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!

Do you ever feel like no matter how much you save, you’re still not financially secure? Or perhaps you often feel richer than your bank account actually shows? In this episode, Allison dives deep into a lesser-known but increasingly relevant topic: money dysmorphia. This financial perception disorder can make you view your financial health in a distorted way, leading to stress, poor financial choices, and a constant feeling of insecurity or false security.You Will Learn:What Money Dysmorphia Is: We’ll break down this concept using simple examples and everyday language.Why It Matters: Find out why it’s important to recognize and deal with money dysmorphia for your financial health.How to Overcome It: Get a step-by-step guide on spotting the signs of money dysmorphia and learn practical tips to see your finances more clearly.Plus, you’ll walk away with an action plan for each step of the process, ensuring you can start making positive changes immediately.If you’re ready to see your financial situation clearly and make empowered financial decisions, this episode is a must-listen!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!

Dreaming of your next vacation but feeling overwhelmed with the entire process? Bianca Alba from This Latina Travels has traveled to 6 of the 7 continents in the world and her goal is to encourage and support women who look like her to travel the world too!You Will Learn:How she traveled to Cape Town, South Africa and El Salvador for free.Why a travel fund can help make your dream of traveling a reality.How to travel the world with a 9-5.Tips and hacks for finding travel deals!Listen to Bianca's PodcastCheck out Bianca's WebsiteConnect with Bianca's instagram @thislatinatravelsFor Travel Consultation look into WanderlustYou 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!

Do you ever wonder where all your money goes each month? It could be due to a few habits you might not even realize are keeping you broke. In my latest podcast episode, I'm diving deep into the 4 money habits that could be sabotaging your financial success.Here's what you'll learn:What these 4 habits are and why they matterThe impact they have on your financial healthPractical strategies to break free from these habitsPlus, you’ll walk away with an action plan for each habit so that you can keep more of your money each month.If you’re ready to take control of your finances and make meaningful changes, then this episode is for 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!

How do you know if you have a shopping problem? Paige Pritchard is a certified life coach and host of ‘The Money Love Podcast’ where she is on a mission to help others manage their spending better.In this episode, we discuss how to know if shopping has become a problem in your life. You’ll also learn:How to deal with emotional spending.A simple strategy for combating impulse shopping.Why shopping feels good - and how to not give into overspending.Connect with Paige on her websiteCheck out her Instagram @overcoming_overspendingCheck out her TikTok @overcoming_overspendingYou 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!

Do your financial goals go off track in the summer? You might start the season determined to stick to your budget, but then slowly find yourself spending more and more on various things. By the end of summer, you're left feeling guilty about how you've managed your money over the past few months.If so, then you have experienced what I like to call ‘The Summer Splurge.’This episode is a sneak peek of a lesson that I taught inside my membership, The Inspired Budget Inner Circle. You will learn:4 steps to avoid the summer splurge and stay on track with your money goals.Bonus tips to help you free up more money to spend on summer fun.How to stop comparing your summer to others.Interested in learning more about the Inspired Budget Inner Circle? Start by taking my Free Budget Class to claim 40% off the Inner Circle!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!

Gina Zakaria and her husband became debt free using practical, real-life solutions that didn’t sacrifice her family’s lifestyle. During the process she became known as the Saving Whiz. With over 3 million social media followers, Gina is teaching others how simple strategies in personal finance can enhance your lifestyle while saving money. You Will Learn:How to change your grocery shopping habits and find the best deals.How to find a balance between cooking and budgeting.Why prioritizing what you value is crucial.If you want to find ways to save extra money every day, you’re going to love this episode!Check out Gina's New Book Simple Secrets to Becoming a Saving WhizFollow Gina on InstagramFollow Gina on TikTokYou 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 you make decent money but somehow have nothing left to show for it at the end of the month? If so, you might have fallen victim to lifestyle creep.In this episode you will learn:What lifestyle creep is, and how to identify it in your life3 red flags of lifestyle creepStrategies you can implement today to combat lifestyle creep.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!

A few months ago, I stumbled upon what seemed like a lucrative opportunity on TikTok: women claiming to make over $60,000 a month by working only 10 hours a week. Intrigued, I did some digging and what I found was startling.Joining us is Chloe Daniels, and together, we’ll explore the ins and outs of affiliate marketing, dissecting the claims made by social media influencers and the realities behind them.You Will Learn:Spotting Red Flags: Key indicators that an affiliate marketing opportunity might be a scam.Behind the Scenes: Insight into a major company often endorsed by these influencers.Scam vs. Legit: Tips on distinguishing legitimate opportunities from scams.NBC Interview and ArticleConnect With ChloeYou 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!

Have any of your beliefs or thoughts about money changed over time? Maybe you used to think that only people who struggle with money should write a budget, but now you realize that budgeting isn’t reserved for those living paycheck to paycheck.I’ve found that as you grow and work on your finances, your ideas and thoughts will likely change over time. In this deeply personal episode, I’m sharing 3 ways my beliefs about money have changed over the last decade. My hope is that this podcast episode will help you reflect on your own views of money, give yourself credit for what you’ve accomplished, and remind you that it’s okay to pivot in the process.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!

Haley and Justin inherited $600,000 but ended up blowing through the money and accumulating $220,000 of debt. They share their journey of lifestyle inflation, realizing the extent of their debt, and taking steps to address it. You Will Learn:Why inheriting a large sum of money at a young age can be overwhelming and lead to lifestyle inflation.How to have open communication about money with family members.Why creating a budget and tracking expenses is crucial to gaining control over spending habits.Check out Haley and Justin's Podcast Price of Avocado ToastYou 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!