Inspired Budget

There was a time I avoided looking at my bank account because I was scared of what I’d see. In this episode, I’m sharing five real changes that helped me finally feel in control of my money. Two are mindset shifts that changed how I think about money, and three are simple actions that made managing it feel easier and less overwhelming.We talk about removing shame from your finances, paying yourself first, checking in with your money weekly, automating the boring stuff, and auditing subscriptions that quietly drain your account. These are practical habits that don’t require perfection, just consistency.And on a personal note, this will be my final podcast episode for now. Thank you for being here and for letting me be part of your money journey.Links Mentioned:Sign up for my email newsletterInspired Budget YouTube ChannelFollow on InstagramFollow on TikTokFollow on FacebookYou 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!

This week on the Inspired Budget Podcast, Justine Nelson from Debt Free Millennials joins me to talk about the emotional side of money. We get into mom guilt, comparison, spending to relieve stress, and why so many women feel like they should be further along financially.Justine also walks me through a simple game from her coaching program called “I’m the Protagonist,” where you can play along and see where you feel confident with money and where you might still be holding back.It is a helpful episode if you are working on building financial self-trust and healthier habits.Links Mentioned:Debt Free Millennials YouTubeDebt Free Millennials WebsiteYou 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!

If you’re paying on your debt every month but still not seeing progress, this episode breaks down why. I explain exactly how debt consolidation works, the two most common ways people do it, and what to watch out for before deciding if it’s right for you.We talk through debt consolidation loans and balance transfer credit cards, including the benefits, risks, and common mistakes that can leave people worse off. Debt consolidation isn’t a magic fix, but when used intentionally, it can be a helpful tool as part of a bigger plan.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!

What does it feel like to be the first in your family to graduate, earn a salary, and suddenly make more money than the people who raised you? In this episode, I’m talking with Maria Melchor, creator of FirstGenLiving, about the emotional and financial weight of being first-gen.Maria shares how she navigated guilt, money confusion, and cultural expectations while trying to build a secure financial life for herself. She talks about finding her footing, setting boundaries, and creating money habits that feel supportive instead of stressful.If you are the first in your family to “make it,” or you’re working to rewrite old money stories, you’ll feel right at home in this conversation.Connect with Maria:Instagram: @firstgenlivingTikTok: @firstgenlivingYou 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!

Impulse spending doesn’t mean you’re bad with money. It usually means something deeper is going on. In this episode, I share personal stories and practical strategies to help you understand why impulse spending happens and how to respond to it without shame or extreme restriction.We talk about how emotions like stress, boredom, comparison, and even celebration can drive unplanned spending, and why willpower alone rarely works. I walk you through simple habits that help you slow down, notice your patterns, and create boundaries so spending feels intentional instead of reactive.If you’ve ever wondered why you keep buying things you didn’t plan for and then feel guilty afterward, this episode will help you see what’s really happening and how to make changes that actually stick.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!

What if you could slow down on retirement savings and still be on track for the future?In this episode, I’m talking with my friend Andy Hill from Marriage Kids and Money. Andy and his wife reached Coast FIRE in their early 40s, which lets them work part time while their retirement accounts grow in the background.He explains Coast FIRE in simple terms and then walks me through my own numbers live. We dig into my husband’s teacher pension, what we’ve already invested, and what it would take for our family to be work optional by the time our boys are in college.If you’ve ever wondered when you can stop putting so much toward retirement and start enjoying more time freedom, this conversation will give you new hope.Links mentioned:• Andy’s book Own Your Time • Coast FIRE calculator • Marriage Kids and Money Podcast • @marriagekidsandmoney 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!

Saving $10,000 can feel like something only other people can pull off. But in this episode, I break it down into simple math and a clear plan that works in real life, even if money feels tight right now.I walk you through a step-by-step approach to choosing a pace you can stick with, automating your savings so willpower isn’t required, and finding extra money each month without feeling deprived. We also talk about boost months, common traps that slow people down, and how to stay consistent when life gets messy.Open a HYSA here: https://inspiredbudget.com/hysa 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!

