Inspired Budget

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

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.

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.

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.

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.

Today is my birthday—I'm 38!

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 BRAND NEW 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: $3,230.00Endodontist (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 BRAND NEW 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 BRAND NEW 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 shares a 4-step strategy that will make a real difference in your financial life and help you break free from credit card debt.These are real steps for real people who want to pay off their credit card debt, stop the debt cycle, and build a healthier relationship with credit. If you're feeling overwhelmed by credit card balances, stressed about making minimum payments, or sick of throwing money away on interest, this episode is exactly what you need. Think of it as your roadmap to finally getting ahead of your credit card debt.After listening, you'll have 4 practical steps that can change your money situation. You'll move from feeling stuck in the credit card trap to feeling confident and ready to face your financial future.This episode comes with two helpful resources—the Goodbye Debt Tracker spreadsheet and the Debt Free Roadmap—created to help you overcome credit card debt with simple, proven strategies. And you can start using them right away.Resources Mentioned:Get the ‘Goodbye Debt!' Tracker Download the Debt Free RoadmapSave money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW 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!

Is talking about a prenup planning for divorce—or is it actually planning for a successful marriage? In this episode, I chat with Carlie Spencer, family lawyer and founder of The Prenup Girl. Carlie is on a mission to help couples create strong marriages by having open, honest conversations about finances and future plans—starting with a prenuptial agreement.You'll walk away with practical tips for having “the money talk” with your partner, understanding the true purpose of a prenup, and insights into creating a marriage built on trust and transparency.If you're engaged, married, or simply curious about how prenups work, this episode is for you!Resources & Links Mentioned:Carlie's Book: The Prenup Girl's Guide to a Successful Marriage Book Mentioned: The Defining Decade by Meg Jay Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW 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, we're diving into the 6 sneaky reasons your budget might be failing (and trust me, you're not alone in this!). Ever look at your bank account and wonder where all your money went, even though you had a budget? Been there! I'm sharing a real story about how life threw our family a curveball last month with medical expenses, and how we handled it.You Will Learn:Those Tricky Irregular Expenses: How to handle those surprise (but not really surprise) expenses like car maintenance and annual subscriptions without derailing your whole budget.Why Being Too Strict Backfires: I'll share how giving ourselves just $20 of fun money changed everything in our budgeting journey.Rolling with Life's Changes: From inflation to growing kids (who knew they could eat so much?), learn how to adjust your budget when life shifts.Setting Goals That Stick: Why trying to cut your restaurant budget from $500 to $50 probably won't work (and what to do instead).Those Sneaky Small Purchases: How $8 lunches and random Amazon buys can add up to over $2,200 a year without you noticing.The Weekly Money Check-In: My simple 5-minute routine that keeps our budget on track without making it feel like a chore.Grab your coffee (or tea!), maybe a notebook, and let's talk about making your budget actually work for your real life. Because honestly? The problem isn't you - it's probably one of these six things we're about to fix.Join my free 7-Day Budget Makeover ChallengeCheck out Axos ONE's savings and checking bundle: http://axosbank.com/allison Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW 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 doing all the “right” things with your money but still not getting the results you want? In this episode, I chat with Jessica Moorhouse, author of Everything But Money, about the often-overlooked barriers that hold us back financially.Jessica shares her personal story of growing up with financial shame, how family history influences our money habits, and the transformative power of rewriting your money story. What You'll Learn:Why your money habits are shaped by your childhood experiencesHow trauma (big or small) impacts your financial decisionsActionable steps to start rewriting your money story todayDon't miss this episode if you're ready to uncover what's really standing between you and your financial goals.Jessica's book: Everything But MoneyFollow Jessica on Instagram: @JessicaIMoorhouseListen to Jessica's podcast: More Money PodcastCheck out Axos ONE's savings and checking bundle: http://axosbank.com/allison Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW 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, we're talking about 4 must-have money talks with your partner or family. You know, the kind that can feel a bit awkward but are totally crucial if you want to keep things smooth in the finance department.If you've ever felt nervous about bringing up the budget or debt with your loved ones, or if you're just not sure how to start that kind of conversation, this one's for you. I'm pulling from my own life (yep, all the messy and successful bits) to help you see you're not alone in this.You Will Learn:Dreaming Together: How to talk about saving up for big dreams without making it feel like a math test.Debt Doesn't Have to be Scary: How to share your debt stories without shame and tackle them as a team.Spending Habits: I'll share how my husband and I learned to handle our very different spending styles without arguments.Emergency Funds: Because life throws curveballs, and I'll tell you why having a safety net is a game-changer.Grab your favorite drink, get comfy, and let's break down these conversations into simple, doable steps. Check out Axos ONE's savings and checking bundle: http://axosbank.com/allison Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW 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!

