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Inspired Budget (Allison Baggerly)

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Pub. DateTitleDuration
10 Feb 2022#040: STOP Believing These Money Lies00:21:12

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





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17 Feb 2022#041: Travel Hacking Family Vacations with Aunt Kara00:36:15

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 

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24 Feb 2022#042: How To Develop Self Discipline With Money00:21:16

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


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03 Mar 2022#043: Budgeting Vs. Tracking with Joe Saul-Sehy00:39:53

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

You Might Like:


10 Mar 2022#044: How To Stick To Your Budget00:21:59

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

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17 Mar 2022#045: Inspiring Better Conversations About Money with Julien & Kiersten Saunders00:40:58

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:

Links Mentioned: 

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24 Mar 2022#046: Managing Your Money When You Have Depression & Anxiety00:29:31

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: 

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31 Mar 2022#047: Recovering From Financial Abuse with Lauren Gruetman00:47:22

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

Resources

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07 Apr 2022#048: My Secret Budget Tip That Leads To Success00:23:55

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

You Might Like:


14 Apr 2022#049: How Chris Paid Off $27,000 Of Credit Card Debt00:35:31

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!

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21 Apr 2022#050: 5 Money Mistakes I Wish I Had Avoided00:24:30

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 

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28 Apr 2022#051: Budgeting for Baby with Kelly Anne Smith00:28:42

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:

Links mentioned:

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05 May 2022#052: Lessons I Learned From Paying Off Debt00:25:04

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!

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12 May 2022#053: Cindy's $215,000 Debt Payoff Story00:28:44

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!

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19 May 2022#054: Controlling Your Summer Spending00:23:49

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!

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26 May 2022#055: Getting Your Home and Money Organized with Christina Hidek00:40:50

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!

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02 Jun 2022#056: How To Fix Overspending00:20:28

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!

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09 Jun 2022#057: Easy Investing Tips with Chloe Daniels00:31:18

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!

You Might Like:


16 Jun 2022#058: Understanding Your Credit Score and 6 Tips To Raise Your Score00:24:14

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!

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23 Jun 2022#059: Legitimize Your Business Idea with Janet LeBlanc00:33:38

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!

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30 Jun 2022#060: The Hidden Costs of Home Buying00:25:17

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!

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07 Jul 2022#061: Battling Imposter Syndrome with Bola Sokunbi00:37:12

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!

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14 Jul 2022#062: How We Travel Hacked Our Family Vacation00:31:16

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!

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21 Jul 2022#063: Building Generational Wealth with Marc Russell00:42:12

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

Resources
Free Debt Free Roadmap
Get the full show notes here on the blog!

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28 Jul 2022#064: How To Handle Impulse Spending With Credit Cards00:17:18

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!

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04 Aug 2022#065: Why Giving $5 Can Make A Difference with Andi Thieman00:25:08

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


Resources
Free Budgeting & Debt Payoff Cheat Sheet
Get the full show notes here on the blog!

You Might Like:


11 Aug 2022#066: You Asked! Here's a Life Update!00:25:33

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 Depression
Loving What Is by Byron Katie
Free Budget Class
Get the full show notes here on the blog!

You Might Like:


18 Aug 2022#067: The Only Way To Pay A Medical Bill With Dr. Virgie Ellington00:41:32

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!


You Might Like:


25 Aug 2022#068: How I Built My Business and Quit My 9-5 Job00:33:00

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! 

You Might Like:


01 Sep 2022#069: Paying Off Debt with Kendra Gonzales00:24:39

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! 

You Might Like:


08 Sep 2022#070: Ways for Teens To Make Money00:15:34

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! 

