Advertise on podcast: Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single incom
Rating
4.7from
This podcast has
125 episodes
Language
EnglishPublisher
Erin Britt | Budget Strategy CoachExplicit
No
Date created
2023/04/04
Latest episode
2026/09/24
Average duration
21 min.
Release period
23 days
Description
It's time to break free from financial stress with simple, effective strategies designed for moms craving a method they can actually stick to! In this podcast, Budget Strategy Coach, Erin Britt, shares a 5-step monthly budgeting method that reduces overwhelm and helps you pay off debt, build wealth, and live abundantly. Whether you're struggling with impulse spending, relying on credit cards, or feeling too busy to budget, you'll find practical tips and mindset shifts to take control of your money. Join a community of moms ready to align their spending with their values, plan for the future, and break free from the stress of paycheck-to-paycheck living. It’s time to budget smarter, enjoy life more, and move toward financial freedom—without sacrificing the things you love. This is a debt podcast!Topics we cover:Foundational Budgeting Skills: How to create and stick to a budget, even with limited income.Simple, actionable steps to build a zero-balance budget each month.Overcoming Impulse Spending & Credit Card Reliance: Strategies to control impulse buying and overspending.Breaking the cycle of using credit cards as income and paying off debt sustainably.Budgeting for Busy Moms: Budgeting tips for real life - especially budgeting tips for busy momsIntentional Living & Aligning Spending with Values: How to figure out your core values and create a value-based budgetHow to spend intentionally without sacrificing things you love.Aligning household routines and systems with financial goals.Financial Preparedness & Saving for the Future: Building emergency funds and saving for bigger expenses with confidence.How to manage everyday expenses while planning for future goals like retirement, vacations or a home.Self-Care & Financial Wellness: Prioritizing self-care to avoid burnout.Developing healthy habits for long-term financial success and balance.Mindset Shifts for Financial Growth: Abundance mindsetEmbracing financial mistakes as opportunities for growth and grace.Tracking Spending & Staying Accountable: Practical tools to track where your money goes and stay in control.The power of community and support systemsA note from Erin:As a single mom and sole provider with no additional support, I paid off thousands of dollars in debt on a teacher’s salary. I know firsthand that it’s possible to take control of your finances, no matter your income or circumstances. My straightforward, foundational approach to budgeting simplifies the process, giving you the tools and confidence to manage your money effectively and build a secure financial future. If I could do it on my own, you can too—and I’m here to show you how.*How can I pay off my debt?*Is there an easy budget method?*How can I simplify my household expenses?*How can I pay down credit card debt?*How can I stop relying on credit cards? *How to start budgeting for beginners?*How to budget on one income? *How can I live within a budget? *How do I write a budget?*How do I spend less? *How can I move forward financially?*What if I don't have enough money to invest?*How can I build wealth?*How can my budget reflect my core values? *How can I LIVE ABUNDANTLY on a budget? *Is there someone out there who understands being a single mom that can help me with my finances?! :) I got you, girl.Erin Britt is your host and can be found on Instagram (@budgeteffectpodcast)
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Check latest episodes from Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single incom podcast
97// Investing: Know your options even if you aren't an expert
2026/09/24
In this episode, I’m joined by The Finance Girlies to talk about investing.
Emily and Cassidy share some common investing options, how and where they personally invest, and they answer my beginner level questions about investing.
Listen to the Finance Girlies Podcast
And get their newsletter here:
https://www.thefinancegirlies.com/newsletter
Need to get your finances in order first?
Start with my Household Money Clarity Plan. It's a great organizational tool that turns into your household money plan.
Disclaimer: This episode is for educational and informational purposes only and is not investment, financial, or tax advice.
Send Questions or Comments
Let's connect:
Email [email protected]
96//5 Things You Might Be Getting Wrong About Your Budget
2026/09/15
What if the way you think about managing your money is actually holding you back from getting the life you want?
5 common beliefs about money might be keeping you from having the money for what you really want. Let’s flip those beliefs. 🔥🔥🔥
🎉🎉Get organized and create a plan.