How can parents teach their teens millionaire habits that lead to lifelong financial success? In this episode, I sit down with Maya Corbic, founder of the Wealthy Kids Investment Club. Together, we discuss practical ways parents can help their teens build habits of saving, budgeting, and investing that set them up for financial independence.You'll walk away with actionable tips to teach your teen about managing money, investing wisely, and practicing delayed gratification.If you're a parent ready to raise financially independent kids, this episode is for you!Connect with Maya:Instagram: @teach.kids.moneyWealthy Kids Investment Club: https://www.wealthykids.club/ Book: From Piggy Banks to Stocks Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW 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!

I'm not going to lie to you - I'm a little bit nervous about releasing this episode. Partly because I'm talking about something that I have experience in, but not professional training in. And also, because I'm going to be very vulnerable and open here. I'm going to be sharing something about myself that not a lot of people know about. And usually, when they do find out about it, they're pretty shocked. And that is: I struggle with anxiety and depression. I need to add this disclaimer: I am not a therapist. I am not a psychiatrist. My experiences with the subject that I'm speaking on today stem from my own personal experiences. If you've ever battled with anxiety or depression, you understand that our money doesn't care about our mental status. Life still goes on. Bills still need to be paid. This is why it's so important to create systems and safeguards for our money so that when our mental state isn't the best, our money can still do what it needs to do. In this episode, I'm sharing the 5 things you can set in motion TODAY to ensure you thrive financially in the midst of anxiety, depression, and/or financial stress! Save for the unexpected with Axos Bank: http://axosbank.com/allison Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW 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!

Sleep expert Terry Cralle, MS, RN, joins the Inspired Budget Podcast to share how sleep impacts every part of our lives—from decision-making to financial health. Discover why sleep deprivation can lead to impulsive spending, poor judgment, and chronic stress, and learn actionable tips for improving your sleep habits.What You'll Learn:How lack of sleep affects finances and decision-makingPractical tips for better sleep hygieneWhy sleep is the ultimate self-careConnect with Terry at Better Sleep Council and discover how prioritizing sleep can improve your life!Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW 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!

Join us for this special Q&A episode of the Inspired Budget Podcast! Today, Allison answers your questions about everything from managing a tax refund to setting up your bank accounts and budgeting after losing your job. Questions We Answer:How should I use my tax refund? Should I save it, pay off debt, or spend it?What kinds of bank accounts should I have, and how should I split my money between them?What's the best way to budget if I've been laid off?If you're looking for straightforward, useful advice on these topics, you're in the right place!Links Mentioned:The high yield savings account that I love.Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW 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 sharing how our family of four saves money across different areas of our daily lives. If you've ever felt overwhelmed by your bills or unsure how to make your money go further, this episode is packed with real, doable tips and examples from our own life.I'll walk you through six effective ways we reduce costs—from managing household bills like car insurance and cell plans, to smart shopping for groceries, and even cutting costs on utilities and subscriptions. These aren't just tips; these are real strategies that my family uses every month to maintain financial freedom without sacrificing the things we enjoy.If you're looking to save more money without cutting back on fun, then this episode is for you!Links Mentioned:Save money on your cell phone with VisibleScan your grocery receipts with Fetch RewardsSave money on your electric bill with TriEagle Energy: https://trieagle.com/inspiredYou Might Like: Get the BRAND NEW 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!

