has to offer. More than that, they value building something out of their own dreams, passions, and talents.
So what's keeping you from taking the plunge and making a life transition like starting a business?
My guest today is Janet LeBlanc, a certified public accountant and serial entrepreneur, and is actually one of the main reasons I decided to make Inspired Budget a legit business in the first place.
If you've ever considered starting your own business, this episode will not only inspire you to take action to bring your dreams to life, but it will also save you lots of time, stress, and confusion when it comes to finances (which may even be one reason why you haven't taken the plunge and started it in the first place!)
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram! @inspiredbudget
Links
Follow Janet on Instagram | Facebook | Twitter
Resources
The Get Legit Checklist
FREE Debt Free Roadmap
Get the full show notes here on the blog!
Credit scores. A little 3-digit number can be the difference between living in that dream apartment or only getting accepted to a low-light basement suite rental. My husband and I refinanced our home last year and our credit scores played a huge factor in us being able to refinance from a 30 year mortgage to a 15 year mortgage AND getting a lower interest rate.
Everyone begins from scratch, so if you have a low or non-existent credit score, don’t worry. With time and positive changes in your finances, your credit score will go up! Today on the podcast, I’m sharing the insight you need to not only understand your credit score, but also the action steps you can take to start raising your credit score today!
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram! @inspiredbudget
Resources
FREE Debt Free Roadmap
Get the full show notes here on the blog!
Are you putting off learning how to invest?
I get it, investing can feel super overwhelming and complicated. On top of that, you might be completely zeroed in on paying off debt and you're wondering if you should even be investing if you're not debt free...
To help answer all these questions in a simple way that will allow YOU to start building wealth today, I've got Chloe Daniels on the podcast! Chloe, founder of Clo Bare Money Coach and The Lazy Investor’s Course, is a money coach focused on helping people learn how to invest and build wealth without shame or judgment. And bonus - she is hilarious, wonderful, and has an incredible story to share!
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram! @inspiredbudget
Links
Follow Chloe on Instagram | Facebook | Twitter | Tiktok
Check out Chloe's free Get Your Money Right guide!
Resources
FREE Debt Free Roadmap
Get the full show notes here on the blog!
Are you constantly falling into a cycle of shame and frustration because you're overspending?
You might even be sticking to your budget and following through with your financial goals all week long. Then the weekend hits and it's a completely different story! Come Monday morning, you're feeling guilty about overspending in areas of your budget that you didn't plan for.
It's incredibly easy to get stuck in this repetitive loop when it comes to overspending. BUT there are ways to help you control this pattern and prevent you from blowing your budget and giving up on your goals! This episode will teach you how!
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram! @inspiredbudget
Resources
FREE Debt Free Roadmap
Get the full show notes here on the blog!
Has anybody else been binge-watching "Get Organized with The Home Edit" on Netflix?
Between that and my new kitchen renovation, I've been in an organization frenzy. So it only felt fitting to have Christina Hidek on the podcast today, an attorney turned professional organizer who is passionate about structure, organization and creating custom systems that help people de-clutter their lives.
Now I know you might be thinking.... professional organizer?! What does that have to do with money? Well, in this episode, we're discussing all the ways that clutter affects your finances as well as some quick tips to help you save money by getting more organized!
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram! @inspiredbudget
Links Mentioned
Check out Christina's Blog | Facebook | YouTube
Grab Christina's Organizing Guide HERE
Resources
Want to learn how to budget? Click here to take this FREE budget class
FREE Budgeting & Debt Payoff Cheat Sheet
Get the full show notes here on the blog!
Do you find that it's harder to stay on track with your budget and keep your spending in check during the summer months?
You might even be going into the season with a good hold on your finances, a budget that's been working for you, and a money routine that helps you stay on track. But by the end of the summer, all the vacations, summer outings, new patio furniture, and new summer wardrobe for the family has caught up to you. You're left with a massive amount of guilt hanging over you along with a large credit card bill to reinforce that feeling. I've been there. My husband and I had the summers off from teaching, meaning we had a lot more time on our hands to spend money.
If you can relate, this episode is for you! I'm going to be sharing the 4-step framework to help you avoid going overboard with your spending by creating a plan for your summer money. I'll also be showing you exactly how you can free up money in your budget to be able to adjust for summer fun!
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram! @inspiredbudget
Resources
Want to learn how to budget? Click here to take this FREE budget class
Get the full show notes here on the blog!
My guest today paid off over $215,000 in student loans and credit card debt in just 48 months!