What does it take to actually stick with your money goals past mid-January? This week I’m teaming up with money coach Germaine Foley for a candid, practical conversation about starting the year strong without going to extremes.We’re sharing simple, doable ways to save money, stay consistent, and give yourself grace along the way. From an easy insurance audit that can save hundreds to the B minus mindset that keeps you from quitting when things aren’t perfect. You’ll also hear how to lead with your why, make money check-ins a habit, and plug the five leaks that might be holding you back.If you want small wins you can do today and a plan you can keep all year, this episode will help you get steady and stay steady.Resources Mentioned:Germaine’s free class: How to Build Wealth Without a Strict BudgetMy free Goodbye Debt TrackerBecoming the Wealthy You Podcast by Germaine FoleyYou 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!

What if six months was all it took to feel completely different about your money? In this episode, I’m walking you through the exact step-by-step plan I’d follow if I had to reset my finances from scratch. No extremes. No shame. No “rice and beans forever.” Just simple habits that actually work in real life.We walk through each month of the plan, from getting honest about where you are, to building a realistic budget, to creating an emergency fund you can count on. You’ll also learn how to fix the one money problem that’s been weighing you down, how to automate the things that matter, and how to strengthen your habits so they stick long-term.If you’ve been feeling behind or overwhelmed, this episode will help you see a clear path forward — one that feels doable and steady, not stressful.Here’s a list of the top high yield savings accounts with the best rates.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!

For years I believed budgeting was enough to make me feel in control, but I still felt stressed and a few steps behind. In this episode, I’m sharing the three habits that finally changed things for me. These habits helped me stop avoiding my numbers, understand the spending patterns that kept holding me back, and set up systems that made saving and planning feel natural instead of overwhelming.I’ll walk you through the simple changes that helped me stop panicking about money and start feeling more in control. None of this requires perfection. It’s about choosing habits that support your life and make your finances feel more predictable.If you’re looking for more stability and you want money to feel less chaotic, this episode will help you take the next step.Links mentioned:High Yield Savings Accounts with the best ratesInspired Budget YouTube ChannelYou 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!

The day after Christmas can feel quiet… and a little heavy.In this episode, I’m sharing the story of why Christmas Day is often one of the busiest days on my website and what it reveals about how many of us really feel about money once the gifts are opened and the excitement settles.We talk about why that post-holiday “wake-up call” doesn’t mean you failed, why January is the perfect time for a reset, and how a simple plan can bring calm and clarity after a busy season.If you’re ready to start January feeling steadier, I invite you to join my free, on-demand 45-minute class where I walk you through a simple money reset you can actually follow.Join the free class here: http://inspiredbudget.com/2026-podcast 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!

Today I’m hanging out with my friend Chris Browning from Popcorn Finance for a special crossover episode filled with laughter, awkward money moments, and honest reactions to real Reddit stories.We’re diving into some truly wild financial situations, from a $250 white elephant gift exchange to a friend asking for $2,300 after a baby broke her sunglasses and phone, to a daughter feeling pressured to send her mom money every month.In true This Is Awkward fashion, Chris and I unpack each scenario, debate what we’d do, and share our own awkward stories along the way.Need a laugh or a reminder that everyone has messy money moments? This episode will make you smile and maybe even make you feel thankful your own family drama doesn’t involve a $250 candle.If you want to share your own awkward money situation, we’d love to hear it!Leave a voicemail at 707-200-8259 or DM us at @inspiredbudget or @popcornfinancepodcast.Connect with Chris:Popcorn Finance Podcast – short, snackable conversations about moneyTalk Sleepy to Me Podcast – relaxing stories to help you unwind and fall asleepInstagram: @popcornfinancepodcastYou 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!

So many people are working full time yet still feel like they’re falling behind. In today’s episode, I’m breaking down why this is happening and what you can do to take back control of your money, even in a tough economy.We talk about:Why 45 percent of Americans say the cost of living feels unaffordableThe truth about debt, housing costs, and lifestyle creepFive simple steps to create real breathing room againI also share the exact starter habits that will help you feel more stable with your money, including how to build a small emergency fund and why a high yield savings account matters.Check out my favorite high yield savings account options: https://inspiredbudget.com/hysa 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!

