36 episodes

The Money Mindset Podcast is hosted by Ashley Patrick from Budgets Made Easy. This is the place you will learn how to budget, save money, and pay off debt fast! It all starts with changing your mindset around personal finance so you can make the changes that you need to in order to improve your life. You will find advice and tips on relationships and money, budgeting, goal planning, creating a vision for your life and all the inspiration you need to get you there.

The Money Mindset Podcast Ashley Patrick

    • Self-Improvement
    • 4.6, 19 Ratings

The Money Mindset Podcast is hosted by Ashley Patrick from Budgets Made Easy. This is the place you will learn how to budget, save money, and pay off debt fast! It all starts with changing your mindset around personal finance so you can make the changes that you need to in order to improve your life. You will find advice and tips on relationships and money, budgeting, goal planning, creating a vision for your life and all the inspiration you need to get you there.

    Episode 36: What Insurance Do You Really Need For Your Family?

    Episode 36: What Insurance Do You Really Need For Your Family?

    Brian Haney, VP of The Haney Company, talks all about life insurance and how each type can benefit your family in many ways you probably don't even realize!


    Resources mentioned:
    Paycheck Budget Spreadsheet www.budgetsmadeeasy.com/spreadsheet
    When: The Scientific Secrets of Perfect Timing by Daniel Pink (aff link) https://amzn.to/2AfnayF


    Full Transcript:


    Welcome to the money mindset podcast, where you will find the inspiration and motivation. You need to manage your money better. So you can stress less and live the life you want. This is Ashley with budget, sweet, easy in the money mindset podcast. Today, we are talking to Brian Haney, who's the vice president of the Haney company, whom he deals
    With all things insurance. He also has a podcast that's called that's my financial guy. So you can go listen to him as well. But before we dive into his interview, that is all about different types of insurance that your family needs, and some benefits and pros and cons to different insurance policies.


    Go get the Paycheck Budget Bpreadsheet, so you can get started on managing your money better so that you can get all these little financial things in order so that you can live with financial peace. And that's what insurance also gives you. It gives you financial peace for your family, so that you know, that, you know, heaven forbid, something happens to you that your family will be taking care of.


    So let's welcome Brian, and jump into all about insurance. Hi Brian, thank you so much for being with us today.


    Thanks for having me. I appreciate it.
    And we're going to dive into insurance and different kinds that you need and maybe some that you don't need. But before we jump into that, can you kind of just kind of give us a little bit of background about yourself?


    I'd love to, so I've been in the financial business for really the majority of my career. She's 16, 17, 18, many, many years, but just, you know, a couple interesting twists and turns to my life. I, I studied journalism in college. So, uh, and I graduated early with a BA in journalism and kind of, you know, had aspirations, I guess, to be the next Tony Kornheiser or be in sports broadcast or who knows what, um, and came back to where I grew up, uh, Washington D C area only to realize that essentially the journalism journalism industry is not maybe as a straight path towards stardom as I would have liked. And so none of those kind of opportunities popped up unless I wanted to live in the closet for the first five or six years of my, my adults. So I quickly became open to other, other possibilities and actually, uh, got an opportunity to, to become a, a licensed banker and a private banker.


    And so that kind of helped me establish, I mean, that was my entree into the financial arena and it also helped me, um, get a really solid foundation that I think, and I sets me apart now many, many years down the road because having understanding about deposits, loans, um, investments like having all of that really understanding all of those various components, I think really adds significant value. So, I mean, I've coached people on setting up checking accounts and, you know, all the ins and outs of every kind of credit product shake a stick at. So, Mmm, that helps now just current day. Uh, I work with my, my father and my younger brother. We, uh, uh, are the three principles of the Haney company, which is a multi multiline, uh, kind of financial services company. And actually the majority of our clients are concentrated in the association industry.


    It's probably 70% of our clients. So it's a pretty interesting industry target. And we do everything from benefits, retirement plans, commercial insurance, property, and casualty. And then, okay, we work with, you know, the executives kind of families. And that's where we kind of do individual things, whether it's insuranc

    • 50 min
    Episode 35: How DeShena Changed Her Mindset & Paid Off $54,000 in 2.5 Years!

    Episode 35: How DeShena Changed Her Mindset & Paid Off $54,000 in 2.5 Years!