My Household Money Clarity Plan is an amazing tool that helps you get organized, figure out where you are starting, where you want to go, and what to do next.
Send Questions or Comments
Let's connect:
Email [email protected]
95// 3 tips to Improve your Budgeting Routine
2026/09/08
Has the busyness of life left your money disorganized, stressful, or out of control?
In this episode, we're talking about how to make budgeting a normal part of your household routine—not something you have to constantly start over. I'll share three simple shifts that can help you build a budgeting practice that works with real life.
If you'd like some help with your money, here are two ways I can help:
Get organized and create a plan.
My Household Money Clarity Plan helps you figure out where you are, where you want to go, and what to do next.
Get step-by-step help with your routine.
The Budget Effect Membership is where we work on the budgeting process month after month, so it becomes part of how you manage your household.
Send Questions or Comments
Let's connect:
Email [email protected]
94// How to Adjust Your Budget When the Cost of Living Goes Up
2026/07/21
Life is getting more expensive—but that doesn't mean you have to panic.
In this episode, I'm sharing the practical changes I'm making in my own budget and 7 ways you can adjust yours while staying focused on what matters most.
If money feels tighter lately, this episode will help you make intentional decisions instead of stressful ones.
🎉If you'd like some help with your money, here are two ways I can help:🎉
Get organized and create a plan.
My Household Money Clarity Plan helps you figure out where you are, where you want to go, and what to do next. It includes the Flexible Year Plan.
Get step-by-step help with your routine.
The Budget Effect Membership is where we work on the budgeting process month after month, so it becomes part of how you manage your household.
Send Questions or Comments
Let's connect:
Email [email protected]
93// What It Looks Like When Your Budget Actually Starts Working
2026/07/15
Have you started budgeting, but want to know what it's going to look like when it actually starts to work for you? Do you want to see how it gets easier over time?
In this episode, I'm walking you through what the journey of budgeting can look like, from creating your first budget to using those skills to create the life you want.
🎯 Ready to create a clear plan for your money?
The Household Money Clarity Plan will help you organize your finances, build a budget you can actually stick to, and start making confident money decisions. It also includes my Budget Effect Spreadsheet—the system I use and teach.
Get step-by-step help with your routine.
The Budget Effect Membership is where we work on the budgeting process month after month, so it becomes part of how you manage your household.
Send Questions or Comments
Let's connect:
Email [email protected]
92// How to Budget for the Life You Actually Want
2026/05/07
In this episode, I’m sharing 3 practical ways to make your budget about more than just paying the bills. We’ll talk about using your money to support the things you value, the lifestyle you want, and the goals that matter most to you.
If you’re tired of wondering where your money went and want a budget that reflects what you actually care about, this episode is for you.
🎉If you'd like some help with your money, here are ways I can help:🎉
Get organized and create a plan.
My Household Money Clarity Plan helps you figure out where you are, where you want to go, and what to do next.
Get step-by-step help with your routine.
The Budget Effect Membership is where we work on the budgeting process month after month, so it becomes part of how you manage your household.
Want a little money help in your inbox?
Join my email list for practical tips and ideas to help you manage your money and create the life you want.
Send Questions or Comments
Let's connect:
Email [email protected]
91// How to Build Money Habits That Stick (4 Science-Backed Strategies)
2026/04/21
You know what you should be doing with your money, but you just can’t seem to stick with it.
Maybe you start budgeting and fall off. You track your spending for a while, then stop. You know what you need to do, but you can’t seem to make it a habit.
You don’t need more motivation. You need habits that actually stick.
In this episode, I’m breaking down 4 science-backed strategies for building better money habits using research from neuroscientist Andrew Huberman.
💚Want to work on your money habits right along with me?
The Budget Effect Membership is where we work on your budget together each month, so managing your money becomes a regular part of your routine.
You don’t have to figure it all out on your own. We’ll work on it together, one month at a time.
Need a budgeting system?
The Household Money Clarity Plan gives you the tools you need to get started today.
📧Want a little money help in your inbox?
Join my email list for practical tips and ideas to help you manage your money and create the life you want.