Cindy Zuniga-Sanchez is a daughter of two immigrants, a lawyer turned entrepreneur, and the founder of Zero-Based Budget Coaching, LLC. After graduating law school in 2015, Cindy found herself in six figures worth of debt. Instead of giving into the temptation to "live the life of luxury" she deserved from all her hard work, she took control of her money by immersing herself in the world of personal finance and paid it all off in just 48 months.
No matter your profession, income level or how much debt you have, this episode is for you!
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram! @inspiredbudget
Links
Follow Cindy on Instagram
The Blueprint to Financial Freedom
Resources
FREE Debt Free Roadmap
Get the full show notes here on the blog!
Happy ONE YEAR anniversary to the Inspired Budget Podcast!
To celebrate, I'm not only sharing the three most important lessons that I've personally learned from paying off debt, but I'm also interviewing Cheryl, an amazing Inner Circle member who is in the middle of her debt free journey!
Through this conversation, my goal is to inspire you to take the next step in your own journey to financial freedom AND keep you motivated along the way.
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram: @inspiredbudget
Links Mentioned:
FREE Budget Class
Resources:
Get the full show notes here on the blog!
If you are a mama or soon-to-be mom, this episode could save you hundreds of dollars!
Kelly Anne Smith is joining me today to help all the mamas out there learn how to budget, save, and prepare for your baby in order to make the whole process a little less overwhelming!
Kelly is the owner and founder of Freedom In A Budget, an investing and personal finance brand dedicated to educating people on how to grow their income as well as how to spend, save and invest their money.
Follow Allison on instagram: @inspiredbudget
Enjoying the show? Make sure to subscribe & leave a review!
Resources:
- FREE Budget Class
- Check out the full show notes here on the blog
Links mentioned:
- Follow Kelly Anne on Youtube | Instagram | Twitter | Facebook
- Baby Budget Spreadsheet Template
- Kelly Anne's Baby Budget Breakdown
Ever wish you could go back and warn your past self BEFORE making a huge mistake?
I’ve made a lot of mistakes in my life…and a LOT of them surround money.
Why did I make so many money mistakes? Well, number one: I’m human. And number two, I wasn’t seeking out any help or guidance when it came to managing my money. Instead of thinking through money situations, I just acted on how I felt. I was emotional and impulsive when it came to money for YEARS. And looking back, I realize that some of my money mistakes really came down to impulsivity and simply a general lack of knowledge regarding personal finance.
Today, I'm sharing my five big money mistakes so that YOU can avoid them.
Follow Allison on instagram: @inspiredbudget
Enjoying the show? Make sure to subscribe & leave a review!
Resources:
FREE Budgeting & Debt Payoff Cheat Sheet
Check out the full show notes here on the blog
Links mentioned:The Simple Path to Wealth
Learn How Investing Works, Grow Your Money
Delyanne The Money Coach
Jeremy Schneider - The personal finance club
You're in for a treat today!
My great friend Chris Browning is joining us to talk all about how he and his wife paid off over $27,000 worth of credit card debt in just 4 years! Chris is passionate about making personal finance easy, and in today's episode, he does just that while breaking down his personal debt free journey.
In this episode, we discuss:
- How Chris and his wife found themselves in major credit card debt
- What major factors lead people into debt in the first place
- How Chris and his wife's debt free journey began
- What changes Chris and his wife had to make to actually see progress
Enjoying the podcast? Make sure to subscribe & leave a review!
Follow Allison on Instagram: @inspiredbudget
Links mentioned:
Popcorn Finance Podcast
Follow Chris on Instagram
This is Awkward Podcast
Episode 32 Popcorn Finance: Our $27,000 debt story Part 1
Episode 34 Popcorn Finance: Our $27,000 debt story Part 2
Resources:
FREE debt-free roadmap
Get the full show notes here on the blog!
Have you ever written a budget just to throw it away a few days later because something unexpected came up?
You created a budget with the best intentions, but then life happens. You get carried away swiping your card and before you know it your budget is blown…again! Or maybe you unintentionally spent too much at the grocery store leaving you with not as much money in your checking account.
Next thing you know, you’ve thrown your budget in the trash because unexpected expenses or overspending has caused you to lose faith in the plan you had set. You may have even uttered the words I’ll just start over next month.
Today, I'm sharing one of my secret weapons when it comes to staying on track with your financial goals! With this tool, you'll be able to get back on track TODAY...not next month!
Enjoying the show? Make sure to subscribe & leave a review!
Resources:
- FREE Budget Class: The 4 Step Framework to budget for your best life….without sacrificing your weekly latte runs
- Follow Allison on Instagram: @inspiredbudget
- Get the full show notes here on the blog!