You Might Like:


15 Sep 2022#071: Battling Inflation Costs with Nicole Lapin00:20:31

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:

You Might Like:


22 Sep 2022#072: How To Conquer Impulse Spending00:27:33

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


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29 Sep 2022#073: Build Wealth on a Teacher's Salary with Israel and Sunem Tovar00:27:41

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

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06 Oct 2022#074: How To Move Forward With Your Money After Separation Or Divorce00:18:24

"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

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13 Oct 2022#075: How To Make Money As A Virtual Assistant with Abbey Ashley00:28:24

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:


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20 Oct 2022#076: How To Save And Budget For Christmas00:20:04

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: 

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27 Oct 2022#077: Buy This, Not That with Sam Dogen00:30:07

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:

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03 Nov 2022#078: Does Having Debt Mean You're Bad With Money?00:14:13

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. 

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10 Nov 2022#079: Simplifying Your Wardrobe To Save Money with Deanna Yates00:34:13
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 

Links Mentioned

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17 Nov 2022#080: Pet Insurance: Is It Worth It?00:18:43

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!



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24 Nov 2022#081: How Money Impacts Our Emotions with Marsha Barnes00:30:05

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

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08 Dec 2022#083: How to Prepare Your Finances for Entrepreneurship with Cindy Zuniga-Sanchez00:29:46

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:

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01 Dec 2022#082: Your Top Investing & Retirement Questions Answered00:18:51

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:

1. Where do I start when it comes to investing? It seems so complicated

2. How do I get over my fears that I will lose money?

3. How do I start investing with a small amount of money?

4. What happens to my 401(k) if I leave my job?

5. Can I invest even if I have debt?

6. 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

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15 Dec 2022#084: Budget and Money Tips That Everyone Should Know - Especially Beginners00:23:39

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. 

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22 Dec 2022#085:Your Student Loan Repayment Options with The College Investor00:31:21

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


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27 Dec 2022Bonus Episode: Do you have a spending problem or an income problem?00:07:37

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!

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28 Dec 2022Bonus Episode: How to transform your relationship with money00:09:39

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. 

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29 Dec 2022#086: How To Set Values-Based Goals For The New Year00:25:06

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

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05 Jan 2023#087: Negotiate Your Way To Wealth with Mandi Woodruff-Santos00:38:33

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 Mentioned
The Just Quit ToolKit
Nail the Negotiation

Follow Mandi! IG @mandimoney | Tiktok @maaandymoney | Twitter @mandiwoodruff

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12 Jan 2023#088: Ask Matt - Reluctant Spouses, Family Financial Involvement, & Supporting A Spender00:36:13

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"

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19 Jan 2023#089: Becoming a Money Activist with Tanja Hester00:35:31

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

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26 Jan 2023#090: Easy Ways To Save More Money In 202300:21:37

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!

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02 Feb 2023#091: Why We're So Weird About Money With Paco de Leon00:36:44

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!



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09 Feb 2023#092: How To Deal With Unexpected Expenses & Emergencies00:30:05

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?

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16 Feb 2023#093: Your Man Is Not a Financial Plan with Amanda Holden00:37:24

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

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23 Feb 2023#094: 3 Money Rules I No Longer Live By (#3 Might Shock You!)00:18:10

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!

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01 Mar 2023#095: The Illusion of Success: Why Reaching Your Goals Won't Bring Lasting Happiness with Katie Gatti00:36:34

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

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09 Mar 2023#096: Discovering Your Catalyst for Financial Transformation00:15:08

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! 


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16 Mar 2023#097: Creating a Career You Love with Kelli Thompson00:30:28

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 

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23 Mar 2023#098: 3 Money Habits You Need To Start Now00:19:17

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!! 

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30 Mar 2023#099: What To Do If You Get Laid Off With Jesse Mecham00:34:10

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



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06 Apr 2023#100: A Personal Life & Business Update00:21:57

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! 

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13 Apr 2023#101: Rethinking Generational Wealth with Chris Browning00:08:47

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

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20 Apr 2023#102: How To Prioritize Your Money When You're Overwhelmed00:14:42

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!

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27 Apr 2023#103: Service Industry Tips: How to Master Your Money When Your Income Fluctuates With Barbara Sloan00:40:40

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:

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18 May 2023#106: Summer Spending Tips: How To Not Spread Yourself Too Thin00:14:32

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! 