I'm thrilled to share this candid conversation with my good friend, Chris Browning of Popcorn Finance, as we dive into our goals for 2025. Together, we explore a range of personal and financial aspirations, from innovative family finance strategies—like my plan to hire my son and kickstart his savings with a Roth IRA—to our fitness journeys, focusing on strength training and significant weight loss goals. Join us for a motivational session that is perfect for anyone eager to set their own goals and pursue meaningful change in the upcoming year.Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW 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!

Kick off 2025 with Allison Baggerly on the Inspired Budget Podcast as she guides you through breaking free from living paycheck to paycheck. This episode isn't just about scraping by; it's about creating a financially stable future. Whether you're struggling at the end of each month or just looking to improve your financial situation, this episode has actionable advice for everyone.What You'll Learn:Practical steps to stop living paycheck to paycheck.How to set up safeguards to protect against financial surprises.Strategies to increase income and reduce major expenses.Tips for staying motivated and persistent in your financial journey.Plus, don't miss out on Allison's free live class, Budgeting for Peace of Mind, How to Take Control of Your Money in 2025. Save your spot here.Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Ready to set yourself up for financial success in 2025? In this episode, Allison shares her best tips for getting your money right as we head into the new year. You'll learn how to:Look back at your money moves from 2024 to see what's working and what's not.Set up a budget that fits your life and goals for 2025.Clear out any debt from holiday spending quickly.Build or top up your emergency fund for peace of mind.Set clear and doable money goals for the year.This chat is perfect if you're feeling swamped by your finances after the holidays or just want a fresh start financially in the new year.Plus, don't miss out on Allison's free live class, Budgeting for Peace of Mind, How to Take Control of Your Money in 2025. Save your spot here.Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 Baggerly sits down with Jen Smith and Jill Sirianni to chat about their new book, Buy What You Love Without Going Broke, and what frugal living really means. Spoiler: it's not about feeling deprived! They break down how being frugal can actually be fun and fulfilling, sharing how financial limits can spark creativity.If you want to learn how to enjoy life while staying on top of your finances, then this episode is for you!Get the book: Buy What You Love Without Going BrokeSave money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Are you stuck in the cycle of credit card debt? This episode is all about tackling one of the most overwhelming financial challenges: credit card debt and how to escape it despite high-interest rates.You'll walk away with practical strategies, including steps to pay off debt faster, ways to lower your interest rates, and tips to avoid falling back into the debt trap.If you're ready to break free from debt and reclaim your financial freedom, this episode is for you!Check out the Budget My Paycheck Spreadsheet.Save money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 joined by TikTok star Adrian Brambila and wealth psychologist Dr. Brad Klontz, co-authors of Start Thinking Rich. We discuss how to shift from spending like a millionaire to building real wealth. Adrian shares his journey from van life to earning $1.7 million, while Dr. Brad explains how your money mindset can impact your financial success.What You'll Learn:The difference between spending money and building wealthHow to shift from a "poor" mindset to a "rich" mindsetPractical tips for investing and growing your wealthHow to teach your kids positive money habitsYou'll walk away with actionable steps to change your relationship with money, start investing, and teach your kids smart financial habits—no matter where you are on your financial journey.Resources Mentioned:Start Thinking Rich by Adrian Brambila & Dr. Brad Klontz: StartThinkingRich.com/AllisonSave money on your electric bill with TriEagle Energy: https://trieagle.com/inspired You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Need some extra cash for the holiday season? You're definitely not alone! Last year, the average American spent around $900 on Christmas. In today's episode, I'm chatting with Nick Loper from The Side Hustle Show, and together we'll share 30 ways to bring in extra money for the holidays.Get the full list here.Listen to The Side Hustle Show with Nick LoperDon't forget to download my Budget My Paycheck Spreadsheet to make budgeting easier, and follow Inspired Budget on social media for more tips on how to manage your money!You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 forensic accountant Tracy Coenen, who has spent over 25 years uncovering financial fraud in corporate cases and high-net-worth divorces. Tracy shares why it's so important for women to be