Today, I'm having a very candid conversation with Lauren Gruetman, a survivor of domestic abuse that cost her HUGE losses both emotionally and financially. She is passionate about having shame-free conversations about money and is using her story to help others recover from financial shame, trauma, and abuse. She is a former drug counselor turned finance expert, the host of the Hard Money Talks podcast, and the author of the number one best selling book, The Recovering Spender.
In this episode, we discuss:
- Types and signs of financial abuse
- Financial red flags in relationships
- How to protect yourself from financial abuse
- How to get out of a financially abusive relationship
- How to have shame-free conversations about money
If you or a loved one is experiencing domestic violence, free help is available! Call the National Domestic Violence Hotline at 800-799-7233
Links Mentioned
- LaurenGreutman.com/Community
- Follow Lauren on Twitter, Facebook, Instagram, & Youtube
Resources:
- FREE budget class
- Follow Allison on Instagram
- See the full show notes here on the blog!
I'm not going to lie to you - I'm a little bit nervous about releasing this episode.
Partly because I'm talking about something that I have experience in, but not professional training in. And also, because I'm going to be very vulnerable and open here. I'm going to be sharing something about myself that not a lot of people know about. And usually, when they do find out about it, they're pretty shocked. And that is: I struggle with anxiety and depression.
I need to add this disclaimer: I am not a therapist. I am not a psychiatrist. My experiences with the subject that I'm speaking on today stem from my own personal experiences.
If you've ever battled with anxiety or depression, you understand that our money doesn't care about our mental status. Life still goes on. Bills still need to be paid. This is why it's so important to create systems and safeguards for our money so that when our mental state isn't the best, our money can still do what it needs to do.
In this episode, I'm sharing the 5 things you can set in motion TODAY to ensure you thrive financially in the midst of anxiety, depression, and/or financial stress!
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Resources:
- FREE Debt Free Road Map
- Want the full show notes? Check them out here on the blog!
Do you avoid conversations about money with family, friends, loved ones... maybe even yourself?
Much of our actions with money today stem from our past beliefs and experiences. Learning to voice those beliefs and experiences about money is the first step in creating real change in your financial life.
My guests today are Julien and Kiersten Saunders, the co-founders of Rich and Regular, Hosts & Producers of Money on the Table, and authors of the forthcoming book, Cashing Out. After paying off over $200,000 in debt while making the transition from corporate employee to full-time entrepreneur, they have made it their mission to inspire better conversations about money. The conversation that we ended up having was nothing close to what I thought it was going to be, and I think that it's really going to open your eyes and your heart to looking at your past with money differently.
Enjoying the show? Make sure to subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Resources:
- FREE Debt-Free Roadmap
- Get the full show notes here on the blog
Links Mentioned:
- richandregular.com
- Season 2 of Julien & Kiersten's video series, Money on the Table
- Pre-order their book, Cashing Out, today!
- Follow Julien & Kiersten on Instagram: @richandregular
Want to learn how to write a budget that you can actually stick to?
It's no secret that writing a budget isn't the hardest part about budgeting. Sticking to your budget and actually following through with it is where most people struggle. Add in unexpected expenses and impulse spending? Most people are ready to throw in the towel all together and end up believing budgeting is just a waste of time.
When you learn how to actually stick to the budget that you set, amazing things happen. You start to gain control over your money as the way you see your budget changes. This lays the ground work for a strong financial foundation, which is the only way you're able truly achieve your financial goals.
In this episode, I share 5 tips that help you stick to your budget. The best part? You can actually start implementing them -- starting today!
Enjoying the show? Make sure to subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Resources:
-
FREE Class: The 4 Step Framework to budget for your best life….without sacrificing your weekly latte runs
-
Get the full show notes here on the blog
Do you find budgeting and tracking your expenses to be extremely overwhelming? Maybe you even have all the fancy apps and tools to keep track of your spending, but somehow you still have trouble creating and sticking to a budget that actually works for you.
Guess what? You don't have to be perfect. In fact, my guest today will teach you to embrace your imperfection, owning who you are and what you like to spend money on. And BONUS - you can actually make budgeting fun!
This is the heartbeat behind Joe Saul-Sehy's message to you today. To borrow a phrase from FastCompany magazine, Joe gave us "the perfect blend of humor and actionable advice" to help those of us who feel like we've failed one too many times when it comes to budgeting, saving, and paying off debt. And it all starts with knowing the difference between budgeting versus tracking.
Enjoying the show? Make sure to subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Resources:
FREE Debt Free Roadmap
Get the full show notes here on the blog!
Links Mentioned:
Joe's new book- Stacked
Follow Joe - Twitter | Instagram | Facebook
Do you find it hard to stick to your budget and actually follow through with your financial goals?
You may have the BEST intentions at the beginning of the month. You may even be EXCITED and ready to start taking control and crushing those money goals!