What if your money fights aren’t really about money? In today’s episode, I’m talking with financial therapist Nathan Astle about the real reasons couples clash over spending, saving, and debt — and how to get back on the same team. Nathan explains what financial therapy is, how power dynamics show up in marriages, and why guilt can help but shame keeps us stuck. If you’ve felt alone, overwhelmed, or unsure where to start, this conversation will give you hope and a plan.Resources mentioned:Financial Therapy Clinical Institute (FTCI) — free resource library (Money Timeline and Money Story worksheets)Money Minus Shame Podcast with Nathan AstleFinancial Therapy Association — find a financial therapist directoryConnect with Nathan on LinkedInYou 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!

In this brief episode, Allison offers a heartfelt message of encouragement to stay the course on your financial journey. Happy Thanksgiving!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!

What if paying off your debt didn’t have to feel like punishment? In this episode, I’m joined by Jacent Wamala, a licensed therapist and money coach who paid off $94,000 of debt in just three years…all on a single income! After walking through divorce, grief, and grad school, Jacent decided to treat her debt-free journey as an experiment instead of a burden. She shares how she stopped letting shame lead the way, got practical about her money, and created systems that actually worked for her life. If you’re working to pay off debt, or thinking about starting, this episode will remind you that it’s not about perfection. It’s about progress, intention, and believing that your future self deserves peace of mind.Connect with Jacent:Instagram: @jacentwamalaYouTube: Jacent WamalaYou 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 you’re crushing your budget… until halfway through the month when you realize you’ve overspent? You’re not alone. I’ve been there too—and the good news is, it doesn’t mean you’ve failed.In this episode, I’m sharing the five simple steps my family uses to fix our budget when things go sideways. From adjusting your numbers without starting over to shifting your mindset so you don’t spiral, you’ll walk away with a clear plan to reset and move forward with confidence.Links Mentioned:Get the Budget My Paycheck SpreadsheetTake my FREE budget classWatch the video: Tracking Your Spending Is More Powerful Than You ThinkYou 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!

If a big hospital bill just landed in your mailbox and your stomach dropped, take a breath. You may not have to pay all of it (or any of it). In this episode, Jared Walker, founder of Dollar For, explains how hospital charity care (financial assistance) works, who qualifies, and how his nonprofit walks patients through the process for free.Try This Now:Check eligibility for yourself or a loved one: dollarfor.org/inspiredbudgetAlready in collections or on a payment plan? Apply anyway—you may still qualify and get past payments refunded.Not eligible? Ask for an itemized bill, look for errors, and call to ask for a settlement amount.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!

If you’ve ever had to dip into your emergency fund, you’re not alone. It’s such a frustrating feeling to watch your savings go down after working so hard to build it up. You know it’s there for a reason, but still, it can feel like a major setback.In this episode, I’m answering a listener question from Rachel, who asked what to do after you’ve had to use your emergency fund. I’ve been there myself, and I know how discouraging it can feel to start saving all over again.I’ll walk you through how to reframe the way you think about your emergency fund, how to rebuild it step by step, and how to deal with the emotional side of starting over. You’ll also hear practical ways to keep future “emergencies” from draining your savings again, plus a few simple mindset shifts that will help you stay motivated while you rebuild.My hope is that you’ll walk away feeling encouraged, proud of the progress you’ve already made, and confident in your ability to bounce back (because you’ve done it once, and you can do it again).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 wish someone could just hand you a list of side hustle ideas that actually fit your skills and schedule? In this episode, Nick Loper, host of The Side Hustle Show, shows us how to do exactly that with the help of AI.Nick has a free worksheet that pairs with ChatGPT to brainstorm side hustle ideas. We test it live during our conversation using my own skills and interests. The result? A list of realistic, personalized ways to make extra money that I never would have thought of on my own.If you’ve been stuck on “what could I even do?” this episode will help you see how AI can take the guesswork out and give you a real starting point.Links and resourcesNick’s free worksheet: sidehustlenation.com/allisonNick’s podcast: The Side Hustle Show30 Ways to Make Extra Money for ChristmasYou 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!

If your grocery spending feels like it’s getting out of control, you are not alone. As my kids have grown, I’ve noticed just how much more food (and bigger portions!) we’re going through every single week. Add inflation on top of that, and suddenly the grocery bill looks way higher than it used to.In this episode, I’m sharing the 3 rules my family lives by when it comes to grocery shopping. These three habits have saved us hundreds of dollars each month—and they’ve made grocery shopping way less stressful. My hope is that you’ll hear at least one tip you can start using right away to spend less on food and feel more in control of your grocery budget.📩 I’d love to hear from you! Send me your favorite grocery-saving tips at [email protected] so I can share them with our listeners.For coupon tips in Texas: TXFrugalFindsYou 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!