    DeShena used to be so stressed about paying bills that she would physically shake when she had to deal with it. But with some mindset shifts she was able to get caught up on her bills and pay off $54,000 in 2.5 years!


    She is now a life coach to help others work on their mindset so they can overcome that stress and live the life they want!


    About DeShena:
    I’m DeShena Woodard, founder of Extravagantly Broke, a blog that empowers women to crush debt and pursue their passions. I’m an everyday working mom who followed the traditional path of going to college, buy a nice house, buy a fancy car, have a kid. Then I found myself living paycheck to paycheck, miserable, and stressed about bills. It took a total mindset shift for me to change my thinking surrounding money and then change my spending behavior. I was then able to pay off $54,000 of debt in a little over 2.5 years and now I’m 100% debt-free.


    Resources mentioned in this episode:
    Budget Spreadsheet: www.budgetsmadeeasy.com/spreadsheet
    Don't Keep Your Day Job by Cathy Heller (aff link) https://amzn.to/2N03xx6


    Full Transcript:


    Welcome to the money mindset podcast, where you will find the inspiration and motivation. You need to manage your money better. So you can stress less and live the life you want. This is Ashley Patrick with budgets made easy and the money mindset podcast today we're talking to DeShena Woodward. Who's the founder of extravagantly broke a blog that empowers women to crush them debt and pursue their passion. She's an everyday working mom who followed the traditional path of going to college, buying a nice house, buying a fancy car and having a kid. Then she found herself living paycheck to paycheck, miserable and stressed about bills. It took a total mindset shift for her to change her thinking surrounding money, and then changing her spending behavior. She was then able to pay off $54,000 of debt and a little over two and a half years. And now she is a 100% debt-free.


    Now, if you are ready to get started on your debt payoff journey, changing your mindset around money, changing your spending behavior. You can get your paycheck, budget spreadsheet. It is set up for you to budget by paycheck, which then goes into a monthly view if you want the monthly view. And then into the yearly view. Plus it has a bonus Christmas budget sheet included as well. You can go to budgetsmadeeasy.com/spreadsheet, and it'll take you to grab your paycheck budget spreadsheet. That is totally customizable for whatever you want to do with your budget by paycheck. It also has a Google sheet as well as Excel. So you can use it on your phone, on the internet, however you want to do it. So go grab your spreadsheet at budgetsmadeeasy.com/spreadsheet. And now is our interview with does Sheena. Hey, welcome to the podcast to DeShena.


    Hi Ashley, thanks for being here. I'm so excited to talk to you about your debt payoff journey. And, you know, I know that you're really big about, um, you know, you changing your mindset around money and everything like that. So before we just like dive right in, can you just kinda tell us a little bit about yourself and what you do now?


    Okay. Sure. Well, my name is Deshena and I'm the founder of the website extravagantly broke, which is basically kind of like a money mindset blog, where I try to empower women to like crush debt and pursue their passions, pursue what they're passionate about, which is why I also became a certified life coach, because I began to understand that money problems don't just start and end with money and it can bleed into so many different areas of your life, you know, and even like your relationships or your job performance, even with, in my case, it was affecting my self confidence. So, uh, and there's usually some sort of underlying issue. And so I kinda like to take a holistic approach to debt freedom. A

    • 28 min
    Episode 34: How Brittany & Kelan Work As A Team To Build Their Online Business AndPay Off $25,000 In Student Loans In 5 Months!

    Episode 34: How Brittany & Kelan Work As A Team To Build Their Online Business AndPay Off $25,000 In Student Loans In 5 Months!

    In this episode, Brittany and Kelan discuss how they work as a team so they could turn their side hustle into a full-time online job for both of them AND pay off $25,000 in student loan debt in 5 months!


    Resources mentioned in this episode:
    Learn more about blogging: https://thesavvycouple.com/category/blogging/
    Bloggin Secrets Course: https://thesavvycouple.teachable.com/p/bloggers-secrets
    Paycheck Budget Spreadsheet https://www.budgetsmadeeasy.com/spreadsheet


    Books:
    Work Less Make More by James Schramko (aff link) https://amzn.to/3cCftj2
    Lifestyle Builders, Bulid Your Business, Quit Your Job, And Live Your Ideal Lifestyle by Tom Sylvester (aff link) https://amzn.to/2UhD7uO


    Full Transcript:
    Welcome to the money mindset podcast, where you will find the inspiration and motivation. You need to manage your money better. So you can stress less and live the life you want. This is Ashley with budgets made easy in the money mindset podcast. Today, we are talking to Brittany and Kelan with The Savvy Couple and they help families learn how to budget their money, organize their lives, and find the freedom to do more of the things they love. They love to chat about paying off debt and helping others make their attacks. So today I'm going to talk to them about how they turn their side hustle into a full time income. For both of them, they're both able to stay at home and work on their online business.