But then life happens. And it becomes easier and easier to return to those same old money habits that keep you feeling trapped and out of control.
In this episode, I'm letting you in on an exclusive in-depth coaching session I gave to my Inner Circle members to help them develop the self-discipline they need to break this cycle for good.
You will learn WHY you're struggling with self-discipline when it comes to money, how to find inspiration, create boundaries, create goals you know you can achieve, and celebrate yourself along the way!
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Get the full show notes here on the blog!
Links Mentioned:
FREE Debt Free Road Map
FREE Budget Class
Investopedia
The Simple Path to Wealth by JL Collins
Are you sacrificing family vacations in order to meet your financial goals?
In this episode, I interview Aunt Kara who teaches us that it’s possible to travel and create lasting memories with your family WHILE saving money, paying off debt, and investing in your future. Aunt Kara has hacked the travel game by using credit cards to her benefit to save over $65,000 in travel expenses over the last 8 years.
In this episode, we discuss:
- The positive impact travel can have on a family who is pursuing financial freedom
- How to use credit cards the RIGHT way
- How to avoid common credit card pitfalls
- How to get started on travel-hacking
Enjoying the show? Make sure to subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Resources:
Debt Free Roadmap
Links Mentioned:
Aunt Kara on Instagram
Aunt Kara’s Website
What money lies are you believing that are keeping you from reaching your financial goals?
In this episode you will learn how to identify, reframe, and replace a scarcity money mindset with a mindset of abundance in order to reach financial freedom and live a life you enjoy.
You are capable of becoming debt free, investing and building wealth – but it all starts with your thought life.
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Links Mentioned:
FREE Debt Free Roadmap
Episode #002: How to Handle Impulse Spending
Want to learn how couples can get on the same page with money?
Angie and RJ paid off $123,000 in student loans in just one year! Today, their mission is to empower couples to manage their money with intention by eliminating debt, saving money and investing for their future.
In this episode, we discuss:
- How to engage in vulnerable conversations with our partners about money
- What to do when your partner isn’t on the same page financially
- How couples can still have fun, enjoy life, and live a life they love while paying off debt
- Strategies for couples to accelerate debt-payoff and reach financial freedom
Enjoying the show? Make sure to subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Resources:
FREE Debt-free Roadmap
FREE Couple’s financial cheat sheet
Links Mentioned:
Rich By Intention
- Podcast
Learn the difference between helpful and harmful money habits to help you manage your money and reach your money goals faster using my simple 3-step process!
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Links Mentioned:
Budgeting and Debt Payoff Cheat Sheet
Personal finance & budgeting isn't normally taught in school until high school and studies have shown that learning earlier is beneficial for children to feel more comfortable with money later in life.
In this episode, Matt Matheson joined in to discuss the 5 pillars of money to help parents teach their kids about money in a simple (& even fun!) way.
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
FREE Budgeting and Debt Payoff Cheat Sheet
Links MentionedFamily Money School Courses (special pricing and coupon code to expire 2/3/22).
Matt's website
Follow Matt on Instagram: @familymoneyschool
Want more money left in your wallet each month? These 7 money hacks will help you save money, spend less, and even FIND more money each month. With the costs of everything rising, these hacks are sure to help you keep more of your money.
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Links Mentioned:
Budgeting and Debt Payoff Cheat Sheet
Rakuten - Earn free cash back shopping online at no additional cost to you.
Episode 21 - How Cash Envelopes can Change Your Finances
Tracy and her husband paid off their entire mortgage within 3 ½ years of getting married. While Tracy was paying off debt, she scrimped and saved to put any little bit of extra money towards her mortgage.
Tracy now teaches women how to take control of their money and pay off debt WITHOUT sacrificing everything they love. She believes you need to figure out what you truly love to do (along with your family) and look at cutting the things you don’t love.
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
FREE FREE Debt Free Roadmap
Links Mentioned
Tracy’s Website
Tracy’s Podcast
Want to pay off debt this next year? I’m breaking down 3 steps you need to take to pay off debt FAST. These are the steps that our family took to see progress on our debt payoff journey without making a fortune. This episode is perfect for anyone who is tired of debt payments and wants to keep more of their hard-earned money.
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Links Mentioned:
FREE Debt Free Roadmap
Quicken
Join me for my FREE Live Training: The 4 Step Framework To Budget For Your Best Life
Date: Sunday, January 2nd
Time: 8PM EST
Click HERE to save your spot or go to inspiredbudget.com/class to register.
I’ve worked with HUNDREDS of women over the past several years, and I’ve seen these same mistakes repeated over and over again. The crazy thing is...most people don’t even realize they are making these mistakes!
