Budget Effect: How to Save Money, Pay off Debt, Improve your Mindset, and Love your Life as a Single Mom

It's time to break free from financial stress with simple, effective strategies designed for moms craving a method they can actually stick to! In this podcast, Budget Strategy Coach, Erin Britt, shares a 5-step monthly budgeting method that reduces overwhelm and helps you pay off debt, build wealth, and live abundantly. Whether you're struggling with impulse spending, relying on credit cards, or feeling too busy to budget, you'll find practical tips and mindset shifts to take control of your money.

Join a community of moms ready to align their spending with their values, plan for the future, and break free from the stress of paycheck-to-paycheck living. It’s time to budget smarter, enjoy life more, and move toward financial freedom—without sacrificing the things you love.


This is a debt podcast!

Topics we cover:
Foundational Budgeting Skills:


  • How to create and stick to a budget, even with limited income.

  • Simple, actionable steps to build a zero-balance budget each month.

Overcoming Impulse Spending & Credit Card Reliance:


  • Strategies to control impulse buying and overspending.

  • Breaking the cycle of using credit cards as income and paying off debt sustainably.

Budgeting for Busy Moms:

  • Budgeting tips for real life - especially budgeting tips for busy moms

Intentional Living & Aligning Spending with Values:


  • How to figure out your core values and create a value-based budget

  • How to spend intentionally without sacrificing things you love.

  • Aligning household routines and systems with financial goals.

Financial Preparedness & Saving for the Future:


  • Building emergency funds and saving for bigger expenses with confidence.

  • How to manage everyday expenses while planning for future goals like retirement, vacations or a home.

Self-Care & Financial Wellness:


  • Prioritizing self-care to avoid burnout.

  • Developing healthy habits for long-term financial success and balance.

Mindset Shifts for Financial Growth:


  • Abundance mindset

  • Embracing financial mistakes as opportunities for growth and grace.

Tracking Spending & Staying Accountable:


  • Practical tools to track where your money goes and stay in control.

  • The power of community and support systems


A note from Erin:
As a single mom and sole provider with no additional support, I paid off thousands of dollars in debt on a teacher’s salary. I know firsthand that it’s possible to take control of your finances, no matter your income or circumstances. My straightforward, foundational approach to budgeting simplifies the process, giving you the tools and confidence to manage your money effectively and build a secure financial future. If I could do it on my own, you can too—and I’m here to show you how.

*How can I pay off my debt?
*Is there an easy budget method?
*How can I simplify my household expenses?
*How can I pay down credit card debt?
*How can I stop relying on credit cards?

*How to start budgeting for beginners?
*How to budget on one income?

*How can I live within a budget?

*How do I write a budget?
*How do I spend less?

*How can I move forward financially?
*What if I don't have enough money to invest?
*How can I build wealth?
*How can my budget reflect my core values?

*How can I LIVE ABUNDANTLY on a budget? 

*Is there someone out there who understands being a single mom that can help me with my finances?! :) I got you, girl.

Erin Britt is your host and can be found on Instagram (@budgeteffectpodcast) 

Recent Episodes
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Recent Reviews
  • Hazel_831
    I love this podcast🫶🏽
    She doesn’t just explain what to do to budget but she tells you how to feel how to think towards your money and that’s really what I need I feel like budgeting is such a mental thing and is what I really need to work with. I listen to budget podcasts all day and Erin just explains it so well
  • Jltruman
    Such Great Tips
    Learning to budget successfully is hard especially when you have kids. Erin has some incredible tips to help budget successfully without feeling overwhelmed.
  • Sarah_Cox
    So helpful
    I love the episodes so far. I definitely need to work on improving my money mindset and Erin offers such helpful and easy to understand tips and information.
  • Jitsie Listens
    Love a Listicle
    I’ve only listened to one episode so far, and am ready to open up to more. The one I was introduced to was a “6 Tips” list episode. I love bite sized tips that really make things easier to absorb and take action on.
  • Kp nickname taken
    Actionable and clear
    Erin explains concepts in a simple straightforward way, and I love her help on budgeting. This is must-listen if you are trying to get a handle on your money.
  • One income
    Motivational budgeting for single parents
    I am so glad I found this podcast! There are tons of podcasts out there on the topic of personal finance however, 99% of them contain content about dual income households. This podcast provides the guidance and support so necessary for any single parent. It is nearly impossible to support a family on one income, and this podcast shares the reality of this while, providing methods and mindset towards navigating life with a limited income and large bills and responsibilities. there are tons of tips on how to balance this.
  • Lgobp
    Variety
    Was going to skip the how to say “no” episode because I’ve been budgeting and being frugal for years. So glad I didn’t. So relatable and actionable. Keep up the amazing work!
  • DVon777
    Great tips and ideas to stay on track
    Thank you for your gracious reminders of WHY we stay or try to stay on budget. Your gentle nudges help me get back on track and stay on track especially through these holidays.
  • BoldMama101
    Love Listening to Erin & She Gives SO Much Value!
    I highly recommend this podcast as a mom who wants to feel better about budgeting, finances, and paying off debt! Erin is SO good at giving practical tips and advice that really helps you move forward with clarity and confidence around a subject that can be really tough. She has an amazing presence that really makes you seen and heard. Make sure to give it a listen!!! :)
  • Hasfdsaf
    Love this podcast!
    As a single mom with a ton of debt she made me feel like I can do this and at the same time removes any shame. She also gives great ideas and tangible concrete examples that we can implement.
  • smshelle
    NEW PODCAST ALERT
    A new must listen to podcast! Feeling stuck? This podcast will give you tips, motivation, and concrete action steps for you to live a life aligned to your why!
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