informed about their family's finances, even if they think divorce is never on the horizon. We discuss practical steps you can take to protect yourself financially, common mistakes women make in marriage, and how to spot red flags if your partner is hiding money. What You'll Learn in This Episode:Why women need to protect themselves financially, even in a happy marriageHow to track down hidden money and spot financial red flagsThe key financial information every woman should know about her family's financesHow to start building financial independence, even within a marriageResources Mentioned:Planning for Divorce - Free GuideDivorce Money GuideYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 taking you behind the scenes of how I budget for our family of four. If you've ever felt overwhelmed trying to keep up with bills, savings, and day-to-day expenses, this episode will help simplify the process for you.I'll walk you through my exact budgeting method, from creating a bill payment calendar to tracking spending in real time using my favorite tool—my Budget My Paycheck Spreadsheet. Whether you're new to budgeting or looking to streamline your current system, these steps will help you get more organized and reduce financial stress.Don't forget to download my Budget My Paycheck Spreadsheet to make budgeting easier, and follow me on social media for more tips on how to manage your money!You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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, Kara Perez, founder of Bravely Go and author of Green Money, joins me to talk about how we can align our financial decisions with sustainability. Kara breaks down simple steps you can take to make greener choices with your money, from switching banks to supporting local businesses. She also shares why it's important to focus on systems rather than just individual actions when it comes to making a real impact. If you're curious about how you can be more eco-conscious with your finances, this episode is for you!Kara also gives us a sneak peek into her new book, Green Money, and offers practical ways to start making small but impactful changes in how we handle our money.Check out Kara's Book: Green MoneyFind out more about Kara Here: Bravely GoYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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, we're diving deep into the world of MLMs (multi-level marketing companies) and why so many of them, like Bodi (formerly Beachbody) and BeautyCounter, are switching to affiliate marketing models. What's the difference between these models, and how does it impact the people who've built their income around MLMs?We'll cover:What MLMs really are and why they target womenWhy some MLMs feel eerily similar to pyramid schemesThe big shift to affiliate marketing and how it's leaving many coaches blindsidedPlus, I share my thoughts on feeling torn: I empathize with people losing income, but I'm also relieved that some shady practices are coming to an end. Tune in to hear the full story!Article: Breaking My Silence on BeachbodyCheck out the Budget My Paycheck SpreadsheetYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 Baggerly chats with Germaine Foley about her remarkable journey to paying off $200,000 of debt while still enjoying life. Germaine shares the turning point that led her and her family to take control of their finances and how they achieved financial freedom without sacrificing the things they love.What You'll Learn:The Turning Point: Discover the moment that motivated Germaine to take action on her family's debt and why daycare costs were the final straw.The “Do Both” Method: Learn how Germaine developed her unique approach to managing money, which allowed her to pay off debt while still taking vacations and enjoying life's pleasures.Practical Tips: Get actionable advice on how to balance paying off debt with living a fulfilling life, including setting financial goals and identifying what truly matters to you.If you want to turn your financial life around without giving up what makes you happy, then this episode is for you.Links Mentioned:Sign Up For Germaine's Wealth ClassListen to The Wealthy Woman's PodcastCheck our her Instagram @germainefoleycoachingYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Thinking about buying a home? Already own one? In today's episode, I'm breaking down the hidden costs of homeownership that most people don't plan for. From unexpected maintenance costs (hello, $2,000 plumbing bill!) to rising insurance premiums and HOA fees, I'm sharing real-life stories and tips to help you prepare for the true cost of owning a home.What You'll Learn:The surprising costs that hit homeowners (like repairs and rising property taxes)How home insurance in some areas is becoming more expensive and limitedThe golden rule for making sure your mortgage (and all its hidden costs) don't break your budgetDon't miss this episode—it could save you a ton of money and stress down the road!Check out the Budget My Paycheck SpreadsheetYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 on a debt-free journey, staying motivated is key—and one of