Join me for my special 3 part series on the massive mistakes to avoid with your budget. You’ll walk away with REAL steps to help you budget better this upcoming year!
Join me for my FREE Live Training: The 4 Step Framework To Budget For Your Best Life
Date: Sunday, January 2nd
Time: 8 PM EST
Click HERE to save your spot or go to inspiredbudget.com/class to register.
I’ve worked with HUNDREDS of women over the past several years, and I’ve seen these same mistakes repeated over and over again. The crazy thing is...most people don’t even realize they are making these mistakes!
Join me for my special 3 part series on the massive mistakes to avoid with your budget. You’ll walk away with REAL steps to help you budget better this upcoming year!
Join me for my FREE Live Training: The 4 Step Framework To Budget For Your Best Life
Date: Sunday, January 2nd
Time: 8PM EST
Click HERE to save your spot or go to inspiredbudget.com/class to register.
I’ve worked with HUNDREDS of women over the past several years, and I’ve seen these same mistakes repeated over and over again. The crazy thing is...most people don’t even realize they are making these mistakes!
Join me for my special 3 part series on the massive mistakes to avoid with your budget. You’ll walk away with REAL steps to help you budget better this upcoming year!
Bethany and her husband made the drastic (and very exciting!) decision to sell their home in Phoenix, pay off her $78,000 of student loan debt, and buy an RV to travel the United States in. This was a plan that Bethany and her partner had dreamed of, but Bethany breaks down why they chose to make this life change sooner rather than later. She also shares how she’s able to work remotely while traveling full-time. Bethany gives tips and encouragement to anyone who is thinking of making a drastic change to fix their finances.
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
FREE Budgeting and Debt Payoff Cheat Sheet
Links Mentioned
Bethany’s Website
Follow Bethany on Instagram: @bethanyworksdesign
The new year is approaching which means goal setting is on the horizon. Today I’m breaking down how our family sets goals in 4 different areas of our life. We’ve been doing this for several years and I’m excited to share it with you today. These are the goals that help guide us throughout the year when it comes to how we choose to spend our money and our time. You’ll learn exactly what areas you can set goals in your life for, how to break them down into manageable pieces, and tips for making your goals stick.
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Links Mentioned:
FREE Budgeting and Debt Payoff Cheat Sheet
Andy Hill shares how he and his wife paid off their mortgage in 5 years. After a rocky start to homeownership, Andy decided that his second experience owning a home would be different. Andy shares tips for how you can also pay off your mortgage fast and how much he invested during this time period. If you’ve ever thought about paying off your mortgage, this is an episode you need to hear.
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
FREE Budgeting and Debt Payoff Cheat Sheet
Links Mentioned
Marriage, Kids, and Money Podcast
My Podcast Interview With Andy: Over $100,000 of Debt Destroyed on a Teacher’s Salary
Article: How We Paid Off Our Mortgage In 5 Years
Follow Andy on Instagram: @andyhillmkm
In the light of the pandemic, many Americans are questioning whether or not they want to continue in their current jobs. They have seen what working from home, less burnout, and more free time can mean for them and their family...and they want more of it.
Today I’m breaking down the exact steps I took to leave my full-time teaching job to work on my business full-time. I went from working 40+ hours each week to only working 25 hours. I’m sharing exactly what I considered to make the leap to working for myself and leave the traditional job behind.
This episode is for you if you’re curious how someone leaves their full time job or if you’re considering a career transition at all.
Enjoyed this podcast episode? Please subscribe and leave a review!
Follow Allison on Instagram: @inspiredbudget
Links Mentioned:
FREE Budgeting and Debt Payoff Cheat Sheet
Article: The Great Resignation
Today I’m sharing a podcast episode from my other podcast, This Is Awkward, that I host with my good friend Chris Browning. Enjoy this episode where we hear from someone who has a friend that is always asking her to do things that are expensive. Her friend makes more money than her but doesn’t seem to notice this fact. This is a situation that keeps repeating itself. Chris and I discuss how to handle this situation moving forward.
Be sure to check out more episodes from This Is Awkward by searching “This Is Awkward” in your favorite podcast app.
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Today we are hearing from Yanely Espinal from Miss Be Helpful. She is a first-generation immigrant who grew up in a family that struggled with money. Although Yanely had a full scholarship to college, she graduated with $20,000 of credit card debt. She realized that the lack of financial education is what led her to end up in so much debt. Yanely is sharing the mindset shift she had to make to help her pay off debt and change her financial story.