What does it really take to go from struggling with money to building lasting wealth?This week on the Inspired Budget Podcast, I’m joined by Emily Egashira, a Certified Financial Education Instructor who went from living in poverty and surviving off TV dinners… to becoming a debt-free millionaire in her 30s.Emily opens up about:Growing up in poverty and how it shaped her relationship with moneyWhy financial freedom happens in stages—and what those stages look likeHow to figure out your number for retirement (and why it’s not about age)If you’ve ever felt behind or hopeless with money, Emily’s story is living proof that you can rewrite your financial future.Follow Emily on Instagram & TikTokYou 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!

Paying off over six figures of debt completely changed my family’s future, but it was not a perfect journey. Looking back, there are three big mistakes I made along the way. And honestly, I wish someone had told me sooner so I did not have to learn the hard way.In this episode of the Inspired Budget Podcast, I’m sharing:Why making your budget too strict will only set you up for failureThe mistake of focusing only on cutting costs instead of finding ways to earn moreMy biggest money regret of all: waiting too long to start investingIf you are in the middle of your own debt-free journey, learn from my missteps so you do not have to repeat them. These small changes can save you from frustration, burnout, and years of lost progress.Here is the truth: getting out of debt is not about being perfect. It is about being consistent and giving yourself a plan that actually works for your real life.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!

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 hereFollow her on social media:@5dollardinners (Tw/IG/Threads)@5dollardinnersfans (FB)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!

If you’ve ever felt that rush from clicking “Buy now,” waited for the package like it was Christmas morning, and then… felt the guilt later, you’re not alone. In this episode, I share the honest story of how I used shopping to cope with stress, boredom, and hard feelings—and the simple shifts that helped me break the cycle.We’ll talk about why shopping feels good in the moment (hello, dopamine and anticipation), the real emotional cost that shows up later (avoidance, dread, and sleepless nights), and the four changes that made a lasting difference for me.Whether you’re impulse-adding to cart after a long day or “treating yourself” out of stress, you’ll walk away with a 3-step plan you can use the next time the urge hits, plus a flexible way to budget for fun without derailing your goals!Read the Psychology Today article: Shopping, Dopamine, and AnticipationYou 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!

Have you ever felt stuck on whether to buy something? Maybe it sits in your Amazon cart for weeks—or you hit “order” and later regret it. In this episode, I’m joined by Abigail Roe of Downsize Upgrade, who created the Deliberation Station: a set of quick questions that help you decide if a purchase is worth your money, space, and energy.We talk about:The simple two-scale method she uses to filter how she spends her timeHow the Deliberation Station can stop impulse spending in its tracksMy own real-life example (yes, I tested it on an item I wanted to buy!)This conversation will leave you with practical ways to slow down, think differently about spending, and start aligning your purchases with your priorities.Resources & Links:Connect with Abigail: DownsizeUpgrade.comFollow her on Instagram & TikTok: @downsizeupgradeGrab the Deliberation Station printableYou 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!

If you’ve ever felt like you’re doing everything “right” with money but still stuck living paycheck to paycheck, you’re not alone. More often than not, it’s not the math that’s holding you back—it’s the money lies you’ve come to believe.In this episode, I’m calling out five lies that might be keeping you broke (yes, even the ones I used to believe myself!). You’ll hear the truth behind each one and the simple steps you can take to finally move forward with your money.Whether you’ve believed one of these lies or all five, today’s episode will help you replace them with truth and hope—and finally start creating the financial future you want.Resources Mentioned:Grab your FREE Goodbye Debt Tracker: track your debt payoff and celebrate progress along the wayBudget My Paycheck Spreadsheet: the exact tool I use daily to track my money and write a budgetJoin my free class: Budget Your Way to Wealth – over 15,000 people have taken it and loved 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!