Other Links:
Huberman Lab Podcast
Send Questions or Comments
Let's connect:
Email [email protected]
90// 3 Steps to Financial Stability in your Household
2026/04/14
We're breaking down 3 action steps to become and feel financially stable — without overcomplicating it or trying to do everything perfectly.
We’re focusing on the foundation:
Know your true spending number Build the right kind of savings Stay consistent with simple money check-ins
🎉Free Spending Audit - Click here!
Send Questions or Comments
Let's connect:
Email [email protected]
89// The 3 Parts of your Household Finances
2026/04/07
Money problems aren’t just one thing.
In this episode, I break down the 3 parts of your money system so you can finally figure out what’s actually holding you back—and what to do about it.
This episode is for you if:
You’ve made a budget… but it’s not working You feel stressed about money even when you should be okay You don’t know where your money is going You keep overspending, even when you don’t want to What you’ll walk away with:
A clear understanding of the 3 parts of your money system The ability to identify your exact problem area (instead of guessing) Simple next steps to start fixing it today More clarity, less stress, and a plan that actually makes sense 🎯 Your next step:
Pick ONE part of your money system to focus on this week—and take action.
Links mentioned in the episode:
🎉Grab your free Household Money Snapshot
🎉Free Spending Audit - click here!
If this episode helped you, I’d love to hear what stood out to you 💛
Send me a message or share it on Instagram!
Send Questions or Comments
Let's connect:
Email [email protected]
88// I'm back! Life update and what is to come.
2026/04/06
Life got busy, I hit burnout, and I built systems to get back on track.
I’m sharing my reset and what’s coming next—new episodes start Tuesday!
So glad you're here!
Let's connect:
Instagram: @budgeteffectpodcast
Email: [email protected]
Send Questions or Comments
Let's connect:
Email [email protected]
Make Better Money Decisions in 2026 with a Year Plan - Ep #87
2026/01/07
A year plan helps you zoom out and see all your money at once, not just month to month. When you do that, a few powerful things happen:
You gain clarity around what you’re actually capable of in a yearYou can set realistic goals for saving, investing, vacations, and self-careYou understand why money feels tight — and what to adjustIn this episode, I walk you through:
What a year plan is (and what it’s not)How to create one using your monthly numbersWhy it’s especially helpful if you’re draining savings or relying on credit cardsHow it improves decision-making and reduces stressWhy I hated my year plan at first — and why I’m so glad I stuck with itA year plan might give you a little discomfort at first — but on the other side is less stress, more freedom, and better decisions all year long.
Links to Old Episodes:
4 easy habits you need if you want to save money
53// Why I hated a Yearly Budget
FREE RESOURCES:
🎉Free Household Money Snapshot
🎉Free Spending Audit Spreadsheet and Directions
Let's connect:
Instagram @budgeteffectpodcast
Email [email protected]
Send Questions or Comments
Let's connect:
Email [email protected]
6 Questions for End of the Year Reflection with your Finances- Ep#86
2025/12/27
Thinking about new money goals — or just want to feel less stressed and more in control?
These 6 reflection prompts will help you reset your finances in a way that actually fits your life.
They’re not ONLY about crunching numbers (although we crunch a few).
They’re about making sure your money is working for your real life, your values, and the things that matter most.
Free Resources:
🎉Free Household Money Snapshot
🎉Free Spending Audit Spreadsheet and Directions
Send Questions or Comments
Let's connect:
Email [email protected]
Progress over Perfection with Your Household Finances - Ep#85
2025/12/16
Do you feel like budgeting only “works” when life is calm and organized?
In this episode, we’re talking about why consistency matters more than perfection — and how to keep moving forward with your money even when life feels messy.
I walk you through the three core habits of a solid budget routine and what consistent (not perfect) action actually looks like in real life:
Setting up your zero-balance budget — even if you’re late or behindTracking your spending so you know what’s working (and what’s not)Moving money toward your goals — even if it’s just a few dollarsYou’ll learn how these small, repeatable actions help you:
Reduce stress and money anxietyGet out of survival mode and into progressBuild momentum toward savings, debt payoff, and future goalsYou don’t need to do this perfectly.