    They also give us some great tips about working as a team, not only in their business, but on their finances as well, and how they were able to transition that teamwork into paying off $25,000 in student loan debt in just five months. And so now they teach other people how to build an online business and how to blog and make money blogging and all the things. So we're going to dive right into all of their wonderful tips and get started.
    But before we do that, don't forget to go get your budget spreadsheet at www.budgetsmadeeasy.com/spreadsheet, so that you can easily plan out your year and figure out how to pay off your debt and save money.
    Here is the savvy couple. Hey, welcome Kelan and, and Brittany. And today we are going to talk about how you guys started your blog in order to pay off debt and just live the life you want. And so I'm so happy that you guys are here with me today.


    Before we jump right, and can you just kind of tell us a little bit about, you know, how you guys started on this journey with, um, you know, today we're going to talk about starting your blog and how that helped you guys pay off a bunch of debt. So can you kind of just give us a quick background of how you guys kind of started your blog and how, you know, now you guys are making a full time income from it?
    Sure. We're both high school sweethearts. We grew up probably within a quarter mile of each other. I went to college together and had our life all planned out. Brittany was going to be the teacher and I was going to be the law enforcement. It's an officer and we got done with school and we started, we had like $40,000 with the student loan debt and we started to get into our careers and we both realized quickly, especially for me, that law enforcement was not the right career path for me, just the hours, the stress, um, not being able to see Brittany all the time, working opposite shifts, just not the lifestyle that I wanted. So we kind of got to a point where sat down at the, at the dinner table and kind of talked out things like, okay, this is what we wanted our life to look like, but it's really not what we want it to be like.


    So we kind of laid out a plan and, um, figured out that we needed to start a business together. Um, I definitely jumped around to probably six different jobs, after college and realized that I need to work for myself and kind of have my own freedom in life. So we we're at a crossroad. I was going to start a home i

    • 20 min
    Episode 33: How to Turn This Financial Crisis into a Financial Win

    Episode 33: How to Turn This Financial Crisis into a Financial Win

    Eric Brotman, CFP, gives his strategies for turning this financial crisis and recession into a financial win for your family.


    Resources mentioned in this episode:
    Free Budget Spreadsheet: https://leads.budgetsmadeeasy.com/budget-sheet


    Full transcript:


    Welcome to the money mindset podcast, where you will find the inspiration and motivation. You need to manage your money better. So you can stress less and live the life you want. This is Ashley with budgets made easy and the money mindset podcast. Today, we are talking to Eric Brotman, who is a CFP and the CEO of BFG financial advisors.


    And he is the host of don't retire, graduate podcasts. So don't retire, graduate.com, check out his podcast is well. And he's going to give us some great advice for families on how to take advantage of certain things during this financial crisis. You know, if you can, if you're still working, he's got some really great tips on lowering your tax burden and some things that you can do to take advantage of certain things happening right now in the financial world. So you can take this crisis and turn it into a financial win. And so he's got some really great ideas on how to do that. Now, before we jump into his episode, be sure to go and check out my free spreadsheet. I put together a spreadsheet after years of people asking me to, and you can get a free one month sheet of that, or you can get the whole year, you get a special offer for the whole year.
    Once you sign up for the free sheet, go to www.leads.budgetsmadeeasy.com/budget-sheet. So go get your free paycheck budget spreadsheet. So this is the same spreadsheet that I use when we were paying off debt. It's broken down by Paychex. Plus you got a monthly view. Now, keep in mind the free sheet isn't as detailed as the yearly sheet. So if you want the yearly sheet, look for that. Once you sign up for the free sheet as well. Now, here is my interview with Eric. Hi Eric. Thank you so much for being with us today. Hi, Ashley. Thanks for having me. I am. So I'm excited to talk to you today. Um, it's my understanding that you've got some good advice for families in different stages, what to do with their finances right now during this whole crisis. And, um, I really want to talk to you about that today, but can you just kind of introduce yourself and tell us a little bit about yourself?