the best ways to do that is by hearing from others who are right there with you!In this episode, Jo Harris opens up about how she and her husband knocked out $51,000 in debt. She shares some great tips on boosting your income through side hustles, finding a budget that works for you, and getting on the same page with your partner when it comes to money. If you're looking for inspiration and practical advice to keep going, then this episode is for you!Links Mentioned:The Virtual Mama WebsiteSide Hustle Launch PlanYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 tackling the financial pressure we're all feeling as the cost of living keeps rising. From insurance premiums to everyday expenses, it can feel like we're drowning. But you're not alone—and you're not powerless.Join me as I share practical steps to help you take back control of your finances. I'll show you how to reassess your budget, prioritize the essentials, shop around for better deals, and build an emergency fund—no matter how small. Plus, I'll offer encouragement for anyone feeling overwhelmed, because better days are ahead.What You'll Learn in This Episode:How to adjust your budget to reflect rising costsTips for cutting back and prioritizing the essentialsHow to shop around for lower insurance ratesStarting an emergency fund, even if you feel stretched thinEncouragement for managing financial stressCheck out Allison's New Budget My Paycheck SpreadsheetYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Zoe Pritchard, a YouTuber and personal finance content creator, shares her journey of paying off $35,000 of student debt and improving her relationship with money. Growing up, money was a tense topic in her family which had a direct impact on her own financial wellness.In this episode you'll learn:What happened when Zoe started openly discussing her financial struggles on YouTube.How she paid off $35,000 of student loan debt.What she has done to alleviate her financial anxiety.If you have debt, or struggle with stress around money then this episode is for you!Check out Zoe's Youtube ChannelCatch up with Zoe on Instagram @zoexpritchardYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 diving into the TikTok trend of underconsumption and sharing my thoughts on why it's actually just normal spending. We've been so influenced by social media to keep buying and upgrading that sticking to what we already have seems like a radical idea. Let's talk about what underconsumption really is, why it's trending, and how it can change the way you think about money.What you'll learn:What underconsumption is and why it's gaining popularity.How social media pressures us to overspend and why that's not sustainable.The financial benefits of being more intentional with your spending.How to balance spending on what you need and what brings you joy.This episode is perfect for anyone who's feeling overwhelmed by the constant pressure to buy more and wants to be more mindful with their money.Links Mentioned: Budget My Paycheck SpreadsheetYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 of the Inspired Budget Podcast, Allison Baggerly talks with Whitney Hansen about her exciting journey into owning unique short-term rentals in Idaho. Whitney shares how she built her properties from the ground up and the money strategies that helped her make it happen.What You'll Learn:Whitney's Rental Adventure: Find out how Whitney turned her dream into reality by creating a one-of-a-kind geodome in the Idaho mountains and why she chose to make it unique.Financing the Dream: Learn about the creative ways Whitney managed to fund her projects, using strategies like home equity lines of credit (HELOCs) and careful budgeting.Advice for Future Hosts: Whitney shares practical tips for overcoming challenges like finding reliable caretakers and embracing the quirks that make her properties special.Join us for this inspiring chat as Whitney Hansen shares her story of blending creativity with real estate and gives tips for anyone looking to follow in her footsteps.Connect with Whitney Hansen: @whitney_hansen_coCheck out the Cascade DomeCheck out the Flower PotYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 your budget just isn't working, no matter how hard you try? You're not alone! In today's episode, I'm diving into five common budgeting mistakes that are easy to make—and I've definitely made a few myself! We'll explore why these mistakes can throw a wrench in your financial plans and how recognizing them can save you from a lot of headaches.What You'll Discover:The hidden traps in budgeting that can derail your financial goals.Practical strategies to sidestep these pitfalls and keep your budget on track.Personal stories from my own experiences, sharing what worked and what didn't.Listen in for actionable tips and a step-by-step guide to tweaking your budget like a pro. Perfect for anyone looking to make their money stretch further without the stress.Loved the insights from this episode? Drop us a review on your favorite podcast platform. Your feedback helps us grow and reach more people just like you!You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