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Links Mentioned:
Follow Yanely on Instagram: @missbehelpful
Check out Yanely’s YouTube Channel
Did you know that you can negotiate your medical bills for less than you owe? Yes…even after your insurance kicks in! Today I’m sharing our story of negotiating our medical bills down along with exactly what you need to do AND say to pay less for your medical bills. Be sure to listen and check out the article below that outlines everything you need to know about negotiating your medical bills.
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Links Mentioned:
How To Negotiate Medical Bills For Less Than You Owe
Budgeting Basics Email Course
Today we are hearing from Chris, founder of The Everyday Millennial. Chris is a first-generation immigrant and dad who started taking control of his money at age 26 when he started paying off $50,000 worth of student loans.
After aggressively paying off his student loans in 2 years, he started focusing on investing and building wealth for his family. To date, Chris is on track to retire early at age 45 before his daughter starts high school. He encourages others on his platform to reach financial freedom!
Chris is sharing his story and offering advice for anyone that is working to pay off debt.
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Links Mentioned:
Follow Chris on Instagram: @the.everyday.millennial
Financial Freedom For Millennials Course
Chances are you’ve heard about travel hacking with credit cards. In today’s episode I’m breaking down our family’s personal experience with 2 specific credit cards and how we have been able to travel hack our vacations...for free! I’m even sharing tips on how to use these cards to their full advantage so that you earn the most rewards possible. If you’re new to travel hacking and you want to learn more, then this episode is for you.
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Links Mentioned:
Chase Sapphire Preferred Card
Southwest Credit Card
Budgeting Basics Email Course
Jannese Torres-Rodriguez is the founder of Yo Quiero Dinero. She’s sharing her story of how she left her 9-5 job to become a full-time blogger. She now makes over $10,000 each month through blogging even though she is no longer actively blogging!
If you’ve ever wondered how a blog can create a passive income machine for you, then this episode is for you. Jannese made it happen and is giving you the details on her journey to get there.
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Links Mentioned:
Delish Delights
The Ultimate Side Hustle Starter Kit
Follow Jannese on Instagram: @yoquierodineropodcast
Have you ever experienced the stress that comes with going into debt or struggling financially during the holiday season? Usually this comes during what’s supposed to be the happiest time of the year, but maybe you feel overwhelmed and frustrated because you’re bleeding money. In today’s episode I’m sharing 5 tips to help you stay on budget during the holidays. These tips are ones that you can implement NOW to help this holiday season be one you can fully enjoy without going into debt this year!
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Links Mentioned:
Free Christmas Budget Printable
Budgeting Basics Email Course
Stefanie O’Connell Rodriguez is the host of Real Simple magazine’s ‘Money Confidential’ podcast, the founder of Statement Cards, and the co-founder of Statement Event. Stefanie is sharing how women are ultimately being blamed for the gender pay gap. Women are told to “always negotiate” and “speak up more” to close gender gaps. But when they do, they face consequences for being too ambitious.
In today’s episode, Stefanie shares real life examples of these penalties that women face as well as how women and men are perceived differently when trying to move up in the workplace. She also gives steps for how to move forward from this structural bias.
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Links Mentioned:
Stop Punishing Women For Being Ambitious Article
Check out Stefanie’s Too Ambitious Weekly Bulletin
Follow Stefanie on Instagram: @stefanieoconnell
Cash envelopes can completely transform how you spend money in the best way possible! In today’s episode I’m sharing more about my personal experience with cash envelopes as well as answering some of the most common questions I get about cash envelopes. Click the link down below to get access to my FREE Cash Envelope Guide where you can also get your own cash envelopes to start using today.
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Links Mentioned:
Cash Envelope Guide
Budgeting Basics Email Course
Niqua is the founder of Financially Winning. Niqua shares how she paid off $21K of debt on one income in just 11 months. She is a dual citizen and grew up in the Virgin Islands. Niqua moved from the Virgin Islands to the US at the age of 18, forcing her to change the way she saw and learned about money.
Staying motivated while paying off debt can be difficult. In fact, it’s easy to give up on your goal along the way. Niqua faced these same struggles and she’s sharing how she stayed focused on this journey. If you’re on your debt free journey or if you’re thinking of paying off debt, this episode is for you!
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Links Mentioned:
Check out Niqua’s Website
Check out Niqua’s Etsy Shop
Follow Niqua on Instagram: @financiallywinning
Have you ever noticed that the majority of financial advice for moms comes down to meal planning and cutting coupons? While we could all use meal planning advice, moms are still the core of our family and need to be equipped with the guidance to make harder financial decisions in their families. That’s where Cat Alford steps in! In Cat's new book Mom’s Got Money, she breaks down how millennial moms can take ownership over her life and finances.
In today’s episode Cat shares her experience as a mom in need and how one single moment in her life lit a fire under her to change the way she was making money. If you’re a mom, then you’re going to love this episode!
