Inspired Budget

Are your financial goals often derailed by a lack of self-control? Ever wondered why your brain fixates on the immediate rush of impulsive buying instead of the long-term satisfaction of financial security? Don't worry, you're not alone! It's a common struggle, tied to the reasons behind our shopping habits. This episode is all about unpacking this challenge and providing practical steps to improve self-control and regain control over your spending habits.We'll tackle topics like the danger of justifying one-time exceptions, how these small indulgences become a snowballing financial strain, and how to avoid this pitfall. We'll share personal experiences and success stories, along with proven strategies for setting clear, achievable goals. The focus is on setting boundaries, resisting temptation, and the essential role of a supportive accountability system. So come join us, let's take control of our financial journey together. Remember to share your key takeaways and goals with us on Instagram at @inspiredbudget and let's overcome our financial struggles together!You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Ever 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 WebsiteFollow her on InstagramYou Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Unexpected expenses can cause a spiral of stress and uncertainty, but what if you could manage them without losing your peace of mind? This episode is all about understanding the concept of an emergency fund, the key to staying afloat in turbulent financial waters, and how our brains often react counterintuitively when an unexpected expense arises. We'll be exploring the art of budgeting, the secret weapon against unforeseen expenses. Learn about the significance of having a miscellaneous budget category, a buffer that could prove to be your financial savior and why ensuring the right insurance coverage can save you from sleepless nights. I'll shed light on how to create this 'buffer' in your budget and guide you on the right amount to allocate to prevent debt when life throws curveballs.Let's change the way we view unexpected expenses by cultivating the right mindset. The philosophy of an emergency fund will be our focus, its role in maintaining our financial balance and how it helps reduce stress in tricky situations. Throughout the episode, I'll be sharing stories from my personal journey, offering you valuable insights into effective financial management. This episode is a must-listen for anyone striving to gain control over their finances and turn unpredictable expenses into manageable events. You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

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 WebsiteGet Bernadette Joy's Free Money GuideFollow Bernadette on Instagram: @berndebtjoyYou Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Are you 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 PrintablesYou Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Ever felt like you're working way too hard, but not getting paid nearly enough for your efforts? Our guest for today, Fernanda Carnavan, a Latina money and career educator, has been there. Fernanda, the creator of the platform Relentless Latina, takes us through her journey of grit and resilience where she went from being underpaid and overworked to valiantly claiming her worth. She talks about her experience with the phenomenon of "quiet promotions" in male-dominated fields and provides practical tips on how to spot and tackle such situations.Fernanda's narrative goes deeper as she details her experiences with gender inequality in the workplace. The relocation to a new state with no salary hike and the realization of being underpaid led her to advocate for herself fiercely. She shares her insights and advice for others going through the same ordeal, empowering them to not settle for less than they deserve. We also touch upon Fernanda's passion project, Relentless Latina, a platform she created to empower Latina women in their career and financial journeys. Fernanda's journey is an empowering testament to the power of self-worth and resilience. Fernanda's story is not just her own, but a tale of strength and determination that could inspire anyone to take control of their career and finances.Visit Fernanda's Website Relentless Latina https://relentlesslatina.com/Follow Fernanda on Instagram https://www.instagram.com/relentless.latina/You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Ever feel like your budget is a monstrous task that just can't fit into your already bursting schedule? I hear you, and today, we're going to tackle this beast together.I'm gifting you five practical steps to integrate budgeting into your life without feeling overwhelmed. Let's redefine budgeting as an essential part of your routine and set a specific money day each month to manage your finances. Together, we'll figure out how to squeeze budgeting into your hectic schedule and secure a financially stable future.But we're not stopping there. The second half of today's episode is dedicated to all the multitaskers out there striving to balance their budget amidst a bustling life. Learn how time-blocking your day, seeking support, and celebrating small victories can make budgeting a priority amidst a busy life. Let's walk this path together, finding ways to make budgeting work amidst the chaos. Remember, it's not about finding spare time; it's about making time for what matters. So, let's get to it!You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Do you ever feel like your personal finances are a mystery you'll never solve? What if you could completely reframe your thinking about debt and wealth building? In a riveting conversation with the brilliant Rachel Luna, a renowned international speaker, certified master neuroscience coach, and bestselling author, we uncover the transformative power of rethinking our personal finances.Rachel's journey is one of resilience and grit, overcoming adversity to become the influencer she is today. She generously shares her personal experiences, insights, and strategies, drawing from her empowering book, "Permission to Offend." This book is a beacon for women, particularly mothers, nudging them towards a life of authenticity and abundance. Rachel's insights are steeped in empathy, and she underscores the importance of daily self-check-ins, a crucial step towards acknowledging our inherent value, independent of our bank account or net worth. In our exploration of personal finance management, we challenge old habits and mindsets, particularly those influenced by trauma. Rachel's candid discussions about overcoming debt, not once, but twice, are particularly enlightening. She offers a fresh perspective on how to navigate the feelings of shame, guilt, and blame that often accompany debt. With her valuable insights and actionable advice, you'll learn how to reframe your own narrative about money and debt. So, ready to transform your personal finances and live a life of abundance? Listen in!Amazon Affiliate Link for Rachel’s Book: https://amzn.to/3NWLkjcYou Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Ever felt overwhelmed by fear of debt, to the point where it's clouded your perception of yourself? You're not alone. My own dread of debt kept me credit card free throughout my 20s and shaped an unsettling narrative of personal worth tied to financial debt. In this engaging episode, we'll redefine debt, not as 'good' or 'bad', but as  neutral that, when understood and handled strategically, can be a powerful tool irrespective of your age or stage in life.Retrospective insights from my 20s form a significant part of the discussion; from the pressure of maintaining a 'fashionable' image to learning the art of declining unnecessary expenses. Remember wanting that swanky apartment but couldn't afford it? I had the same desire, but chose a budget-friendly apartment instead – a decision that has paid off. Whether you're just starting out on your financial journey, or seeking to improve your financial knowledge later in life, this episode's candid anecdotes and valuable advice are sure to equip you with a fresh perspective on debt and the importance of saving for retirement.You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Ready to 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.comOn Instagram: @farnooshtorabiYou Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!