What if downsizing your home could actually upgrade your life? In today’s episode, I’m chatting with Jacqueline from Home Reimagined, who shares how she and her husband left behind a high-cost lifestyle in Austin, Texas to live full-time in a luxury RV. They cut their expenses by 45% and gained so much more in the process!Jacqueline opens up about what it was really like to let go of stuff, how their spending habits shifted, and how this big change positively impacted her business, marriage, and mental health. Whether you're downsizing or just craving less clutter and more peace, you’ll walk away with practical tips to create a home (and life) that truly works for you.Connect with Jacqueline:✨ Instagram: @home_reimagined_✨ Instagram: @travelreimagined_📺 YouTube: Home ReimaginedYou 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!

It’s back-to-school season, which means schedules are packed, evenings fly by, and the to-do list never ends. If you’ve ever felt like you’re just trying to keep your head above water this time of year, you’re not alone.In this episode, I’m sharing the five routines that help me keep my home and budget running during busy seasons—and the three things I’d like to do better. You’ll hear exactly how I meal plan, keep my family on the same page, and stay on top of our finances without letting things spiral.Whether you have kids at home or just want to better handle busy stretches in life, you’ll walk away with practical ideas to make this season feel a little less overwhelming.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!

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!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!

Let’s be real. Paying off debt is tough. But trying to do it while raising little kids? That’s a whole new level of hard.In this episode, I’m sharing what it was really like to pay off over six figures of debt while being a mom to two little ones. I talk about the guilt, the pressure, and the emotional weight I didn’t expect. This isn’t a step-by-step guide. It’s a heart-to-heart about the five things I wish I had known before starting our debt-free journey as a mom.If you're a parent trying to get out of debt while carrying the weight of wanting the best for your kids, this episode will remind you that you’re not alone. You are doing the best you can, and it matters.Want to learn the exact steps my husband and I took to pay off $111,000 of debt without giving up everything we love?Grab a seat in my free budget class here: https://inspiredbudget.com/freeclass 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!

In this episode, I sit down with financial therapist Dr. Erika Rasure to talk about something most personal finance advice skips over: the emotional side of money. Erika shares why so many of us carry shame, guilt, or fear when it comes to spending and debt, and how we can begin to break those patterns for good.We discuss:What financial wellness really looks like beyond just budgetingHow emotional triggers show up in spending and savingMy own story of financial defensiveness (yep, I’m sharing!)What to do if you and your partner don’t see eye to eye on moneyHow to move forward if you feel stuck in debt or shameThis conversation is heartfelt, eye-opening, and full of the grace we all need when we’re working on our money habits. You are not alone and you are not behind.Connect with Dr. Erika on LinkedInLearn more about Beyond FinanceYou 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!

In this episode, I’m walking you through the six steps I would take if I woke up today with over $100,000 of debt. This is the exact approach I’d follow based on my own experience of paying off $111,108.29 on two teacher salaries while raising a family.I’m breaking down what I’d do differently, what worked for us, and how to stay motivated along the way…because paying off debt is just as emotional as it is practical.Whether you’re just getting started or starting over, this episode will help you take real, doable steps toward becoming debt free (without the shame or overwhelm).📥 Grab the FREE Goodbye Debt Tracker: https://inspiredbudget.com/goodbyedebt 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!

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!LinksFollow Cindy on InstagramThe Blueprint to Financial FreedomYou 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!

Let’s rewind to the beginning of our debt-free journey—back when I thought paying off six figures of debt would be simple, linear, and honestly… a little more glamorous.Spoiler alert: it wasn’t.In today’s episode, I’m getting real about the three biggest things I wish someone had told me before we even got started. These aren’t the kind of tips you find in a finance textbook. These are the behind-the-scenes lessons that shaped me emotionally, mentally, and practically and completely changed how I see money (and myself).No matter if you're just getting started, feeling stuck halfway through, or trying to get back on track after taking a break, this episode is your reminder that you don’t need a perfect budget or a big paycheck to make real progress.Links & Resources: 👉 Grab the FREE Debt-Free Roadmap. It's a step-by-step plan to help you get started 📖 Money Made Easy. My book walks you through budgeting and building financial confidence. 📱 Follow me on Instagram: @inspiredbudgetEnjoyed this episode?Take 20 seconds to leave a quick review. It helps the show reach more people who need encouragement and clarity on their financial journey. 💛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!

