Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income – Details, episodes & analysis
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Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income
Erin Britt | Budget Strategy Coach
Frequency: 1 episode/9d. Total Eps: 120
It's time to break free from financial stress with simple, effective strategies designed for moms craving a method they can actually stick to! In this podcast, Budget Strategy Coach, Erin Britt, shares a 5-step monthly budgeting method that reduces overwhelm and helps you pay off debt, build wealth, and live abundantly. Whether you're struggling with impulse spending, relying on credit cards, or feeling too busy to budget, you'll find practical tips and mindset shifts to take control of your money.
Join a community of moms ready to align their spending with their values, plan for the future, and break free from the stress of paycheck-to-paycheck living. It’s time to budget smarter, enjoy life more, and move toward financial freedom—without sacrificing the things you love.
This is a debt podcast!
Topics we cover:
Foundational Budgeting Skills:
- How to create and stick to a budget, even with limited income.
- Simple, actionable steps to build a zero-balance budget each month.
Overcoming Impulse Spending & Credit Card Reliance:
- Strategies to control impulse buying and overspending.
- Breaking the cycle of using credit cards as income and paying off debt sustainably.
Budgeting for Busy Moms:
- Budgeting tips for real life - especially budgeting tips for busy moms
Intentional Living & Aligning Spending with Values:
- How to figure out your core values and create a value-based budget
- How to spend intentionally without sacrificing things you love.
- Aligning household routines and systems with financial goals.
Financial Preparedness & Saving for the Future:
- Building emergency funds and saving for bigger expenses with confidence.
- How to manage everyday expenses while planning for future goals like retirement, vacations or a home.
Self-Care & Financial Wellness:
- Prioritizing self-care to avoid burnout.
- Developing healthy habits for long-term financial success and balance.
Mindset Shifts for Financial Growth:
- Abundance mindset
- Embracing financial mistakes as opportunities for growth and grace.
Tracking Spending & Staying Accountable:
- Practical tools to track where your money goes and stay in control.
- The power of community and support systems
A note from Erin:
As a single mom and sole provider with no additional support, I paid off thousands of dollars in debt on a teacher’s salary. I know firsthand that it’s possible to take control of your finances, no matter your income or circumstances. My straightforward, foundational approach to budgeting simplifies the process, giving you the tools and confidence to manage your money effectively and build a secure financial future. If I could do it on my own, you can too—and I’m here to show you how.
*How can I pay off my debt?
*Is there an easy budget method?
*How can I simplify my household expenses?
*How can I pay down credit card debt?
*How can I stop relying on credit cards?
*How to start budgeting for beginners?
*How to budget on one income?
*How can I live within a budget?
*How do I write a budget?
*How do I spend less?
*How can I move forward financially?
*What if I don't have enough money to invest?
*How can I build wealth?
*How can my budget reflect my core values?
*How can I LIVE ABUNDANTLY on a budget?
*Is there someone out there who understands being a single mom that can help me with my finances?! :) I got you, girl.
Erin Britt is your host and can be found on Instagram (@budgeteffectpodcast)
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Publication history
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4 easy habits you NEED if you want to SAVE more money - Ep#82
jeudi 13 novembre 2025 • Duration 17:16
Unexpected bills? Kids’ expenses piling up? I get it. Even on my single-income teacher’s salary, I’m still saving money every month—and it’s because of these 4 simple habits.
In this episode, I’ll show you the easy, everyday things you can start doing to finally keep more of your money without cutting all the fun out of your life.
Simple habits. Real savings. You can do this.
🎉Grab your free Budget School JUMPSTART.
💪 Do you want my help? 💪
My budget course gives you the tools and guidance you need.
Let's connect:
Instagram @budgeteffectpodcast
Email hello@thebudgeteffect.com
Are you bad with money? Or is it THIS.... - Ep#81
mardi 4 novembre 2025 • Duration 18:41
Think your budget keeps failing because you’re “bad with money”? Nope.
It might actually be because you haven’t eaten enough kale… seriously.
In this episode, we pull back the curtain on all the non-money habits that impact your spending—your schedule, your energy, your clutter, your routines, and (yes) what’s happening in your fridge. You’ll learn why budgeting isn’t just tracking numbers; it’s about managing your life so you can follow your budget.
