Artwork for Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income
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Budget Effect: How to Budget, How to Pay off Debt, Save Money, Live on a Budget, Improve your Money Mindset on a single income

Erin Britt | Budget Strategy Coach

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) 

  • 122 episodes
  • Updated July 21

Episodes122

  • Dec 19, 2023 · 13 min

    EP 22: The 8-Minute After-Work Transition You Need

    In this episode we talk about a way to unwind and reset after work and transition into your night with the kids. This 8-minute ritual is GOLD! I help single moms gain positivity and peace in their lives through practical steps. On the podcast we talk about home rhythms, money movement, and mindset work. Link to Whole Life Wellness Reflection Tool: https://www.soulmothercommunity.com/wellness Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Dec 7, 2023 · 21 min

    EP21: What I needed (and found) as an overwhelmed single mom

    I was asked recently how I do it all as a single mom. After I told her that I don't do it all (hahaha), I got to thinking about how I got past that stage of crushing overwhelm and got to this joyful, peaceful place of contentment. I think it's because I needed (and found) these 5 things: 1. I needed love. 2. I needed to find myself. 3. I needed to release...like a lot...of physical and mental stuff. 4. I needed systems in my home. 5. I needed a win. I talk about all these things on today's episode. I hope you enjoy it. :) I help single moms gain positivity and peace in their lives through practical steps. On the podcast we talk about home rhythms, money movement, and mindset work. Link to Whole Life Wellness Reflection Tool: https://www.soulmothercommunity.com/wellness Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Nov 17, 2023 · 9 min

    EP 20: One word that is giving me power through the busy season

    I needed a way to keep myself calm and focused during this busy season I'm in. I needed a way to keep my home from unraveling - because lately there's been a lot of arguing and fighting between my kids and toward me. In this episode, I'll tell you the word I've found to be truly giving me power to stay calm and grounded. I'll tell you how I asked myself the right questions to come up with this word so that you can come up with your own word as well. Thank you for being a part of the Soul Mother Community. Link to Whole Life Wellness Reflection Tool: https://www.thebudgeteffect.com/singlemomreflection Link to Holiday Planning Tool: I no longer have this available, but email if you want it! hello@thebudgeteffect.com Connect with us on instagram @budgeteffectpodcast Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Nov 10, 2023 · 20 min

    EP 19: Plan for the holidays now to avoid the stress later

    In this episode we reduce stress around the holiday season by getting organized, getting a plan in place -while focusing on what's really important to you this holiday season. I help moms who are carrying a lot on their own two shoulders gain positivity and peace in their lives through practical steps. On the podcast we talk about home rhythms, money movement, and mindset work. Link to Holiday Plan: https://www.soulmothercommunity.com/holidayplan Link to Whole Life Wellness Reflection Tool: https://www.soulmothercommunity.com/wellness Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Nov 2, 2023 · 19 min

    EP 18: 3 Reasons You Feel Stuck

    Why do I feel stuck? It can feel extremely frustrating to feel like you're stuck and not able to move forward. In this episode, we break down 3 reasons why you may feel stuck and give you practical steps to move forward today. I help women gain positivity and peace in their lives through practical steps. On the podcast we talk about home rhythms, money movement, and mindset work. Link to Whole Life Wellness Reflection Tool: https://www.soulmothercommunity.com/wellness Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Oct 27, 2023 · 20 min

    EP 17: Is putting yourself first selfish?

    I hope this episode convinces you to put yourself first and clears any selfish feelings you have about that! We need you to be your most vibrant, energetic, beautiful self and the way you accomplish that is to take care of yourself first. I help single moms gain positivity and peace in their lives through practical steps. On the podcast we talk about home rhythms, money movement, and mindset work. Link to Whole Life Wellness Reflection Tool: https://www.soulmothercommunity.com/wellness Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Oct 17, 2023 · 14 min

    EP 16: 3 Strategies for when your house is a mess but you're tired and overwhelmed

    In this episode we talk about a way to kick start you into action without motivation, energy, or thinking. Wow. If you are like me, you need this! I help single moms gain positivity and peace in their lives through practical steps. On the podcast we talk about home rhythms, money movement, and mindset work. Link to Whole Life Wellness Reflection Tool: https://www.soulmothercommunity.com/wellness Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Oct 10, 2023 · 11 min

    EP 15: What if becoming a single mom is an amazing thing that happened to you?