What do you do when you wake up and realize you owe $169,000 in debt? If you're Leigha, you grab a spreadsheet, get honest with yourself, and start sharing your journey online. In this inspiring episode, Leigha (@millennial30something) opens up about the moment she said enough is enough and decided to not only start her debt free journey, but share it online as well.We talk about:How she balances paying off debt with still enjoying lifeThe exact numbers behind her $169K debt total (including 13 credit cards!)Why even a $3 refund check can make a difference on your debt-free journeyWhether you’re just starting out or in the messy middle of your own debt-free journey, Leigha’s story is the encouragement you didn’t know you needed.🔗 Follow Leigha on TikTok, Instagram, and YouTube📊 Download her free debt & budgeting tracker [linked in her bios]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!

When my husband and I decided we were DONE with debt, we had no clue where to start. We were drowning in over $111,000 worth of debt and making two teacher salaries. We didn’t have extra money lying around, but we were determined to change our lives. So what did we do first?In this episode, I’m walking you through the very first five steps we took to pay off six figures of debt. These are simple, doable things that helped us build momentum and stay on track (even during the hard days).If you're overwhelmed by your debt or have started and stopped a million times, this episode is for you.✨ Grab my Goodbye Debt Tracker for free! This Google Sheet helps you:List and organize all your debtsCompare the snowball vs. avalanche methodPlug in extra payments and see how much faster you can be debt free→ Download it here: inspiredbudget.com/goodbyedebt📅 Ready to get serious about budgeting and paying off debt without sacrificing everything you love? Grab my book Money Made Easy right here.If you enjoyed this episode, I’d love it if you left a review. It helps the podcast reach even more people who are ready to change their money story.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!

In this episode, I talk with Katie Kimball about teaching kids kitchen skills that save both time and money. Katie shares practical advice for parents looking to build cooking independence in children while keeping grocery budgets in check.In this episode you will learn:How to teach age-appropriate kitchen skills to kids 10+ (like knife skills and stovetop cooking) that build independence while saving you timePractical strategies for managing summer snacking that won't break your budgetHow to implement a family cooking rotation where each child takes responsibility for an entire mealThis episode is for you if you're tired of doing everything in the kitchen yourself and want to teach your kids valuable skills that will save you time and money while preparing them for adulthood.Go to kidscookrealfood.com/inspiredskills to access free life skills training videos and learn about her virtual Life Skills Summer Camp featuring 100 different skills taught by experts.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!

Just because I teach budgeting doesn’t mean I’ve always made perfect money choices. In this episode, I’m getting personal and sharing six purchases I regret. Not to shame myself or anyone else, but to show that we’re all learning as we go.Some of these were impulse buys. Some were made with the best intentions. But all of them taught me something about values, priorities, and how sneaky spending pressure can be.Here’s what I cover:The mindset that led to a few expensive mistakesWhat I wish I had done differentlyHow these lessons changed the way I spend todayThis isn’t a list of things no one should ever buy. It’s a reminder that regret is part of the money journey, and that learning from past decisions helps us spend with more confidence and peace moving forward.💬 If you’ve ever looked at a purchase and thought, “What was I thinking?” you're not alone. You’re in good company.📘 Want more stories, strategies, and support for making a budget that feels right for your life? Grab my book Money Made Easy on Amazon or wherever books are sold.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!

In this episode, I sit down with my friend Kelly Anne Smith to talk about what it really looks like to go from barely getting by to building a life with financial peace. Kelly opens up about her early money mistakes, including the time her car was repossessed—even though she technically had the money in her account.We talk about:Why not knowing where your money is going can cost you big timeHow she paid off $23K in student loans and cash-flowed a $30K weddingWhat it looked like to budget with a partner who had totally different money habitsHow she stayed motivated when budgeting got hard—and what finally clickedIf you’ve ever felt stuck, behind, or like you’re the only one trying to figure this money thing out—this episode is for you. Kelly’s story is full of real-life lessons, hard-won wins, and the kind of hope we all need to keep going.Resources Mentioned:Follow Kelly on InstagramGet the Ultimate Side Hustle GuideYou 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 you're trying to pay off debt while holding your breath, hoping your income doesn’t suddenly vanish? Or maybe your family has income that comes in waves, and you’re just trying to keep the budget afloat?You’re not alone. In this episode, I’m answering two listener questions that so many people are navigating right now:Should I pause my debt payoff if I’m worried about losing my job?How do I budget when my income is totally unpredictable?We’ll talk about:Why pausing your debt-free journey isn’t failing, it's smartHow to build a financial safety net when layoffs are on the horizonWhat a “bare bones budget” is and why it mattersHow to create an “income bucket” to smooth out unpredictable paychecksAnd most importantly, why budgeting has to be flexibleWhether you’re in a rocky job situation or dealing with variable income, this episode will help you feel more prepared and less overwhelmed. Small, steady steps matter, and I promise, you’re not behind.📘 Grab my book Money Made Easy for more step-by-step help, including examples, visuals, and real-life stories from our own journey.💌  Want to submit a question for a future episode? Email me at [email protected] or DM me @InspiredBudget on Instagram.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!