In this inspiring episode, Allison sits down with Deacon Hayes to discuss his journey to becoming debt-free. Deacon shares how he and his wife paid off $52,000 in debt in just 18 months and the strategies they used to achieve financial freedom.What You'll Learn:Debt-Free Story: Hear about the moment when Deacon and his wife realized they needed to get serious about paying off their $52,000 in loans and credit card debt, and how they made it happen.Smart Strategies for Paying Off Debt: Find out how Deacon made tough choices, like selling his car that was worth less than he owed, to speed up their journey to becoming debt-free.Tips for Staying Motivated: Deacon shares his best advice for keeping your spirits up while paying off debt and why having a strong reason for doing it is so important.Join us for this inspiring conversation as Deacon Hayes shares useful tips and real-life advice for anyone wanting to get out of debt and take control of their money.Connect with Deacon Hayes:Website: Well Kept WalletInstagram:@wellkeptwallet$1,000 Savings Challenge: Find details on the Well Kept Wallet homepage.You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Feeling like you need a reset with your money? In this short episode, Allison Baggerly shares how to lean into what she calls the "Second New Year" to get back on track with your finances and achieve your financial goals.What You'll Learn:Why the Second New Year is the Perfect Time for a Fresh Start: Discover why this time of year is ideal for hitting the reset button and refocusing on what matters most.Overcoming Summer Spending: Explore how the transition from summer to fall is an opportunity to reassess your spending habits and make necessary adjustments.3 Steps to Reset Your Finances: Allison shares practical tips to help you regain control of your money and set yourself up for success as the year draws to a close.Tune in to learn how you can finish the year strong with renewed energy and focus. Whether it's budgeting, goal-setting, or improving your money management skills, this episode is packed with actionable insights to guide you on your financial journey.You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Tired of following what society says you should do? In this episode, I talk with Cait Flanders, author of Adventures in Opting Out about the challenges and rewards of opting out of societal norms. In this episode Cait shares examples of how she, and others, have opted out of different aspects of their lives, such as sobriety and unconventional career paths.You Will Learn:Why opting out of societal norms can be challenging, but rewarding.How to deal with opposition from others, especially those close to you.The importance of listening to your own voice and trusting yourself when it comes to opting out.Get Cait's book.Check out Cait's Substack.Follow Cait on Instagram.You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. 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 takes a personal and practical approach to financial preparedness for natural disasters. After going through Hurricane Beryl herself, Allison shares helpful tips and lessons on how to handle your money during these unexpected events without going into debt or making rash spending choices.You Will Learn:Essential supplies you'll want to have on hand.Budget friendly strategies to gradually acquire disaster supplies without breaking the bank.Practical tips on evaluating whether big-ticket items like generators are worth the investment, and borrowing supplies when possible.If you want to feel prepared for unexpected natural disasters or have ever wondered how to manage your money during such crises, then this episode is for you!Read the article: Impulse Spending During Hurricane BerylYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Adam Carroll is the creator of the documentary 'Broke, Busted, & Disgusted,' which aired on CNBC and continues to be screened in high schools and colleges nationwide. In this episode we discuss the importance of making informed decisions about college.You'll also learn:Why there is a disconnect between parents and students regarding who is responsible for paying for collegeHow to have open and honest conversations with children about the cost of collegeWays parents can help their children become financially independent from a young ageAlternatives options to traditional college - and why you should consider themCheck out all of Adam's resources here.You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Are you constantly wondering why your savings account isn't growing? In this episode, Allison dives into the sneaky financial habits that might be sabotaging your efforts to save more money. You'll learn about the common pitfalls that can drain your wallet without you even realizing it.You Will Learn:What These 5 Sabotaging Habits Are: Discover the habits that are keeping you from reaching your savings goals.The Impact on Your Financial Health: Understand how these habits chip away at your finances and what you can do to counteract them.Practical Strategies to Overcome These Habits: Get actionable tips and strategies to change these habits and boost your savings effectively.Plus, you'll walk away with an action plan for each habit, so you can start protecting your savings right away.If you're ready to stop the leak in your financial bucket and start saving towards a brighter future, this episode is for you!Article: How To Do A No Spend ChallengeCheck out Simplifi and Quicken!You Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Millennials and Gen Z face a unique challenge when it comes to building wealth. In this episode, Anne Lester, author of Your Best Financial Life, and former head of Retirement Solutions for JPMorgan, provides insights and advice for anyone under the age of 45.You will learn:A simple framework to manage your moneyHow to start saving in tax-advantaged accountsHow to balance immediate financial needs with saving for retirementHow to start investing, even if you're a beginnerGet Anne's new book, Your Best Financial Life.Check out Anne's WebsiteConnect with Anne on Instagram @savesmartwanneYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!