Welcome to Part 2 of our KIDS and MONEY series.

Here's a link to Part 1 - Episode 77.

In this episode we cover:

• How to do allowance with your kids
• How to teach kids to be patient when they want something
• How to budget with kids at any age
• How to help our children deal with marketing, consumption, and comparison

It's filled with practical steps to helping your kids develop healthy money habits and mindsets!

Give Emily a follow on Instagram @RaisingLittleMillionaires.

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🎉Grab your free Budget School JUMPSTART.

Ever notice how your thoughts about money shape your results? In this episode, Erin breaks down two powerful ways of thinking about your household money: “if” and “because.”

Are you telling yourself:

• “I’ll stick to my budget if everything goes smoothly”?
• “I’ll save if there’s anything left over”?

Or are you shifting toward:

• “I’ll stay consistent because I want freedom”?
• “I’ll save because it matters to my family’s future”?

This small mindset shift changes everything. When you start leading with “because,” you stop waiting for perfect conditions and start creating the results you want — saving money, paying off debt, and building financial peace in your household.

✨ In this episode, you’ll learn:

• The difference between “if” and “because” thinking (and how to spot yours)
• How your mindset affects consistency, savings, and debt payoff
• Practical examples to help you shift into “because” thinking this week
• Why your money follows your mindset

🎯 Your challenge: Notice where you’re living in your “if” — and start stepping into your “because.”

Let's connect:

Instagram @budgeteffectpodcast

Email hello@thebudgeteffect.com

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In this episode, I sit down with Emily from @RaisingLittleMillionaires to talk about how to teach kids about money in practical ways. We’re already teaching them about money—whether we realize it or not—through our habits and conversations. Let’s do it better!

We cover the 3 essential money mindsets to teach at home:

1. Split it before you spend it – give kids real practice with saving and spending.
2. Make spending hard and saving easy – set up guardrails like cash or prepaid cards, and automate savings when possible.
3. Know where your money goes – teach kids to track their spending and review it regularly.

This is part one of a 3 part series.

For more practical tips from Emily, follow her on Instagram: @RaisingLittleMillionaires.

Let's connect:

Instagram @budgeteffectpodcast

Email hello@thebudgeteffect.com

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🎉Grab your free Budget School JUMPSTART.

If you leave your money sitting in your checking account, it’s going to get spent — just like cookies left out on the counter.

In this episode, I’ll share three powerful reasons you need to move your money forward.

You’ll learn how moving money helps you protect it from impulse spending, make faster progress toward your goals, and be prepared when future needs or wants come up.

Whether you’re paying off debt, saving for something big, or just trying to stay consistent, this episode will show you why where you put your money matters — and how to start moving it with purpose.

Let's connect:

Instagram @budgeteffectpodcast

Email hello@thebudgeteffect.com

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🎉Grab your free Budget School JUMPSTART.

What do you do when you need to add a new expense but your budget already feels maxed out? Recently, I did just that.

In this episode, I walk through the steps I took to make it work:

• Figuring out the true cost (monthly and yearly)
• Testing it in my budget and year plan
• Deciding what categories I was—and wasn’t—willing to cut
• Adjusting amounts until everything fit

If you’ve ever tried to fit a new cost into your budget—whether that’s kids’ activities, a car payment, or higher rent—this process will help you approach it with clarity instead of stress.

Episodes mentioned:

66// What is a Zero-Balance Budget? Plus 11 reasons it will work for you.

26// How to budget for self-care | Building a sinking fund for your personal wants and needs

53// Why I Hated a Yearly Budget (But You Might Love It!)

Let's connect:

Instagram @budgeteffectpodcast

Email hello@thebudgeteffect.com

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🎉Grab your free Budget School JUMPSTART.

📋 BUDGET SCHOOL coming soon.

When I launched The Budget Effect podcast, I started with four powerful effects of budgeting that completely transformed my life and finances. A year and a half later, do I still stand by them? Spoiler alert: yes—but I’ve also discovered even more life-changing benefits along the way.

In this episode, I’m reflecting on what happens when you go beyond “just paying bills” and step into intentional money management with a zero-balance budget. We’ll talk about:

• Why your money actually goes further when you budget (and how to avoid feeling limited).
• How budgeting not only helps you reach goals—but also clarifies what goals matter most.
• The way budgeting uncovers your true core values and allows you to live more intentionally.
• Why confidence, peace, and joy grow as you gain control of your money.
• And the surprising ripple effects budgeting has on your household routines, organization, and even stress levels.

If you’ve ever wondered what a budget could really do for your life beyond dollars and cents, this episode will encourage you to see it as the foundation for freedom, stability, and joy.

Let's connect:

Instagram @budgeteffectpodcast

Email hello@thebudgeteffect.com

Click to Send Fan Mail

🎉Grab your free Budget School JUMPSTART.

📋 BUDGET SCHOOL coming soon.

Are you only thinking about right now when you budget—just making it through the week or the month? Or maybe you’re swinging the other way, thinking about retirement decades from now but not sure how you’ll cover next season’s expenses.

In this episode, I’m introducing you to something I call the Ladder of Future Thinking—a simple way to look ahead in your budget without feeling overwhelmed. I’ll walk you through how to plan for:

• Within the month: Making adjustments so your budget actually works
• Season to season: Saving for the things you know are coming
• Year to year: Preparing for annual expenses and big goals
• Multiple years ahead: Setting yourself up for stability, freedom, and less stress

Because budgeting isn’t just about being organized—it’s about creating stability, building wealth, and having the freedom to say “yes” when you want to.

Let's connect:

Instagram @budgeteffectpodcast

Email hello@thebudgeteffect.com

Click to Send Fan Mail

🎉Grab your free Budget School JUMPSTART.

📋 BUDGET SCHOOL coming soon.

Ever find yourself in a low-vibe state —you’re frustrated with your progress, comparing yourself to others, or tempted to spend money just to feel better? You’re not alone, and you don’t have to stay stuck.

In this episode of The Budget Effect, we’re talking about what to do when discontent creeps in—especially when it’s tied to money, material things, or not being as far along as you thought you’d be by now. I share my own recent experience with feeling uninspired and how I turned things around, along with 4 practical steps you can use to reset your mindset and your money habits.

Here’s what you’ll learn:

• Why discontent shows up (even when you’re normally grounded and grateful).
• How comparison and external pressure can derail your mindset and your budget.
• 4 ways to shift out of a low-energy state

If you’ve been feeling off, frustrated, or just “bleh,” this episode will help you feel lighter, more intentional, and more in control of your money and your mindset.

Let's connect:
Instagram @budgeteffectpodcast
Email hello@thebudgeteffect.com

Click to Send Fan Mail