In this episode, I chat with Kevin Payne about how families can experience the magic of Disney without breaking the bank. Kevin shares his journey from adopting two children (doubling his family size!) to finding ways to make travel affordable while maintaining certain non-negotiables.We discuss:The biggest Disney expensesPros and cons of staying on vs. off Disney propertyHow to save on foodSetting souvenir budgets for kids (and why food often becomes the best souvenir)Kevin reveals that even though Disney has gotten more expensive, there are always ways to make it work within your budget by being intentional about what aspects matter most to your family.Whether you've never been to Disney because you thought it was out of reach (like I once did) or you're a Disney veteran looking for new savings tips, this episode will help you plan an affordable magical experience.Listen to Kevin's podcast, The Family Money Adventure Show, or find him on social media @HeyKevinPayne.Also, you can check out Disney tips at The Undercover TouristYou 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!

Summer spending can sneak up on you fast. Between pool days, fireworks, and sales everywhere you look, it’s easy to blow through your budget without even realizing it. In this episode, I’m getting honest about where I’m NOT spending money this summer (looking at you, lemon-themed decor) and the few things I am saying YES to, guilt-free.I’m sharing:7 things I’m skipping this summer to save money and reduce stress3 things I’m excited to splurge on, including family travel and a backyard upgradeHow we’re using gift cards, free fun, and summer camp hacks to stretch our budgetMy hope is that this episode helps you rethink your own summer spending. Grab your notes app and jot down your own "no" list and "yes" list. It’s such a helpful way to stay intentional with your money while still enjoying the season.👉 Send me a DM on Instagram (@inspiredbudget) and tell me what you’re saying "no" and "yes" to this summer. I’d love to hear your list!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!

Jesse Cramer, a former aerospace engineer turned financial planner, joins me to talk about longevity risk and why it’s especially important for women to plan for the long haul.We talk about what it means to outlive your money, how Social Security really works (especially for stay-at-home moms or lower earners), and what to do if you're behind on retirement savings. Jesse breaks it down in everyday language that anyone can understand.You'll learn:What spousal and survivor benefits actually meanHow to build a “retirement paycheck” that doesn’t just rely on Social SecurityWhy it’s okay to start investing even if you don’t know everything yetWhen it might make sense to hire a financial advisor (and when it doesn’t)Whether you're in your 30s, 50s, or somewhere in between, this episode is your reminder that it’s not too late and you don’t have to figure it out alone.🔗 Links Mentioned:Jesse’s blog: bestinterest.blogJesse’s podcast: Personal Finance for Long-Term InvestorsYou 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!

Today is my birthday—I'm 38! 🎂 And instead of giving you a list of lessons or tips, I’m doing something a little different. I’m sharing what this season of life feels like—from motherhood and money, to business, marriage, and the friendships that come and go.This is a heart-to-heart episode about being present, growing through the hard parts, and choosing what matters most. Whether you’re deep in your own season of change or just love a good reflective moment, I hope this speaks to you.In this episode, I’m sharing:What I’ve stopped dreaming about—and what I’m dreaming of nowThe moment in motherhood that made me pause and feel proudWhy financial freedom is so much more than a numberWhat’s still hard (yes, even now!) and what I’m excited for in year 38🎧 Press play and then come DM me: What does this season of life feel like for you?🎁 Ready to take control of your money? Watch my free budget class here.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!

