Inspired Budget

Do you avoid conversations about money with family, friends, loved ones... maybe even yourself?

Much of our actions with money today stem from our past beliefs and experiences. Learning to voice those beliefs and experiences about money is the first step in creating real change in your financial life.

My guests today are Julien and Kiersten Saunders, the co-founders of Rich and Regular, Hosts & Producers of Money on the Table, and authors of the forthcoming book, Cashing Out. After paying off over $200,000 in debt while making the transition from corporate employee to full-time entrepreneur, they have made it their mission to inspire better conversations about money. The conversation that we ended up having was nothing close to what I thought it was going to be, and I think that it's really going to open your eyes and your heart to looking at your past with money differently.

Enjoying the show? Make sure to subscribe and leave a review!

Follow Allison on Instagram: @inspiredbudget

Resources:

• FREE Debt-Free Roadmap
• Get the full show notes here on the blog

Links Mentioned:

• richandregular.com
• Season 2 of Julien & Kiersten's video series, Money on the Table
• Pre-order their book, Cashing Out, today!
• Follow Julien & Kiersten on Instagram: @richandregular

You Might Like:

• Get the BRAND NEW FREE Goodbye Debt Tracker!
• Grab my FREE Budgeting Cheat Sheet.
• Get the Budget My Paycheck Spreadsheet.
• Follow Allison on Instagram! @inspiredbudget
• Check out Inspired Budget's blog.
• Take my FREE class on How to Budget to Build Wealth!

If you have student loans or if you're a parent whose child will be taking out student loans in the near future, you're going to want to listen to today's episode!
Robert Farrington, founder of The College Investor, is a student loan debt expert who is sharing his knowledge with my listeneres today about repayment options, the best repayment plan out there, as well as the types of student loan forgiveness programs that exist today.
We're also gonna be talking about the number one thing that parents need to take into consideration when it comes to their own children taking out student loans.
Links Mentioned:
Studentaid.gov
Follow Robert:
The College Investor | Instagram | Facebook | YouTube | Twitter

You Might Like:

• Get the BRAND NEW FREE Goodbye Debt Tracker!
• Grab my FREE Budgeting Cheat Sheet.
• Get the Budget My Paycheck Spreadsheet.
• Follow Allison on Instagram! @inspiredbudget
• Check out Inspired Budget's blog.
• Take my FREE class on How to Budget to Build Wealth!

Ever felt overwhelmed by fear of debt, to the point where it's clouded your perception of yourself? You're not alone. My own dread of debt kept me credit card free throughout my 20s and shaped an unsettling narrative of personal worth tied to financial debt.
In this engaging episode, we'll redefine debt, not as 'good' or 'bad', but as neutral that, when understood and handled strategically, can be a powerful tool irrespective of your age or stage in life.
Retrospective insights from my 20s form a significant part of the discussion; from the pressure of maintaining a 'fashionable' image to learning the art of declining unnecessary expenses.
Remember wanting that swanky apartment but couldn't afford it? I had the same desire, but chose a budget-friendly apartment instead – a decision that has paid off.
Whether you're just starting out on your financial journey, or seeking to improve your financial knowledge later in life, this episode's candid anecdotes and valuable advice are sure to equip you with a fresh perspective on debt and the importance of saving for retirement.

You Might Like:

• Get the BRAND NEW FREE Goodbye Debt Tracker!
• Grab my FREE Budgeting Cheat Sheet.
• Get the Budget My Paycheck Spreadsheet.
• Follow Allison on Instagram! @inspiredbudget
• Check out Inspired Budget's blog.
• Take my FREE class on How to Budget to Build Wealth!

Feel the weight of financial stress lifting off your shoulders as I, Allison, guide you through my personal financial renaissance. It's a journey from sleepless nights peppered with anxiety to a serene state of mind, all thanks to the art of saving. I unravel the rich tapestry of strategies that have seamlessly integrated savings into my life, even as I navigated the murky waters of debt.
Discover the magic of sinking funds, my ace in the hole for dealing with those unexpected, yet inevitable, expenses. We'll share stories and tips on how you can begin to weave this powerful financial tool into your own life, transforming potential disasters into mere inconveniences with the help of a well-planned budget.
Our conversation goes beyond the basics, delving into the trinity of savings. Once you've got your emergency fund buttoned up, it's time to play offense with your finances.
We'll discuss how to strike a balance between stashing cash for predictable costs with sinking funds, saving for the sunny days with aspirational funds for those life-enhancing experiences, and setting aside a few pennies for the proverbial rainy day. Learn how to enjoy guilt-free spending on the things that matter most to you and make saving second nature with the strategic deployment of automated transfers.
Wrapping up, we underscore the importance of prioritizing savings by making it a habitual action. Whether it's earmarking funds for that festive holiday season, covering annual dues, or planning for a well-deserved getaway, I break down how automating your savings can safeguard your budget from the temptation of impulse buying. We also touch on the allure of high-yield savings accounts and how they can elevate your savings game.

You Might Like:

• Get the BRAND NEW FREE Goodbye Debt Tracker!
• Grab my FREE Budgeting Cheat Sheet.
• Get the Budget My Paycheck Spreadsheet.
• 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.
• Get the Budget My Paycheck Spreadsheet.
• Follow Allison on Instagram! @inspiredbudget
• Check out Inspired Budget's blog.
• Take my FREE class on How to Budget to Build Wealth!