    I help single moms gain positivity and peace in their lives through practical steps. On the podcast we talk about home rhythms, money movement, and mindset work. Link to Whole Life Wellness Reflection Tool: https://www.soulmothercommunity.com/wellness Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Sep 26, 2023 · 16 min

    EP 14: Overcoming Overwhelm: A Mindset Shift for Moving Forward

    In this episode we talk about a practical method to recognize overwhelm and then move yourself out of it so that you don't get stuck in that stifling place! Link to Whole Life Wellness Reflection Tool: https://www.thebudgeteffect.com/singlemomreflection I help single moms gain positivity and peace in their lives through practical steps. On the podcast we talk about home rhythms, money movement, and mindset work. Connect with us on instagram @budgeteffectpodcast Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Sep 21, 2023 · 19 min

    EP 13: You need a self-care practice today! Here's your first step.

    Why self-care? What is true self-care? But how? Self-care is caring for yourself on a deeply personal level. I can help you get started. Erin brings positivity and support with a heart for single moms. She does that through simplicity strategies, money movement, and mindset work. Get your free Whole Life Wellness Reflection: https://www.soulmothercommunity.com/wellness Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Sep 14, 2023 · 18 min

    EP 12: Girl Time - The Science and Practical Steps to Making Time for Friends

    In this episode, we're discussing the significance of nurturing your friendships with your fellow women. Join us as we drop the science behind women's friend connections and why they're vital for your overall well-being. Stay tuned as Erin lets you in on her favorite 'Girl Time' activity. (It's super exciting) Erin supports Single Moms. She does that through simplicity strategies, money movement, and mindset work. Connect with us on instagram @soulmothercommunity Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Sep 7, 2023 · 25 min

    EP 11: Traveling with Kids as a Single Parent (Chicago edition)

    This episode is the story of the kids and I went to Chicago. My tips for traveling with kids as a single parent: Set intentions for vacation. Loosely plan a trip. Stay in your budget. Keep it simple. I also talk about what we did in Chicago (12:15-21:45) Enjoy. Erin supports Single Moms. She does that through simplicity strategies, money movement, and mindset work. Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Aug 29, 2023 · 23 min

    EP 10: How Minimalism Eased Overwhelm in My Single Mom Journey

    Is your home supporting you in your life? Or is your home bringin’ you down?! It’s time to learn or relearn about minimalism and simplicity. It’s time to clear your path so you can move forward. Erin supports Single Moms. She does that through simplicity strategies, money movement, and mindset work. Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Aug 23, 2023 · 15 min

    Ep. 9: The Home Buying Journey: Thoughts and Considerations

    In this episode, Erin delves into her experiences and considerations during her home-buying journey. She shares insights on her search criteria and the key question that guided her: "Can I take care of it?" Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work. Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Aug 15, 2023 · 16 min

    Ep. 8: The true power of budgeting: My debt-free journey

    This episode will motivate you to start or keep going on your own money journey. It's more than just money; truly living intentionally with every dollar can start the momentum in so many other areas of your life! Sorry I got a little excited and I say a few "naughty words" during this episode. sh** and a**. My bad. Get resources to help you with your money journey: www.soulmothercommunity.com/money Erin supports Single Moms. She does that through simplicity strategies, money movement, and mindset work. Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Aug 8, 2023 · 13 min

    EP 7: Back to School part 2 - Mindset for Smooth Transition

    How can we make the transition back to school smooth? In this episode we discuss the step-by-step process for making the transition. Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work. Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Aug 1, 2023 · 13 min

    EP 6: Back to School part 1- Shopping with Intention

    In this episode we chat about shopping with intention for school supplies and clothes. Erin also mentions other expenses to plan for coming up soon. Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work. Connect with us on instagram @soulmothercommunity Try the FREE Money Movement Jumpstart. www.soulmothercommunity.com/jumpstart Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Jul 27, 2023 · 18 min

    EP. 5 It's okay if your budget sucks right now

    In this episode Erin covers: 3 reasons people don’t start budgeting Many reasons people SHOULD start budgeting How to get started Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work. Need help getting started with your budget? Join the BUDGET JUMPSTART CHALLENGE for free. Connect with us on Instagram @budgeteffectpodcast Join the community by going to www.thebudgeteffect.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Questions or Comments? Send a text! Click to Send Fan Mail

  • Jul 18, 2023 · 36 min

    EP 4: How to Travel with Kids as a Single Mom (St. Louis edition)

    Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work. In this episode Erin discusses: Tips for long car trips with kids Budget friendly travel tips Setting your intention before a trip What she did with kids in St. Louis (19:42-31:38) and Yes! You can travel with kids as a single parent! Connect with us on instagram @SoulMotherCommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail

  • Jul 11, 2023 · 17 min

    EP 3: What can happen when you carve out time for yourself

    Erin helps Single Moms. She does that through simplicity strategies, money movement, and mindset work. In this episode Erin focuses on her story with mindset work and what taking time for herself has brought into her life. The goal is for you to see how important and beneficial it can be to take time for yourself, Friend. Connect with us on instagram @soulmothercommunity Join the community by going to www.soulmothercommunity.com Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/infraction/summer-strut Click to Send Fan Mail