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Links Mentioned:
Mom's Got Money
Check out Cat’s Website
Follow Cat on Instagram: @catherinecalford
If you’re working to pay off debt chances are you’ll need a little extra motivation along the way. In this episode I’m breaking down 4 tips on how to stay motivated while you’re paying off debt. These tips are designed to help you stay the course and reach your debt free date faster. I’ll be sharing how I’ve used these tips in my life as well as how others have seen success with them too.
Today’s question comes from Caity: “Do I need to be debt free to invest?” Listen to the episode to find out!
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Links Mentioned:
Single Mom’s Budget with $48K Debt
Submit your Real People Budget Here
Get Access to my Free Resource Library
Inspired Budget Inner Circle
Melissa is the co-founder and content creator of the Millennial In Debt brand. She has paid over $100,000 in student loan debt on a teacher's salary and is currently teaching millennials how to get out of debt, build generational wealth and earn financial freedom.
Melissa shares her story of going from knowing nothing about managing money or investing to paying off all her debt in 5 years and buying her first home. She shares what kept her motivated to reach her very large, multi-year debt payoff goal.
We also discuss how debt can affect a millennial's ability to build wealth. If you’re a millennial, this episode is for you!
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Links Mentioned:
How To Invest Your First $100 Webinar
Follow Melissa on Instagram: @millennialindebt
Delyanne is an employment attorney and money mentor. She launched Delyanne The Money Coach LLC after she discovered FIRE (Financial Independence Relax Early as she likes to call it). Since then she's paid off $110,000 in student loans and her business has generated multi-six figures. She's now on track to reach Financial Independence by 45. She plans to move to Portugal and travel the world.
Delyanne shares why it’s important for women (and especially women of color) to start investing today...even if you still have student loans. She’s also sharing 3 actionable steps you can take today if you want to learn more about investing. If you’re a woman who wants to build wealth then you’ll love this episode!
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Links Mentioned:Grab Delyanne's Free Guide
Follow Delyanne on Instagram: @delyannethemoneycoach
Kara Perez is the founder of Bravely. Kara aims to bring accessible financial education to all. She shares her story of tackling her $25K in student loan debt on one income. Kara breaks down what financial fear is, how to identify it in yourself, and how to overcome it. She is also talking about the shame and guilt that comes with paying off debt.
If you feel like you don’t know how to solve one of your money problems or if you are completely stressed about money, then this episode is for you. Kara is leaving you with actionable tips on how to overcome financial fear.
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Links Mentioned:
Millennial Money Checklist
Bravely Go Website
Follow Kara on Instagram: @webravelygo
Wanting to take a vacation but not sure how to budget and save for it in advance? If so, you’re in the right place! I’m breaking down how my husband and I budgeted and saved for a 5-night vacation to Mexico this year. This is the exact process we’ve used for every vacation we’ve taken since 2015.
I’m also sharing some of the internal struggles with taking vacation versus saving money as well as whether or not we could have taken this type of vacation while we were in debt.
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Links Mentioned:
Excellence Playa Mujeres: Budget Breakdown
FREE Budgeting Basics Email Course
Latasha Peterson is the founder of Arts and Budgets. Latasha has mastered the art of making money with side hustles...and currently has EIGHT streams of income with her side hustle. She loves to help individuals increase their income, make passive income, and find side hustles to help them splurge a little.
Latasha also shares her journey on paying off $130,000 of student loans and credit card debt. Side hustles have played a big role in her debt payoff journey. If you are interested in starting a side hustle to help you pay off debt or earn extra spending money, then this episode is for you!
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Links Mentioned:
Free Side Hustle Starter Guide
Arts and Budgets Website
Follow Latasha on Instagram: @artsandbudgets
Chelsea Brennan is the founder of Smart Money Mamas. She is a hedge fund investor turned online entrepreneur that helps moms make their money work for them and embrace their ambitions, so they can live their fullest lives.
Chelsea is being open and honest about what aligning her choices and values looked like for her. Chelsea is also sharing some of the roadblocks that moms face when it comes to money. If you’re a mom, this episode is for you!
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Links Mentioned:
Listen to Smart Money Mamas Podcast
Smart Money Mams YouTube Channel
Smart Money Mamas Website
Follow Chelsea on Instagram: @smartmoneymamas
Merilee Speigner is the founder of Easy Budget. She focuses on financial education that is simple and easy to implement. Merilee is sharing her family’s story of paying off over $70,000 of student loans, credit card debt, and car debt. She is also sharing advice for anyone out there that is struggling to either get started with managing their finances or keeps giving up and starting over.