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04 May 2023#104: My Favorite Travel Hacking Card00:28:44

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:

  1. Fly free to Canada (round trip) for a family of 4
  2. Pay for a 5-day car rental on vacation
  3. Pay for our hotel stay in downtown Vancouver
  4.  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:

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11 May 2023#105: Debt is...neutral?00:37:15

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: 

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25 May 2023#107: How To Make your Kids A Millionaire with Andy Hill00:32:04

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

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01 Jun 2023#108: How To Help Our Kids Develop Healthy Saving & Spending Habits00:21:06

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! 

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08 Jun 2023#109: Launching Financial Grownups with Bobbi Rebell00:31:10

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

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15 Jun 2023#110: How To Stop Comparing Your Summer To Others00:20:47

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!

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22 Jun 2023#111: Overcoming Financial Trauma With Suni Rao00:34:33

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!

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29 Jun 2023#112: The 4 Principles of Successful Budgeting00:27:33

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.

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06 Jul 2023#113: Navigating Financial Conversations in Relationships with Elle Martinez00:32:16

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

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13 Jul 2023#114: Deconstructing Student Loans: Your Ultimate Guide to Surviving Their Looming Return00:20:57

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. 

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20 Jul 2023#115: From Tragic Loss to Financial Resilience: Jen Narciso's Journey00:32:13

**Trigger Warning: In this episode we are discussing topics that involve grief, loss, and the passing of a child. This can be particularly sensitive to some listeners who may have experienced similar losses or are currently going through a challenging period. If you feel this might bring up difficult emotions, please listen with care or consider revisiting this episode at a time that feels right for you.** 

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

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27 Jul 2023#116: Resisting the Temptation to Overspend: Mindful Money Management Strategies00:15:03

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!

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03 Aug 2023#117: Financing the Future: How Yanely Espinal Champions for Money Management in Schools00:31:19

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

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10 Aug 2023#118: This is Awkward Preview - Luxury vs Necessity: Making Choices in Spending00:35:47

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!

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17 Aug 2023#119: Unlocking Your Income Potential: Discovering Alternative Careers Paths With Kahlie Welch00:34:32

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! 

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24 Aug 2023#120: Is Investing While Paying Off Debt Possible?00:16:41

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!

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31 Aug 2023#121: Abundance Mindset: How Jen Ruiz Swapped Her Law Career for Global Adventures00:36:38

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!

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07 Sep 2023#122: Redefining Your Relationship with Money: Transitioning from Scarcity to Abundance00:16:21

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!

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14 Sep 2023#123: Cooking Your Way to Savings: Strategic Meal Planning with Erin Chase00:33:26

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)


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21 Sep 2023#124: How Our Family Uses Cash Envelopes (12 Years Later)00:20:16

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!

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28 Sep 2023#125: Turning Fear into Financial Power with Farnoosh Torabi00:43:08

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

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05 Oct 2023#126: What I Wish I Knew About Money In My 20s00:21:10

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.

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12 Oct 2023#127: Transforming Your Personal Finances: From Debt to Abundance with Rachel Luna00:39:33

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!

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19 Oct 2023#128: How to Balance a Budget and a Busy Life00:21:02

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!

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26 Oct 2023#129: How Switching Jobs Can Change Your Life with Fernanda Carnavan00:30:39

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/

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02 Nov 2023#130: How to Avoid Impulse Spending During The Holidays00:16:57

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

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09 Nov 2023#131: Bernadette Joy's Path from $300,000 Debt to $1 Million Net Worth00:38:32

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

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16 Nov 2023#132: How To Handle Unexpected Expenses00:24:12

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. 

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23 Nov 2023#133: Walli Miller's Steps to Financial Consciousness and Freedom00:27:04

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

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30 Nov 2023#134: Building Self Control To Reach Your Money Goals00:21:43

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!

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07 Dec 2023#135: Turning Fear Into Financial Control: Erika Cruz's Inspiring Story00:25:00

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

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14 Dec 2023#136: Effective Money Strategies When Everything Costs More00:25:41

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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21 Dec 2023#137: Balancing Finances and Values in Relationships with Karina F Daves00:31:26

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

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