16 | How to Budget Without Restriction & Transform Your Relationship With Money

When most people think about budgeting, they think about saying “no” to the things that bring them joy: their daily Starbucks run, getting their nails done, brunch with friends. But when you restrict your spending at the expense of your happiness, you set yourself up for an unhealthy relationship with money. That’s why I teach budgeting without restrictions. Today, I’m walking you through my five-step process for budgeting without restrictions and creating a healthy, happy relationship with your money. I’m sharing how we’ll use this process to create a spending plan that aligns with your desires, and I’m also sharing some of the incredible results my clients have achieved in just a few months of working with me. In this episode, you’ll learn... How transforming your relationship with money goes way beyond budgeting [1:36] The four most common thought errors my clients struggle with and how to recognize them in your own mindset [6:45] How your financial life affects your mental health and self confidence [9:25] Why your current system for improving your finances isn’t working [11:08] How to use my five-step process to transform your relationship with money [14:27] Why it’s important to ask yourself simple questions about your money and your desires [20:38] How an aligned spending plan is key to releasing yourself from money guilt and stress [21:36] Why budgeting isn’t about math, but instead about your wants and needs [23:55] Why it’s important to spend quality time looking at your numbers and making adjustments [37:13] How we’ll reframe the thoughts you have about money and build your money confidence [38:35] Why this five-step process works for everyone, even those who don’t have a traditional job or paycheck schedule [40:38] How this five-step process can help couples learn to manage and talk about money together [45:37] How to know when it’s time to start improving your financial situation [48:27] Tune in to this episode to learn my five-step process for budgeting without restriction and transforming your relationship with money. Get full show notes and the episode transcript: https://wealthovernow.com/how-to-budget-without-restriction-transform-your-relationship-with-money/ Links mentioned in this episode… Listen to Brent’s episode about how he negotiated an $18k raise Listen to Damon’s episode about breaking the paycheck-to-paycheck cycle Listen to Karen’s episode about rebuilding her financial foundation Listen to Jackie’s episode about setting and reaching financial goals Listen to Taviana’s episode about her 30-day money transformation