Her Money Mindset

35. Creating a Bare Bones Budget for When Things Are Tight

When money feels tight, it’s easy to spiral into stress and overwhelm. That’s where a bare bones budget comes in. This isn’t about restriction—it’s about clarity and control. In this episode of the Her Money Mindset Podcast, I’m walking you through exactly how to create a budget that covers only the essentials, so you can keep your life running even in tough seasons.
You’ll learn:
What a bare bones budget is (and why it’s different from your regular budget)
The exact steps to build one when income dips or expenses rise
How to decide what’s essential vs. what can wait
Mindset shifts to remind yourself this is temporary, not forever
By the end, you’ll have the confidence to know your baseline and the peace of mind that you can make it work, even when things are tight.
✨ Resources + Links:
Grab my Budgeting Basics Bundle to build your own budget step-by-step. Remember to use code HMMPODCAST for 15% off! 
Book your 1:1 Strategy Call to get a customized plan for your money. Remember to use code HMMPODCAST for 15% off! 
Book a free consultation call for Her Money Method private coaching and get a personalized strategy for your financial goals.
Start automating your savings + investing with Acorns and earn more with a high-yield savings account from SoFi.
If this episode helped you, the best way to support the show is by leaving a review. This helps more women like you discover these tools and start building financial freedom.💕

34. It’s Not Too Late to Fix Your Finances

Have you ever felt like you’re “too old” or too far behind to finally get your finances in order? Maybe you’ve made mistakes with money in the past, or you feel like you’ve missed your window to save, invest, or pay off debt. Let me remind you — it is absolutely not too late to turn things around.
In this episode of Her Money Mindset, I’m breaking down why so many women feel like they’ve fallen behind, how to reframe your money mindset, and the practical steps you can take today to get on the right track. Whether you’re starting at 25, 35, 45, or beyond — your financial journey is still yours to create.
✨ You’ll learn how to:
Release the guilt of past money mistakes
Build a today-forward budget that works for you
Start small with saving and debt payoff goals
Take action no matter what stage of life you’re in
💡 Ready for more?
Grab my free 7-Day Money Reset to start making quick money wins → get your freebie today!
Explore the Budgeting Basics Bundle for step-by-step tools to budget smarter and pay down debt → ready to use budgeting tools
Book a free consultation for 1:1 Private Coaching if you want personalized, long-term support → Let’s chat 💕
Not ready for full coaching yet? Book a one-time 1:1 Strategy Call to create a clear plan for your next financial move → Let’s come up with a money plan today
Start investing with just your spare change using Acorns → get $5 just for using my link to join!
Open a high-yield savings account with SoFi and earn way more interest than a regular bank → get up to $325 just for using my link!
💖 If this episode encouraged you, please take a minute to leave a review on Apple Podcasts or Spotify. Your reviews help more women discover this show and start their own money transformation.
Remember, it’s never too late to change your money story — your best financial days can absolutely start today.

33. Meal Planning on a Budget to Save Money and Stress

If you’ve ever stood in front of your fridge at 6pm, wondering what to make, feeling stressed and tempted to grab takeout—you’re not alone. The truth is, not having a meal plan drains both your wallet and your energy. But the good news? Meal planning doesn’t have to be complicated or time-consuming.
In this episode of Her Money Mindset, I’m sharing how to meal plan on a budget so you can save money, cut stress, and make weeknights easier. You’ll learn why meal planning is one of the biggest money-savers you’re probably overlooking, how to start without overwhelm, and simple grocery tips that actually stick.
✨ Grab my free 7 Day Money Reset to get more money back in your pocket in just one week. 
✨ Open a SoFi high-yield savings account and make your money work harder (and get a $25 bonus just for using my link) 
✨ Want to go deeper? Snag the Budgeting Basics Bundle to master your money.
✨ Book a 1:1 Strategy Call with me to create a custom money plan.
✨ Or, schedule your free consultation call for Her Money Method coaching today.
💖 If you found this episode helpful, please take 30 seconds to leave a rating and review—it helps more women find these tips and build confidence with their money.

32. Budgeting Isn’t Restriction, It’s Self-Respect

Most people think budgeting means cutting out everything fun, but that couldn’t be further from the truth. In this episode of Her Money Mindset, we’re flipping that belief on its head.
I’ll show you why budgeting isn’t about restriction at all. It’s about respecting yourself, your goals, and your future. You’ll learn how to reframe “I can’t spend that” into “I’m choosing not to” without feeling deprived, plus practical ways to make your budget feel freeing instead of frustrating.
Whether you’re tired of feeling guilty about money, ready to start saving without giving up everything you love, or just want a healthier relationship with your finances, this episode will help you shift your perspective and take control.
✨Links & Resources Mentioned in This Episode:
Budgeting Basics Bundle – Get 15% off with code HMMPODCAST
Mortgage Payoff Calculator – Pay off your home faster
1 Time 1:1 Strategy Call- figure out your budget and get a plan to leave  you feeling confident (be sure to use code HMMPODCAST for 15% off!)
Private Coaching Free Consultation Call – schedule a free, no judgement call with me to see if Her Money Method, my private money coaching program is right for you! Get yourself scheduled today, there’s only 5 spots left for August! 💕
SoFi High-Yield Savings – Earn more on your savings
DM me your money goal for the week over on Instagram: @hermoneymindsets_