In this episode you’ll learn:
- Why your busy schedule might be sabotaging your money plan
- How clutter, stress, mental load, decision fatigue, and lack of sleep affect overspending
- The surprising connection between self-care (like eating kale) and sticking to a budget
- Why you might not need a new budgeting method—you might need a new habit
- How to identify the one thing that throws you off financially
You’ll walk away with:
➡️ Awareness of what’s really causing overspending
➡️ Permission to stop saying “I’m bad with money”
➡️ One simple habit to focus on that will get your budget back on track
Because sometimes sticking to your budget starts with taking care of the rest of your life.
🎉🎉🎉Stop wasting time and get started with your budget today! Click here for the FREE Budget Jumpstart.
💪 Do you want my help? 💪
My budget course gives you the tools and guidance you need.
Let's connect:
Instagram @budgeteffectpodcast
Email hello@thebudgeteffect.com
72// When Discontent Creeps In: How to Reset Your Mindset (and Your Money)
mercredi 30 juillet 2025 • Duration 24:30
🎉Grab your free Budget School JUMPSTART.
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
EP 10: How Minimalism Eased Overwhelm in My Single Mom Journey
mardi 29 août 2023 • Duration 23:49
Is your home supporting you in your life? Or is your home bringin’ you down?! It’s time to learn or relearn about minimalism and simplicity. It’s time to clear your path so you can move forward.
Erin supports Single Moms. She does that through simplicity strategies, money movement, and mindset work.
Connect with us on instagram @soulmothercommunity
Join the community by going to www.soulmothercommunity.com
Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut
Ep. 9: The Home Buying Journey: Thoughts and Considerations
mercredi 23 août 2023 • Duration 15:29
In this episode, Erin delves into her experiences and considerations during her home-buying journey. She shares insights on her search criteria and the key question that guided her: "Can I take care of it?"
Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work.
Connect with us on instagram @soulmothercommunity
Join the community by going to www.soulmothercommunity.com
Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut
Ep. 8: The true power of budgeting: My debt-free journey
mardi 15 août 2023 • Duration 16:52
This episode will motivate you to start or keep going on your own money journey. It's more than just money; truly living intentionally with every dollar can start the momentum in so many other areas of your life!
Sorry I got a little excited and I say a few "naughty words" during this episode. sh** and a**. My bad.
Get resources to help you with your money journey: www.soulmothercommunity.com/money
Erin supports Single Moms. She does that through simplicity strategies, money movement, and mindset work.
Connect with us on instagram @soulmothercommunity
Join the community by going to www.soulmothercommunity.com
Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut
EP 7: Back to School part 2 - Mindset for Smooth Transition
mardi 8 août 2023 • Duration 13:05
How can we make the transition back to school smooth? In this episode we discuss the step-by-step process for making the transition.
Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work.
Connect with us on instagram @soulmothercommunity
Join the community by going to www.soulmothercommunity.com
Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut
EP 6: Back to School part 1- Shopping with Intention
mardi 1 août 2023 • Duration 13:57
In this episode we chat about shopping with intention for school supplies and clothes. Erin also mentions other expenses to plan for coming up soon.
Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work. Connect with us on instagram @soulmothercommunity
Try the FREE Money Movement Jumpstart. www.soulmothercommunity.com/jumpstart
Join the community by going to www.soulmothercommunity.com
Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut
EP. 5 It's okay if your budget sucks right now
jeudi 27 juillet 2023 • Duration 18:17
In this episode Erin covers:
- 3 reasons people don’t start budgeting
- Many reasons people SHOULD start budgeting
- How to get started
Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work.
Need help getting started with your budget?
Join the BUDGET JUMPSTART CHALLENGE for free.
Connect with us on Instagram @budgeteffectpodcast
Join the community by going to www.thebudgeteffect.com
Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut
Questions or Comments? Send a text!
EP 4: How to Travel with Kids as a Single Mom (St. Louis edition)
mardi 18 juillet 2023 • Duration 36:38
Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work.
In this episode Erin discusses:
- Tips for long car trips with kids
- Budget friendly travel tips
- Setting your intention before a trip
- What she did with kids in St. Louis (19:42-31:38)
- and
- Yes! You can travel with kids as a single parent!
Connect with us on instagram @SoulMotherCommunity
Join the community by going to www.soulmothercommunity.com
Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut
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