You just need to keep showing up.
🎉Free resource🎉: Grab the Household Money Snapshot — the exact tool I use with my clients to help them get their finances organized and set up a zero-balance budget. Click Here.
💪 Do you want my help? 💪
My budget course gives you the tools and guidance you need. Click Here.
Let's connect:
Instagram @budgeteffectpodcast
Email [email protected]
Send Questions or Comments
Let's connect:
Email [email protected]
The 3 Habits You Need in Your Household Budget Routine - Ep#84
2025/12/12
Do you want to feel more in control of your household finances?
In this episode, I’m giving you the 3 habits that make budgeting easier, calmer, and more consistent. This episode walks you through the three simple habits that keep your budget running smoothly—just like a good morning routine.
These habits are the foundation of a budget you can actually stick to, even when life feels busy or chaotic.
Other episodes mentioned in the show:
More on creating "buffers" in your budget: 🎧 Episode 69: Do you have to be 'Type A' to budget?Routine Habit 3: 🎧Episode 73: How to plan ahead in your budget🎉Free guide🎉
Want a clear picture of your household finances? Grab my free Household Money Snapshot
💪 Do you want my help? 💪
My budget course gives you the tools and guidance you need.
Let's connect:
Instagram @budgeteffectpodcast
Email [email protected]
Send Questions or Comments
Let's connect:
Email [email protected]
Overspending? Batch These 4 Things - Ep#83
2025/11/18
If you’re tired of overspending — whether you never stick to your plan or you blow your budget on random Tuesday trips — this episode gives you four simple “batching” strategies to keep your spending under control.
You’ll learn how to batch:
Monthly essentials so you stop making extra trips (and extra purchases).Seasonal clothing so you only buy what you truly need.Gift giving (holidays + kid birthdays) so you stop forgetting what you already bought.Groceries so you avoid impulse buys and over-the-top shopping.Batching helps you spend on purpose instead of on autopilot — giving you more freedom, less stress, and money for what matters most.
🎉Grab your free Budget School JUMPSTART.
💪 Do you want my help? 💪
My budget course gives you the tools and guidance you need.
Let's connect:
Instagram @budgeteffectpodcast
Email [email protected]
Send Questions or Comments
Let's connect:
Email [email protected]
Podcast reviews
Read Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single incom podcast reviews
Beckster21388 2026/07/21
Relatable
Erin is down to earth and real, and episodes give me easy to implement ideas.
going app! 2026/03/15
Life changing!
This show has changed my way of thinking about budgeting! I love her optimism, and encouragement. I’ve learned so much! My financial goals are working...
lexi7056 2025/09/17
So inspiring!
I have spent a lot of my teen years trying to budget properly (with a highschool income), and now that I’m graduated and working full time as well as ...
Xajnsgjsb 2025/09/12
Money stress
Since I stated this podcast I have been budgeting right and have been saving a good chunk of money to save for a car in hopes to buy it in cash
StarChaset 2025/07/11
Budget from a type A and Type B perspective
I was watching for something meaningful to listen to while I do my routine things. Erin’s podcast was on point.
Bellasfan! 2025/07/08
Budget made easy!
Love how Erin explains everything! She walks you step-by-step in a non-judgmental manner. She is very relatable, I am also a type B person and love ho...
Steph MJ 2025 2025/06/12
Life changing!!
Thank you for your time a knowledge to help with a life changing budget plan!
Hazel_831 2025/01/22
I love this podcast🫶🏽
She doesn’t just explain what to do to budget but she tells you how to feel how to think towards your money and that’s really what I need I feel like ...
Jltruman 2025/01/13
Such Great Tips
Learning to budget successfully is hard especially when you have kids. Erin has some incredible tips to help budget successfully without feeling over...
Jitsie Listens 2025/01/07
Love a Listicle
I’ve only listened to one episode so far, and am ready to open up to more. The one I was introduced to was a “6 Tips” list episode. I love bite sized ...
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