31. What to Do When Your Budget Isn’t Working Anymore

Your budget used to work perfectly… until it didn’t. Now you’re overspending, feeling frustrated, and wondering if budgeting even works for you anymore.
In this episode, I’m sharing why budgets stop working and the 5 steps to fix yours without starting over. From adjusting your numbers to simplifying categories and building in more flexibility, you’ll walk away with a realistic plan you can actually stick to.
✨Links & Resources:
Budgeting Basics Bundle – Stop living paycheck to paycheck with my simple budgeting system.
Mortgage Payoff Calculator – See how extra payments can save you thousands.
Private Coaching Call or Free Consultation Call – Create a budget that works for your real life.
SoFi High-Yield Savings – Earn 3.8% APY (vs. 0.2–0.4% average) + $25 bonus.
One Month Expense Audit - Free resource to see where your money has been spent over 30 days 💕Use code HMMPODCAST for 15% off any budgeting tool or strategy call.💕
💬 DM me your biggest budget struggle on Instagram @hermoneymindsets_

30. How to Stay Hopeful Even When Your Debt Feels Heavy

Debt can feel crushing — emotionally, mentally, and financially. But just because it’s heavy doesn’t mean you’re stuck. In today’s episode, I’m walking you through how to stay hopeful, even when your debt feels overwhelming. We’re talking about mindset shifts, small wins that build momentum, and practical ways to find peace in the middle of the storm.
If you’ve ever thought “I’m never going to get out of this,” this episode is for you. You’re not alone, and you’re not powerless.
👇 Ready to take action?
✨ Grab the Budgeting Basics Bundle to get my top tools for tracking your spending, paying down debt, and saving money
🏠 Use the Mortgage Payoff Calculator to see how fast you can actually pay off your home
💻 Want personal support? Book a free consultation call or strategy session — let’s build your custom money plan
💰 Open a SoFi High Yield Savings Account and get a $25 bonus when you sign up using my link
💸 Use code HMMPODCAST for 15% off any budgeting tool or strategy call linked above!
And don’t forget — DM me your money goal for the week over on Instagram @hermoneymindsets_ so I can cheer you on. Let’s do this together 💛

29. How to Stop Living Paycheck to Paycheck

If it feels like your money disappears the second you get paid, this episode is for you.
We’re breaking down the real reason you’re stuck in the paycheck-to-paycheck cycle and exactly how to get out of it. No shame, no complicated spreadsheets, just real steps you can start today to finally feel in control of your finances.
I’ll walk you through:
Why budgeting hasn’t worked for you (yet)
How to build a simple weekly plan that actually fits your life
The first savings goal that can help you breathe again
What to do when you’re tired of surviving and want more than just “getting by”
You deserve overflow, not just barely making it.
👇 Grab what you need to get started:
🎯 Budgeting Basics Bundle
📊One Month Expense Audit (freebie)
💸 Get $25 with SoFi
📈 Start investing with Acorns & get $5
If this helped you, send it to a friend — and leave a review if you haven’t yet 💗

28. You Deserve Wealth Even If No One Taught You How to Build It

Didn’t grow up learning about money? You’re not alone, and you’re not behind.
In this episode, we’re talking about why wealth isn’t just for the lucky few. You’ll learn how to start building it from where you are, even if no one ever showed you how.
We’ll cover:
Why it’s not your fault (but still your responsibility)
Steps to build wealth starting today
The mindset shift that changes everything
✨ Mentioned:
→ Budgeting Basics Bundle
→ Her Money Club 
→ SoFi ($25 bonus!)
→ Acorns ($5 bonus!)
→ Private Coaching + 1:1 Strategy Calls
Be sure to use code HMMPODCAST when signing up for Her Money Club for 50% off your first two months! And, don’t forget to use code THANKYOU25 for the Budgeting Basics Bundle for 25% off! 🫶If this episode spoke to you, please leave a 5-star review — it helps more women find this message and start building wealth too. 💗

27. What to Do When You Get Paid

Ever feel like your paycheck disappears the moment it hits your account? In this episode, we’re breaking down exactly what to do every time you get paid, so you can stop scrambling, start feeling in control, and finally make real progress with your money.
I’ll walk you through simple, step-by-step actions to take the moment money lands in your account from essentials and debt to savings, fun money, and future goals. Whether you’re new to budgeting or just want a fresh routine, this episode will help you create a money system you can actually stick to.
LINKS & RESOURCES:
🧾 Grab the Budgeting Basics Bundle — everything you need to organize your money in one place
💬 Join Her Money Club — support, tools, and accountability for your money goals
💸 Open a high-yield savings account with SoFi — earn more on your savings + get $25 free when you sign up using my link
🌱 Start investing with Acorns — it rounds up your spare change + gives you $5 free with my link! 
📞 Book a 1:1 coaching call or apply for private coaching — let’s build a money plan that actually works for your life
💕Don’t forget to leave a review if you enjoyed this episode! 

26. You’re Not Lazy. You’re Overwhelmed and Burnt Out.

If you’ve been calling yourself lazy for avoiding your budget, struggling to stay on track, or feeling stuck with money — this episode is your reminder: you’re not lazy. You’re burnt out.
We’ll talk about how overwhelm shows up in your finances, how to reset your money mindset, and what to do when you feel too tired to “get it together.”
🔗 Links & Resources:
💸 SoFi – Open a high-yield savings account + get a $25 bonus here!
🧾 Budgeting Basics Bundle – Ditch the overwhelm and get back in control
✨ Her Money Club – Use code HMMPODCAST for 50% off your first two months! 
📞 1:1 Clarity Call – Talk through your budget or burnout
💼 12-Week Coaching – Apply now for private coaching support
 
 
Don’t forget to leave a review to enter this month’s giveaway! 🥳