What if you could turn your creative curiosity into a side hustle that pays off debt, fits around your kids’ schedules, and maybe even replaces your 9-to-5?In today’s episode, I’m chatting with Emily Odido-Sutton, a former educator turned full-time Etsy seller, who built a wildly successful print-on-demand business—without any prior design or business experience. Yep, zero.We talk about:Why she started selling on Etsy with no design backgroundHow print-on-demand works (and why it’s perfect for busy moms)The exact moment she realized she could quit her day jobWhat her workdays look like now (spoiler: it’s not 40 hours!)Her $500K in revenue milestone and 30% profit marginWhether you’re side hustle curious or dreaming of more flexibility and financial freedom, Emily’s story will leave you inspired and thinking, “Wait, maybe I can do this too.”Learn more about Emily’s course: Gifting GoldFollow her on Instagram: @ecommemilyYou 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!

In this special Q&A episode, I’m answering two important questions from our Inspired Budget community. First, we talk about how to prepare your finances when prices are rising and the economy feels uncertain (hello, tariffs and recession talk!). Then, I answer a question about what to do when you keep going over budget—even when you technically have the money.Whether you're adjusting to a new season of life, feeling the pressure at the grocery store, or just want to feel more in control of your money, this episode will help you move forward with clarity and confidence.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!

Today, we’re sitting down again with Jeremy Schneider, and it feels just like catching up with an old friend who’s here to clear up the confusion around financial advisors. Jeremy, who's behind both Personal Finance Club and the new venture, Nectarine, shares personal stories and why finding genuine, unbiased financial advice can be tricky. If you've ever felt unsure about who to trust with your financial questions, this episode will feel like a breath of fresh air, giving you the confidence to seek advice that truly has your best interest at heart.What You'll Learn:The real differences between fee-based and commission-based financial advice—and why it matters to you.Stories from Jeremy and Allison that reveal the tricky situations you might encounter with commission-driven advisors.How to spot and steer clear of financial advice that doesn't have your best interests in mind.An introduction to Nectarine, where you can find financial advisors who work on a flat fee or hourly basis—meaning they're working for you, not for a commission.Practical tips for vetting financial advisors and feeling secure in your choices.Links and Resources:Check out Nectarine to connect with trustworthy financial advisors.*Learn more about investing at Personal Finance Club.Listen to Jeremy’s first visit to the Inspired Budget Podcast*I will be compensated by Nectarine if you use my affiliate link, which creates an incentive and conflict of interest. I am not a current client or employee of Nectarine.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!

Two months ago my youngest son had a freak accident that turned our world upside down. What started as a chipped tooth at school quickly spiraled into multiple surgeries, procedures, and a life-changing injury.I'm taking you behind the scenes of this emotional journey - from that first call from the school nurse to endless visits with specialists and surgeries. I’m sharing how we navigated multiple specialists, several surgeries, and what this means for my son (and us!) going forward.This accident will have lasting impacts on my 10-year-old, but I'm also sharing why having an emergency fund was absolutely crucial in helping us focus on his care rather than financial stress.High Yield Savings Account Link - earn 10x national average!Financial Impact:Emergency Room (Medical):Total Bill: $7,230.00Insurance Paid: $2,659.20We Paid: $3,199.56 (30% discount)Pediatric Dentist (Dental):Total Bill: $1,073.00Insurance Paid: $123.00We Paid: $583.00 (discount)Oral Surgeon (Dental):Total Bill: $3,441.00Insurance Paid: $211We paid: $3,230.00Orthodontist:Total Bill: $3,950.00Insurance Paid: $1,395.00We Paid: $2,555.00Endodontist (Dental):Total Bill: $4,636.00Insurance Paid: $0.00We Paid: $3,477.00 (25% discount)Total Paid to Date: $13,044.56You 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!

In this episode, Allison chats with Shannah Game, financial expert and author of "Unraveling Your Relationship with Money." They dive into the deep end of our feelings about money, discussing how emotional and psychological factors impact our financial decisions. This episode is packed with stories and tips on how to manage your money mindfully.What You'll Learn:The importance of emotions in your financial life.Simple steps to fix unhealthy money habits.How to feel good about your finances, no matter your bank balance.Resources Mentioned:Shannah Game's Book: Unraveling Your Relationship With MoneyShannah’s Podcast: Everyone’s Talkin’ Money PodcastYou 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!