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Links Mentioned:
Easy Budget Website
Follow Merilee on Instagram: @easy_budget
Have you ever been hit with an unexpected expense that threw you off budget for the entire month? If so, then it’s time to set up sinking funds in your budget! Sinking funds can ultimately help save your sanity.
In this episode, I’m breaking down what sinking funds are, 3 types of sinking funds, how to add them to your budget, where to keep them, and why you will love them!
Want to learn more about sinking funds? Check out this guide here.
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Links Mentioned:
FREE Budgeting Basics Email Course
Caroline Vencil is a money-saving expert. Her family of 6 lives off one low income and she’s helping others find ways to save and live on less. Caroline shares how her view of money changed during her childhood and how she ended up living off $17,000/year as a new mom.
She shares how she navigated marriage and money troubles...and how one drastic move helped them finally work together as a team. If you’re struggling to get by with your money and finances then this is a must-listen!
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Links Mentioned:
CarolineVencil.com
Follow Caroline on Instagram: @carolinevencil
Today’s guest is Cinneah El-Amin, who shares how to travel hack while paying off debt. Just because you have debt doesn’t mean you can’t ever take a vacation or see the world. Cinneah breaks down how she turned her finances around while traveling this amazing world.
You’ll walk away with real tips to start travel hacking and offset the cost of your travel (without going into debt).
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InspiredBudget.com
Links Mentioned:
Glorious Gap Workbook
Follow Cinneah on Instagram: @fly.nanced
My guest and friend Sahirenys is sharing her story of being evicted from her home to paying off debt and building wealth. She shares how she has overcome money trauma from her childhood while creating a system that has helped her, and others manage their money better.
You’ll love Sahirenys’ story of resilience and how she bounced back from one of the toughest moments of her life.
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Links Mentioned:
The Poised Lifestyle Website
High Five Banking System
Follow Sahirenys on Instagram: @poisedfinancelifestyle
Have a spouse that’s not on board with budgeting, saving, or investing? You’re not alone! Getting 2 people on the same page when it comes to money can be complicated, but it’s not impossible. In this episode I’m breaking down 4 things you can do to try to get your spouse on board with managing your money better. Plus, I’m sharing bonus tips toward the end of the episode!
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If you’re ready to start investing, but you’re confused by terms like compound interest, mutual fund, and index fund then this episode is for you! Jeremy from Personal Finance Club is breaking down what an index fund is and why they are so popular among investors.
Join me and Jeremy on Tuesday, June 15th at 8PM ET for our free training on investing for beginners. Space is limited, so be sure to grab your spot here http://www.inspiredbudget.com/investing-training.
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Links Mentioned:
How To Invest For Beginners Free Training
Follow Jeremy on Instagram: @personalfinanceclub
Is frugality simply buying everything at the dollar store and reusing paper towels? My friend Jen shares a definition of frugality that I’ve never considered. She’s also sharing how frugality has changed the way her family sees items and how you can adopt frugality into your life as well. Jen is also the co-host of the Frugal Friends Podcast. Be sure to check out her podcast as well!
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Links Mentioned:
Modern Frugality Website
Follow Jen on Instagram: @modernfrugality
Today’s guest, Jamila Souffrant, is breaking down what financial independence is for the everyday person...and how anyone can reach financial flexibility. Jamila also shares how she left a job in corporate america to live a balanced life. While some people are living on nothing to help achieve financial independence, Jamila shares her journey to reaching money goals while still enjoying the process.
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Links Mentioned:
Follow Jamila on Instagram: @journeytolaunch
Journey To Launch Website
Check out Jamila’s Podcast: Journey To Launch
Do you ever spend money unplanned or based on emotions? Maybe you find yourself spending money because you’re mad, sad, glad, or stressed. If so, then this episode is for you! We’re breaking down WHY you’re struggling with impulse spending and how to conquer this pattern. You’ll walk away with real strategies you can put in place today so that you keep more of your money in your pocket.
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Links Mentioned:
Stop The Swipe: How To Conquer Impulse Spending
How To Build Wealth By Investing In Index Funds
If you’re working toward a big financial goal, whether you want to pay off debt or save $1 million for retirement, chances are likely you’ll lose steam along the way. In this first episode, Allison shares her family’s story of paying off over $111K of debt. She also offers 4 great tips on how to make progress with your money goals even when you want to give up along the way.
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FREE Training: How To Pay Off Debt When You Don’t Make A Fortune - http://inspiredbudget.com/freeclass
Join Allison Baggerly as she has real and inspiring conversations about how to help women live their best life and reach their money goals. Learn more about budgeting, saving money, paying off debt, and investing for your future. You’ll be hearing not only from Allison, but others along the way that have a story and voice to share. Subscribe for updates.