79// How to Do Allowance! And other family money habits - with Emily Holthaus (Part 2)
Welcome to Part 2 of our KIDS and MONEY series. Here's a link to Part 1 - Episode 77. In this episode we cover: How to do allowance with your kidsHow to teach kids to be patient when they want somethingHow to budget with kids at any ageHow to help our children deal with marketing, consumption, and comparisonIt's filled with practical steps to helping your kids develop healthy money habits and mindsets! Give Emily a follow on Instagram @RaisingLittleMillionaires. Click to Send Fan Mail
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78// Are You an “If” or a “Because” with Your Money?
🎉Grab your free Budget School JUMPSTART.Ever notice how your thoughts about money shape your results? In this episode, Erin breaks down two powerful ways of thinking about your household money: “if” and “because.”Are you telling yourself:“I’ll stick to my budget if everything goes smoothly”?“I’ll save if there’s anything left over”?Or are you shifting toward:“I’ll stay consistent because I want freedom”?“I’ll save because it matters to my family’s future”?This small mindset shift changes everything. When you start leading with “because,” you stop waiting for perfect conditions and start creating the results you want — saving money, paying off debt, and building financial peace in your household.✨ In this episode, you’ll learn:The difference between “if” and “because” thinking (and how to spot yours)How your mindset affects consistency, savings, and debt payoffPractical examples to help you shift into “because” thinking this weekWhy your money follows your mindset🎯 Your challenge: Notice where you’re living in your “if” — and start stepping into your “because.”Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Click to Send Fan Mail
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77// 3 Money Mindsets to Teach to your Kids: Powerful and Practical! with Emily Holthaus from Raising Little Millionaires
In this episode, I sit down with Emily from @RaisingLittleMillionaires to talk about how to teach kids about money in practical ways. We’re already teaching them about money—whether we realize it or not—through our habits and conversations. Let’s do it better!We cover the 3 essential money mindsets to teach at home:Split it before you spend it – give kids real practice with saving and spending.Make spending hard and saving easy – set up guardrails like cash or prepaid cards, and automate savings when possible.Know where your money goes – teach kids to track their spending and review it regularly.This is part one of a 3 part series. For more practical tips from Emily, follow her on Instagram: @RaisingLittleMillionaires.Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Click to Send Fan Mail
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76// Move Your Money Forward: Protect It, Grow It, Use It
🎉Grab your free Budget School JUMPSTART.If you leave your money sitting in your checking account, it’s going to get spent — just like cookies left out on the counter.In this episode, I’ll share three powerful reasons you need to move your money forward.You’ll learn how moving money helps you protect it from impulse spending, make faster progress toward your goals, and be prepared when future needs or wants come up.Whether you’re paying off debt, saving for something big, or just trying to stay consistent, this episode will show you why where you put your money matters — and how to start moving it with purpose.Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Click to Send Fan Mail
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75// How to add a big expense to your already-tight budget
🎉Grab your free Budget School JUMPSTART.What do you do when you need to add a new expense but your budget already feels maxed out? Recently, I did just that.In this episode, I walk through the steps I took to make it work:Figuring out the true cost (monthly and yearly)Testing it in my budget and year planDeciding what categories I was—and wasn’t—willing to cutAdjusting amounts until everything fitIf you’ve ever tried to fit a new cost into your budget—whether that’s kids’ activities, a car payment, or higher rent—this process will help you approach it with clarity instead of stress.Episodes mentioned: 66// What is a Zero-Balance Budget? Plus 11 reasons it will work for you.26// How to budget for self-care | Building a sinking fund for your personal wants and needs53// Why I Hated a Yearly Budget (But You Might Love It!)Let's connect:Instagram @budgeteffectpodcastEmail [email protected] Click to Send Fan Mail
About Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income
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)
Listen to Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income, Take on Tomorrow and many other podcasts from around the world with the radio.net app
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