    Absolutely. I'm a certified financial planner practitioner started a company, in 2003 in suburban, Maryland actually started my practice in 1994. So I'm dating myself. I realized at this moment we have 20 employees, each of us working from 20 different homes, which is a new experience, but, uh, eight financial advisors, 20 employees, we manage about $450 million for families in 31 and a few foreign countries. And we do financial planning and wealth management for multigenerational families. So in my spare time, I'm a husband and a father and a podcaster and author and a volunteer.


    Yes, as I was just hearing about your book coming out soon. So I'm excited to hear about that as well. So, um, you know, there's a lot of crazy stuff going on right now and I know people are scared and, you know, we don't know what the economy and everything is going to look like on the other side of this thing. Um, so, you know, what kind of advice would you give to families right now? Like, is there anything that they should be doing differently?


    Well, I think in each case, it depends upon the family situation somewhat. Um, right now there are a lot of families who are experiencing sudden job loss and for those families, um, the things to do differently are, are really based on almost triaged. You just have to get through this period of time, however long it lasts. And that's easier said than done sometimes. So for, for families, who've had sudden job loss. Uh, the first thing to do is to sort of take, uh, take inventory

    • 38 min
    Episode 32: How Healthcare Workers Can Get Through This Crisis and What You Can Do To Support Them

    Episode 32: How Healthcare Workers Can Get Through This Crisis and What You Can Do To Support Them

    Emma, RN from Nurse Fern talks about the financial effects this crisis is having on healthcare workers and how you can support them through this storm.


    Emma Geiser is a registered nurse, creator of www.nursefern.com, freelance writer, and financial coach. She recently celebrated ten years in the field of nursing. She currently works remotely and lives with her dog and husband in Nevada.


    instagram -- @nurse.fern
    website-- www.nursefern.com


    Resources mentioned:
    Free Debt Snowball Bundle https://www.budgetsmadeeasy.com/debt-bundle/
    Books by Philippa Gregory (aff link) https://amzn.to/3fuUPnV
    Special Guest: Emma Geiser.

    • 19 min
    Episode 31: Simple Tips For Coping Mentally During Isolation In Order To Protect Yourself Financially

    Episode 31: Simple Tips For Coping Mentally During Isolation In Order To Protect Yourself Financially

    Simple tips from a Certified Financial Therapist for dealing with the mental and emotional aspect of isolation and crisis so that it doesn't effect your finances. It's very easy to make bad financial decisions while we are stressed so if we can identify when that happens, we can make better decisions.


    Derek Hagen is the founder of Money Health Solutions, a financial therapy and consulting firm helping clients develop a healthy relationship with money and live with money mindfulness.


    Newsletter Signup: www.MoneyHealthSolutions.com/newsletter
    Money Health Solutions: www.MoneyHealthSolutions.com
    Money Health Blog: www.MoneyHealthSolutions.com/money-health-blog
    Instagram: www.Instagram.com/MoneyPsychology
    YouTube: www.YouTube.com/channel/UCzxa3kSIepfQAeZz9cbA-tA
    Facebook: www.Facebook.com/MoneyHealthSolutionsLLC


    Resources mentioned:
    FREE 5 Day Cutting Expenses Challenge
    Atomic Habits by James Clear (affiliate link) https://amzn.to/2RK200Z
    Tiny Habits by BJ Fogg (affiliate link) https://amzn.to/3a9RMxm
    Special Guest: Derek Hagan.

    • 34 min

Customer Reviews

4.6 out of 5
19 Ratings

19 Ratings

Mistles22 ,

Great money podcast!

Ashley truly wants to help her listeners feel more confident and informed about their finances.

@DrTracy_btsw ,

Thankful!

Grateful for the tips & experiences Ashley shares on her podcast, her website, and in the paid materials she offers. I came across her recently and relatives mentioned at Thanksgiving how they are following Dave Ramsey’s method may too. Excited to see what’s debt my husband and I can work to make disappear in the coming weeks, months, years as a result of all the great resources - including all that Ashley provides.

heatherc001 ,

Motivating

Listening to this podcast keeps me motivated and gets me in that mind set in paying off my debt. Love listening and to gather tips in accomplishing my debt free journey!!!

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